Exclusive Offers for Hawaii State Teacher Association (HSTA) Members1
American Savings Bank is committed to doing its part to keep Hawaii home - especially for teachers who are educating Hawaii's next generation. Together, we can build a better Hawaii, one family at a time.

This is HOMESM: HSTA Promo

Hawaii’s first-of-its-kind homebuyer program for teachers that lets you live where you love2,3

Checkmark Icon

Low down payment option (as low as 3% down)3


Checkmark Icon

Below market interest rate

 

Checkmark Icon

Discounted mortgage insurance

 

Checkmark Icon

Primary residence purchases only (do not need to be a first-time homebuyer)

 

Checkmark Icon

Family of 4 earning up to $194,250/year may be eligible

 

Checkmark Icon

Complimentary consultation and prequalification

Exclusive Refinance Promotion 

One half (0.50) point off mortgage refinance

One half (0.50) point equates to $5,000 in savings on a $1M mortgage
Why Choose American Savings Bank

American Savings Bank (ASB) has been making dreams possible for Hawaii’s residents, businesses and communities for nearly 100 years. ASB provides a full range of financial products and services, including business and consumer banking, and home loans.

Branch Icon
Convenient ATMs & Branches
Access to ASB’s conveniently located statewide ATM and branch network, many with evening and weekend hours.
Mobile Phone Icon
Digital Banking
Bank anytime, anywhere with our ASB Mobile App. Our updated and modern mobile app experience is a secure and convenient way to manage your money and accounts on the go.
Banker icon
Expert Bankers
Our experienced bankers throughout five islands pride themselves on making dreams possible and guiding customers through every major financial milestone in their life.
ASB Number One Lender

American Savings Bank is Hawaii's #1 Local Mortgage Lender*

*State of Hawaii Bureau of Conveyances Jan-Sept 2024, recorded total value of residential, non-wholesale, purchase mortgages. 

Today's Mortgage Rates (04/30/2025)
Below are today’s mortgage rates for our This is Home mortgage, Adjustable Rate Mortgage (ARM) and Fixed Mortgage
This is Home 30 Year Fixed4
  • Rate: 6.000%
  • Points: 2.125
  • APR: 6.265%
  • Monthly Payment:5 $ 599.55
30 Year Fixed4
  • Rate: 6.250%
  • Points: 2.250
  • APR: 6.524%
  • Monthly Payment:5 $ 615.72
10 Year ARM4
  • Rate: 6.125%
  • Points: 0.125
  • APR: 6.530%
  • Monthly Payment:5 $ 607.61
Meet With Your Expert Mortgage Loan Officers
                                                
Manny August's Photo

Manny August

Island: Oahu   
NMLS #662118   
Phone: (808) 927-4512   
Let's Meet

Lisa Carillo's photo

Lisa Carillo

Island: Maui   
NMLS #685883   
Phone: (808) 872-4991   
Let's Meet

Mark James Headshot

Mark James

Island: Hawaii Island   
NMLS #477462   
Phone: (808) 593-4885   
Let's Meet

  1. Exclusive offers for current or retired HSTA members, subject to verification.
  2. The “This is HOMESM” program is applicable for home purchase transactions financed through American Savings Bank (ASB) residential mortgage programs. Program is not applicable for brokered out or Veterans Affairs loans. Offer good only with a completed loan application submitted to ASB and for a loan closed and funded by ASB by 12/31/2024. Applicant income limited to 140% Area Median Income (up to $194,250 for 4-person household as of 6/18/2024) (source: Department of Business, Economic Development & Tourism: https://dbedt.hawaii.gov/hhfdc/files/2024/04/Honolulu-County-Income-Rent-Sales-Guidelines-2024.pdf/). (Source: Department of Business, Economic Development & Tourism: https://dbedt.hawaii.gov/hcda/annual-ami-stats/). Applicant(s) is/are subject to loan qualification, underwriting guidelines, and credit policy of ASB. Offer valid for Hawaii properties only. Certain terms and restrictions apply. For more information, please contact an ASB Residential Loan Officer.
  3. Offer is subject to automatic monthly mortgage payments from a new or existing ASB personal checking account. The ASB checking account number with the intent to establish automatic monthly mortgage payments must be provided prior to final approval of the loan by ASB. The establishment of automatic payments must be signed at mortgage closing. If the borrower opts out of automatic payments or the ASB checking account is not established at loan closing, this program will not apply. See the Personal Deposit Account Terms and Conditions for other terms, conditions and fees for Kalo Checking accounts. This program cannot be combined with any other promotional discounts, long-term rate lock specials, or new project financing rates unless otherwise specified. This offer is subject to change or discontinue without notice. Offer good for one unit or one unit and Additional Dwelling Unit single-family dwellings and condominiums. The financed residential property must be owner-occupied.

