First Hawaiian Bank

Current Loan Rates

Click here to learn about our Priority Banking PlanSM Checking account to qualify for rate and fee discounts

Current Rates for Hawaii

Type of Loan Promotional Rate Current Adjustable Rate
PayAnyDay Personal Loan* 5.99% APR fixed for 4 years n/a
Home Equity FirstLine Plus* 0.49% APR fixed for 1 year or
1.49% APR fixed for 2 years or
2.49% APR fixed for 3 years
4.50% APR current variable rate as of 3/1/14 for Priority Banking Level 3 customers
Personal FirstLine Lock* 6.99% Intro APR for 1 year 7.86% APR

Rates updated as of 03/17/2014


Current Rates for Guam

Type of Loan Promotional Rate Current Adjustable Rate
PayAnyDay Personal Loan** 5.99% APR fixed for 4 years n/a
Home Equity FirstLine Plus** 0.49% APR fixed for 1 year or
1.49% APR fixed for 2 years or
2.49% APR fixed for 3 years
4.50% APR current variable rate as of 3/1/14 for Priority Banking Level 3 customers
Personal FirstLine** 6.99% Intro APR for 1 year 7.86% APR

Rates updated as of 03/17/2014


Current Rates for CNMI

Type of Loan Promotional Rate Current Adjustable Rate
PayAnyDay Personal Loan+ 5.99% APR fixed for 4 years n/a
Personal FirstLine+ 6.99% Intro APR for 1 year 7.86% APR

Rates updated as of 03/17/2014

* Important Information Regarding HI Rates

PayAnyDay Loan:
The Annual Percentage Rate (APR) of 5.99% will apply to new, approved personal loan applications received 03/01/14 to 04/30/14 with a principal amount of $10,050.00 and a term of 48 months. Loans with other principal amounts ($2,500 minimum loan amount) and terms are available, but the promotional APR may differ. A one-time documentation preparation fee of $50.00 applies to all loans under this promotion and will be added to the principal balance. For a 48-month loan of $10,050 at 5.99% APR, you will have 48 monthly payments of $234.77, which includes principal and interest. Offer subject to credit approval. This offer does not apply to business or real estate loans. Also, the proceeds of the loan cannot be used to pay off any existing First Hawaiian Bank credit cards, personal loans or lines-of-credit.

Home Equity FirstLine Plus:
The promotional 0.49%, 1.49%, and 2.49% Annual Percentage Rates (APR) for the variable rate portion of credit line are fixed for 12, 24 and 36 months, respectively, from account opening. After the applicable promotional rate period, the APR for the variable rate portion of credit line may vary and will be adjusted monthly to 1.50 percentage points over an index, which is The Wall Street Journal Prime Rate, except that the APR will never be lower than 4.50% and will never be higher than 19.00% for Hawaii and 18% for Guam. The current fully indexed variable APR is 4.82% as of 3/4/14. No discounts apply to the promotional fixed rates. The APR after the promotional period will be 0.25 or 0.35 point lower if you have a personal Priority BankingSM Checking Account Level 2 or Level 3, respectively. Both the promotional APR and the APR after the promotional rate period will be 0.50 percentage point higher for investors and for lines secured by a second home. You must carry insurance on the property that secures the credit line. For Hawaii, most closing costs waived for owner-occupants, investors, and lines secured by a second home, unless an ALTA policy, appraisal, trust review, or preparation of other legal documents is required. These closing costs are estimated at $982 (ALTA policy fee), $550-$750 (appraisal fee), $156-$312 (trust review fee), and $104-$208 (legal document preparation fee). For Guam, receive $100 off closing costs. Fees may vary from the estimates quoted, depending on your specific credit line. There is an annual fee of $100, which is non-refundable and will be charged to your credit line on each anniversary date of your credit line account beginning with the second anniversary. The annual fee is waived for the first year and will be waived thereafter if you have a personal Priority Banking Checking Account Level 3. Offer subject to credit approval and good for new approved Equity FirstLineSM Plus applications received from 3/10/14 to 4/30/14. Credit line account must be opened within 60 days of application date. Refinancing of existing First Hawaiian Bank loans, lines of credit or credit cards, and Equity FirstLine Plus locks, personal lines of credit, and lines to purchase and install a new photovoltaic system, do not qualify for the rate offer. Only credit lines secured by Hawaii and Guam properties are eligible. Cannot be combined with other special rates or promotions.

Personal FirstLine Lock:
The introductory 6.99% Annual Percentage Rate (APR) is fixed for one year from account opening. After the introductory period, the APR may vary and will be adjusted monthly to 4.50 percentage points over an index, which is the Wall Street Journal Prime Rate, except that the APR will never be lower than 6.00% and will never be higher than 24.00%. The current variable APR is 7.86% as of 3/1/14. The APR will be 0.35 percentage point lower if you have a personal Priority BankingSM Checking Account Level 3. There is a one time documentation preparation fee of $50.00 and an annual fee of $35.00. Annual fee of $35.00 will be waived as long as you have a personal Priority BankingSM Checking Account Level 3. Offer subject to credit approval and good for new approved Personal FirstLine Lock applications received from 3/1/14 to 3/31/14 and cannot be combined with other promotions or special rates. This offer not available in Guam and CNMI and not for Business or Real Estate Loans. Refinances of existing First Hawaiian Bank personal loans or lines-of-credit do not qualify for the offer.

