A HOME EQUITY LINE WITH NO CLOSING COSTS.

That's Equity Express^SM

If you’ve been thinking about getting a home equity line of credit, act now and take advantage of our ‘no closing costs’ for owner-occupants*. Yes – zero, zip, zilch closing costs.

Plus, participate in our TravelAwards PlusSM program and we’ll waive the fee for the first year.

With all Equity Express has to offer – no wonder it’s Hawaii’s smartest home equity line of credit.

• No closing costs – Owner-occupants pay no closing costs
• Lowest fully indexed rate – The lowest fully indexed rate in Hawaii
• The longest repayment period - Use this line for 10 year then take 20 years to repay your balance.
• Plus . . . no annual fee and access to your line by check or Visa® credit card

Ready to apply?

Click here to apply online.

Learn more.

Click here for more information about Equity Express.

Home Equity Calculator: Get an idea of the equity that you may have in your home.

Home Equity Test : Find out if you’re a good candidate for an equity line of credit.

* Variable rates effective 8/1/09, range between 4.50% - 4.75% Annual Percentage Rate (APR) based on credit and occupancy; subject to change monthly based on the Prime Rate published in the Wall Street Journal, plus a margin. Minimum APR is 4.50%. Maximum APR is 18.00%. Bank will cover the following closing costs (fees) for owner-occupied property: flood certification, title insurance, escrow, credit report, condo processing, mortgage recording, notary, trust documentation, trust review, release of third-party mortgage and an Automated Value Method (AVM) or appraisal if an AVM is not available. Requests over $250,000 require an appraisal. All Investor lines and Owner-Occupant lines over $250,000 are subject to all fees (estimated between $10 and $3,000). These are approximations; contact us regarding your property. Account has a 10-year draw period (with interest only monthly payments) followed by a 20-year repayment period (with principal plus interest payments). A fee of $500 will be assessed if account is closed or credit line is reduced within the first 3 years. Homeowner’s and hurricane insurance required; flood insurance required if property is located in flood zone. Equity Express account agreement applies. No grace period for credit card transactions; finance charges accrue from the date of transaction. Participation in the TravelAwards PlusSM program is optional at a cost of $50 per year; waived for the first year. Program subject to change or discontinuation without notice.