*For virtual seminars, the WebEx service used includes a feature that allows audio and any documents and other materials exchanged or viewed during the session to be recorded. By registering and joining this session, you automatically consent to such recordings. If you do not consent to the recording, do not register and/or join the session. American Savings Bank will record the WebEx session so those unable to attend can watch it later. By joining the WebEx session, you understand and agree that your image and voice may appear in the recording.

Ellen Cho Nielson

Vincenzo Di Nicolantonio

Vice President, Financial Advisor

 

American Savings Investment Services

Phone: (808) 952-7016
vinny.dinicolantonio@asbinvestments.com      
Branches served: Mililani Shopping Center and Haleiwa
(Portuguese & Italian Speaking)

Vincenzo joins the American Savings Investment Services team with more than five years of experience in the banking industry and specialized skills in operations and wealth management. He is committed to helping clients reach their financial milestones through personalized solutions and intentional planning unique to one’s goals.

Vincenzo is committed to bringing real impact to the community and volunteers with various non-profit organizations to help restore native habits throughout the island. He also enjoys surfing, biking, traveling and playing guitar.

He earned a bachelor’s degree in economics from the Federal University of Rio de Janeiro and holds Series 7 and 66 securities registrations, as well as life and health insurance licenses. Vincenzo is fluent in Portuguese and Italian.

Get a portfolio risk analysis by clicking below to visit the Riskalyze website.

Portfolio Risk Analysis

Back to advisors page

Grow your savings with a Certificate of Deposit (CD)

Benefits of a CD

  • Higher interest rates: A CD offers higher interest rates than traditional savings accounts. When you open your CD with ASB, you’ll get competitive annual percentage yields (APY) and guaranteed returns.

  • Guaranteed returns: Lock in a CD rate and let your money grow over time.

  • Choose a term length that works for you: Our promotional CD rates allow you to earn more in a shorter amount of time.

Grab great CD rates before it's too late!

Current Promotional Certificate of Deposit Rates with Funds
from Another Financial Institution (Minimum balance of $10,000)

3-MONTH TERM1

Deluxe & Private Banking Customers

3.55% APY


OTHERWISE

3.45% APY

OPEN 3-MONTH CD

6-MONTH TERM1

Deluxe & Private Banking Customers

3.60% APY


OTHERWISE

3.50% APY

OPEN 6-MONTH CD

12-MONTH TERM1

Deluxe & Private Banking Customers

3.40% APY


OTHERWISE

3.30% APY

OPEN 12-MONTH CD

Return to Homepage >

  1. The Annual Percentage Yield (APY) is accurate as of April 16, 2025. The minimum balance required to open and obtain the promotional APY is $10,000 for consumer accounts; funds must originate from another financial institution. Subject to change without notice. Refer to the Deposit Interest Rates on asbhawaii.com for other promotional rates. Cannot be combined with any other offer. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Online CDs are available for amounts up to $50,000. Other terms and conditions apply.

CERTIFICATE OF DEPOSIT

Current Promotional Certificate of Deposit Rates with Funds
from Another Financial Institution (Minimum balance of $10,000)

3-MONTH TERM1

Deluxe & Private Banking Customers

3.55% APY


OTHERWISE

3.45% APY

OPEN 3-MONTH CD

6-MONTH TERM1

Deluxe & Private Banking Customers

3.60% APY


OTHERWISE

3.50% APY

OPEN 6-MONTH CD

12-MONTH TERM1

Deluxe & Private Banking Customers

3.40% APY


OTHERWISE

3.30% APY

OPEN 12-MONTH CD

Grab great CD rates before it's too late!