** Important Information Regarding GU Rates

PayAnyDay Loan:
The Annual Percentage Rate (APR) of 5.99% will apply to new approved personal loan applications received 03/01/14 to 04/30/14 with a principal amount of $10,050.00 and a term of 48 months. Loans with other principal amounts ($2,500 minimum loan amount) and terms are available, but the promotional APR may differ. For Guam only, loan terms greater than 36 months require a minimum loan amount of $9,301.00. A one-time documentation preparation fee of $50.00 applies to all loans under this promotion and will be added to the principal balance. For a 48-month loan of $10,050 at 5.99% APR, you will have 48 monthly payments of $234.77, which includes principal and interest. Offer subject to credit approval. This offer does not apply to business or real estate loans. Also, the proceeds of the loan cannot be used to pay off any existing First Hawaiian Bank credit cards, personal loans or lines-of-credit.

Home Equity FirstLine Plus:
The promotional 0.49%, 1.49%, and 2.49% Annual Percentage Rates (APR) for the variable rate portion of credit line are fixed for 12, 24 and 36 months, respectively, from account opening. After the applicable promotional rate period, the APR for the variable rate portion of credit line may vary and will be adjusted monthly to 1.50 percentage points over an index, which is The Wall Street Journal Prime Rate, except that the APR will never be lower than 4.50% and will never be higher than 18%. The current fully indexed variable APR is 4.82% as of 3/4/2014. No discounts apply to the promotional fixed rates. The APR after the promotional period will be 0.25 or 0.35 point lower if you have a personal Priority BankingSM Checking Account Level 2 or Level 3, respectively. Both the promotional APR and the APR after the promotional rate period will be 0.50 percentage point higher for investors and for lines secured by a second home. You must carry insurance on the property that secures the credit line. Receive $100 off closing costs, which are estimated at $982 (ALTA policy fee), $550-$750 (appraisal fee), $156-$312 (trust review fee), and $104-$208 (legal document preparation fee). Fees may vary from the estimates quoted, depending on your specific credit line. There is an annual fee of $100, which is non-refundable and will be charged to your credit line on each anniversary date of your credit line account beginning with the second anniversary. The annual fee is waived for the first year and will be waived thereafter if you have a personal Priority Banking Checking Account Level 3. Offer subject to credit approval and good for new approved Equity FirstLineSM Plus applications received from 3/10/2014 to 4/30/2014. Credit line account must be opened within 60 days of application date. Refinancing of existing First Hawaiian Bank loans, lines of credit or credit cards, and Equity FirstLine Plus locks, personal lines of credit, and lines to purchase and install a new photovoltaic system, do not qualify for the rate offer. Only credit lines secured by Guam properties are eligible. Cannot be combined with other special rates or promotions.

Personal FirstLine:
The introductory 6.99% Annual Percentage Rate (APR) is fixed for one year from account opening. After the introductory period, the APR may vary and will be adjusted monthly to 4.50 percentage points over an index, which is the Wall Street Journal Prime Rate, except that the APR will never be lower than 6.00% and will never be higher than 18.00%. The current variable APR is 7.86% as of 3/1/14. The APR will be 0.35 percentage point lower if you have a personal Priority BankingSM Checking Account Level 3. There is a one time documentation preparation fee of $50.00 and an annual fee of $35.00. Annual fee of $35.00 will be waived as long as you have a personal Priority BankingSM Checking Account Level 3. Offer subject to credit approval and good for new approved Personal FirstLine applications received from 3/1/14 to 3/31/14 and cannot be combined with other promotions or special rates. This offer not available for Business or Real Estate Loans. Refinances of existing First Hawaiian Bank personal loans or lines-of-credit do not qualify for the offer.

+ Important Information Regarding CNMI Rates

PayAnyDay Loan:
The Annual Percentage Rate (APR) of 5.99% will apply to new, approved personal loan applications received 03/01/14 to 04/30/14 with a principal amount of $10,050.00 and a term of 48 months. Loans with other principal amounts ($2,500 minimum loan amount) and terms are available, but the promotional APR may differ. A one-time documentation preparation fee of $50.00 applies to all loans under this promotion and will be added to the principal balance. For a 48-month loan of $10,050 at 5.99% APR, you will have 48 monthly payments of $234.77, which includes principal and interest. Offer subject to credit approval. This offer does not apply to business or real estate loans. Also, the proceeds of the loan cannot be used to pay off any existing First Hawaiian Bank credit cards, personal loans or lines-of-credit.

Personal FirstLine:
The introductory 6.99% Annual Percentage Rate (APR) is fixed for one year from account opening. After the introductory period, the APR may vary and will be adjusted monthly to 4.50 percentage points over an index, which is the Wall Street Journal Prime Rate, except that the APR will never be lower than 6.00% and will never be higher than 18.00%. The current variable APR is 7.86% as of 3/1/14. The APR will be 0.35 percentage point lower if you have a personal Priority BankingSM Checking Account Level 3. There is a one time documentation preparation fee of $50.00 and an annual fee of $35.00. Annual fee of $35.00 will be waived as long as you have a personal Priority BankingSM Checking Account Level 3. Offer subject to credit approval and good for new approved Personal FirstLine applications received from 3/1/14 to 3/31/14 and cannot be combined with other promotions or special rates. This offer not available for Business or Real Estate Loans. Refinances of existing First Hawaiian Bank personal loans or lines-of-credit do not qualify for the offer.

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