Return to Homepage >

  1. The Annual Percentage Yield (APY) is accurate as of April 16, 2025. The minimum balance required to open and obtain the promotional APY is $10,000 for consumer accounts; funds must originate from another financial institution. Subject to change without notice. Refer to the Deposit Interest Rates on asbhawaii.com for other promotional rates. Cannot be combined with any other offer. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Online CDs are available for amounts up to $50,000. Other terms and conditions apply.
< Back Helpful Articles

ASB Leads Annual Statewide Volunteer Effort for National Cleanup Day

ASB September 23, 2024 | 2 MIN read Community

ASB teammates volunteer across five islands to clean and restore Hawaii’s communities and natural environments.

Nearly 200 American Savings Bank (ASB) teammates, friends and family members across five islands came together on Saturday, Sept. 21, to participate in local cleanup efforts as part of National Cleanup Day. The annual Statewide Seeds of Service volunteer event reflects ASB’s commitment to bring real impact to the community.

2024 ASB Seeds of Service

“For nearly a century, ASB has been dedicated to improving the lives of Hawaii’s residents, businesses and communities,” said Ann Teranishi, president and CEO at ASB. “National Cleanup Day perfectly aligns with our values, and this year’s Seeds of Service initiatives demonstrate our ongoing efforts to support and give back to the communities we serve. I’m incredibly proud of our teammates who not only provide monetary support to great causes throughout the year but also roll up their sleeves to make a direct, positive impact.”

2024 ASB Seeds of Service

ASB executives led the charge on each island, spearheading various community cleanup and restoration projects tailored to meet the unique needs of each island.

  1. Oahu: More than 120 volunteers, alongside community partners like APB Skateshop, Farrington High School, Honolulu Department of Parks and Recreation, Honolulu Police Department, Knights of Rizal Hawaii Chapter, Trust for Public Land and Councilmember Tyler Dos-Santos Tam, revitalized Aala Park and the surrounding Chinatown-Kalihi areas through graffiti removal, trash collection and painting.
  2. Maui: At Waihee Coastal Dunes and Wetland Refuge, volunteers worked on vital coastal restoration and conservation efforts, protecting native wildlife and preserving the natural environment.
  3. Hawaii Island:
    • Hilo: Volunteers restored cabins at Camp Kilohana, repainting and rejuvenating spaces used by local youth programs.
    • Kona: Through Partners in Development Foundation’s Piha Me Ka Pono program, volunteers worked at Kealakehe Elementary to support educational and environmental initiatives.
  4. Molokai: Volunteers gathered at Palaau State Park to sand and paint picnic tables, enhancing the public space around Kalapapa.
  5. Kauai: At Kumano I Ke Ala, volunteers worked in the loi kalo, supporting sustainable taro farming and preserving Kauai’s natural resources.

Since 2005, teammates have contributed more than 127,000 hours through ASB’s Seeds of Service program, supporting hundreds of nonprofit organizations across Hawaii. This reflects ASB’s deep commitment to making a positive impact throughout the islands.

For more information on ASB’s community programs, visit www.asbhawaii.com/about-us/our-community.

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

< Back Helpful Articles

Building a Stronger Hawaii: Hui Kapili Business Accelerator Builds Capacity for Local Construction Industry

ASB September 04, 2024 | 3 MIN read News Releases

Sixteen leaders from 10 businesses selected to receive free training, resources and mentorship from industry leaders to elevate their business and the community.

Hawaii Home + Remodeling Magazine and American Savings Bank (ASB) are proud to announce the launch of the Hui Kapili Accelerator, a program designed to bridge the gap between Hawaii’s labor shortage and construction industry demand. With more than half of construction businesses failing within the first 10 years, Hui Kapili aims to empower small- to mid-sized construction-related companies with the business acumen and support needed to succeed in Hawaii’s competitive market.

2024 Hui Kapili Cohort

Click to Enlarge

Sixteen leaders from 10 businesses were selected for the 10-week program facilitated by ASB leaders and other business and building industry experts. Session topics include strategic business planning and development, financial management and budget optimization, innovative technology integration, effective workforce management and development, community engagement and social responsibility.

“American Savings Bank is proud to sponsor the Hui Kapili Accelerator to ensure our local workforce and construction-related companies continue to thrive in Hawaii,” said Ann Teranishi, president and CEO at American Savings Bank. “ASB is committed to tackling our state’s affordable housing crisis by investing in the success of these industry leaders, whose companies will improve infrastructure and create opportunities for future generations to remain here at home. We commend the cohort members for investing in their business and employees by investing in themselves.”

As a business owner of over 12 years, Richie Breaux, owner of All Things New Construction and one of the inaugural cohort members, has experienced firsthand the challenges of Hawaii’s building industry. “The Hui Kapili Accelerator will give business owners the opportunity to learn from industry experts and share our knowledge with each other, accelerating growth for each business,” Breaux said. “It gives us a chance to find common ground so we can address the issues the industry faces together and work toward solutions. We don’t want to see our residents moving away from Hawaii because of housing and labor challenges.”

Introducing the Inaugural Hui Kapili Cohort:

  • Kris Baptist, Aina Lani Pacific (Maui)
  • Richie Breaux, All Things New Construction
  • Tiffanie Gardner and Chino Haynes, Top Priority, Inc.
  • Chad Hilweh and Liana Hilweh, Hilweh Builders
  • Brandon Jarnesky and Jesse Alverio, Elite Construction Management 
  • Ramona Lariosa, Damien Lariosa, and Austin Lariosa, Haloa Construction
  • Loida Levinthol, PICS, Inc. (Kauai)
  • J.R. Moorhead, Moorhead & Company, Inc.
  • James Sims, All-Build Construction 
  • Mark Wasden and Victor Rodriguez, TradeMark Construction 

“There was a lot of interest in the program, and we were impressed by the caliber of applicants for our inaugural cohort,” said Cyd Rosa, publisher at Hawaii Home + Remodeling Magazine. “We’re also excited for our cohort to learn from these respected and knowledgeable leaders in their fields so they can drive innovation and growth within Hawaii’s construction industry. The cohort will tackle topics to help their business thrive while diving into issues and seeking solutions the industry faces.”

A Commitment to Community

In lieu of a program fee, participants will engage in a meaningful community project aimed at making Hawaii stronger and more resilient for future generations.

2024 Hui Kapili Cohort

On Sept. 3, cohort members gathered at ASB’s Campus for a kickoff event.

About Hui Kapili Accelerator
Co-sponsored by American Savings Bank and aio, Hui Kapili Accelerator aims to address Hawaii's construction labor shortage and foster sustainable growth within the industry. Hawaii Home + Remodeling Magazine, an aio publication, has been supporting the building and construction industry in Hawaii for over 42 years.

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

Online Banking
Choose where you want to bank, when you want to bank with Hawaii's 5-time Forbes' Best-In-State Bank. Our online banking service is a secure and convenient way to manage your money and accounts on the go. Our robust digital banking solutions inside our updated, modern mobile app experience helps you spend more time in the moment.

We Make Banking Easy

Our app is built with you mind, and we've made it easier for you to access important banking services quickly with our new navigational menu.

Icon
Icon
Icon
Icon

More Ways to Bank Online

Globe Icon

Enroll in eStatements

Receive paperless statements - it's secure, convenient, protected and great for the environment!

Cash Icon

Set Up Direct Deposit

Use our automated account switching solution ClickSWITCH to set up a new direct deposit to your ASB account.

Transfer Icon

Easy Payments with Zelle®

Send and receive money typically in minutes between enrolled users.*

Mobile Deposit Icon

Mobile Check Deposit

Securely and conveniently deposit your checks without having to stop by one of our branch locations. 

Check Icon

Enroll in Bill Pay

Paying bills has never been easier. Use ASB Online Banking to schedule single or recurring payments from your phone, tablet or computer and get rid of the hassle of checks and stamps.

Name card Icon

Manage Contact Information

Conveniently manage your contact information online to protect your information.

Online Banking Resources
phone icon
Simplify your banking needs. It's quick and easy to set up Online Banking.
Arrow icon
Chalkboard Icon
Watch our tutorial videos to enhance your digital experience and learn how you can benefit from Online Banking.
Arrow icon
Lock Icon
Learn how we keep your information secure with Online Banking.
Arrow Icon

Common Questions

Online Banking vs. Traditional Banking: What's the Difference? Thumbnail

Online Banking vs. Traditional Banking: What's the Difference?

The rise of technology in recent years has also led to new ways to bank — online via web browsers and smartphone applications. Online banking has beco...

Read More >

Be Aware of Ransomware Thumbnail

Be Aware of Ransomware

Ransomware is a form of malware designed to hold a victim’s files and device hostage until they’ve paid the demanded ransom. We’re here to help you le...

Read More >

MAKE BANKING EASY WITH ASB MOBILE BANKING Thumbnail

Make Banking Easy with ASB Mobile Banking

We’re on a mission to make banking easy for customers anytime, anywhere. Ari Haiola, Consumer Product Strategy Analyst, recently joined HI Now Daily t...

Read More >

*U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

American Savings Bank, F.S.B. IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle® Marks.

< Back Helpful Articles

American Savings Bank Pledges $50,000 to Support Rainbow Wahine Student-Athletes

ASB September 03, 2024 | 1 MIN read News Releases

The University of Hawai‘i Athletics Department, in partnership with the University of Hawai‘i Foundation, is proud to announce a new collaboration with American Savings Bank (ASB) to support Rainbow Wahine student-athletes. As part of this sponsorship, ASB has pledged to donate up to $50,000 and will establish an endowment fund to provide scholarships to deserving Rainbow Wahine student-athletes each year.

“We are thrilled that American Savings Bank has stepped up to support our Rainbow Wahine student-athletes,” said UH Athletics Director Craig Angelos. “We’ve had tremendous success in these sports, and the Wahine Fund will help us compete at championship levels.”

UH Womens Sports

The Wahine Scholarship Fund provides vital resources and helps build a legacy of women champions at UH. ASB’s generous gift will help UH reach its fundraising goal and ensure the ongoing success of women’s athletics at the university.

“American Savings Bank is proud to support the dreams of Rainbow Wahine student-athletes as they achieve greatness in their academic and athletic pursuits,” said Ann Teranishi, President and CEO of ASB. “At ASB, more than 65 percent of our teammates are female, and we’ve seen firsthand the amazing things women can accomplish when provided the right resources and support.”

Fans who wish to contribute to the continued success of the Rainbow Wahine can visit WahineFund.com to make a donation.

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

Clint Uwaine

Clint Uwaine

Assistant Vice President, Associate Financial Advisor

 

American Savings Investment Services

Phone: (808) 952-7009
clint.uwaine@asbinvestments.com      
Branches served: Ewa Beach, Kalihi, Wahiawa and Waipahu

Clint joins American Savings Bank as assistant vice president, associate financial advisor and has over 10 years of combined experience in life insurance and banking. Clint has been making dreams possible for customers as a member of ASB’s investment services team since 2018.

Born and raised on Oahu, Clint’s deep-rooted belief in the importance of family fuels his passion for helping others build generational legacies and achieve their financial dreams. 

Clint holds bachelor’s degrees in economics and psychology from University of Hawaii at Manoa and a master’s in international business from Hult International Business School. He also holds Series 7 and 66 securities registrations and life and health insurance licenses. 

During his spare time, he enjoys golfing, working on cars and traveling with his family.

Get a portfolio risk analysis by clicking below to visit the Riskalyze website.

Portfolio Risk Analysis

Back to advisors page

Christopher Kai

Christopher Kai

Assistant Vice President, Associate Financial Advisor

 

American Savings Investment Services

Phone: (808) 952-7026
christopher.kai@asbinvestments.com     
Branches served: Pearlridge and Pearl City

Christopher joins the American Savings Investment Services team with more than five years of banking experience. Born and raised on Oahu, he provides clients with exceptional service and personalized solutions to take their investments to the next level. He’s dedicated to making dreams possible and helping customers reach their financial goals.

He holds Series 7 and 66 securities registrations, as well as life and health insurance licenses. Christopher enjoys exploring the outdoors and spending time with family.

Get a portfolio risk analysis by clicking below to visit the Riskalyze website.

Portfolio Risk Analysis

Back to advisors page

Subscribe to