Lines of Credit

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Financial Hardship Assistance

We are offering solutions to help customers who are facing financial hardship.

Competitive Rates

Low promotional rates for loans and lines of credit. Set up auto-pay from an ASB personal checking account to receive a rate discount.

Find the Best Option for You

Not sure where to start? Answer a few questions on our Loan or Line Chooser tool and see what's right for you.


Use our helpful calculators to help you reach your goals while keeping your mind at ease.

Common Questions:

Home Equity in Hawaii: How and When to Use It Thumbnail

Home Equity in Hawaii: How and When to Use It

With home values in Hawaii on the rise, your home equity could be worth more than you thought. Equity in your home is the amount of the property that you own — minus...

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Difference between HELOC vs. Refinance - family in kitchen thumbnail

What's the Difference Between a Home Equity Line of Credit (HELOC) and Refinancing?

Buying a home in Hawaii is a big milestone. But, what happens after you make the purchase and take out a mortgage? You can use the equity...

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Understanding Interest Rates thumbnail

Understanding Interest Rates

You might have heard about interest rates but do you really know what they are and how they can help your finances? You might know that interest is th...

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* For Equity ExpressSM (EEX) Home Equity Line of Credit (HELOC) accounts up to $400,000 (excluding properties listed for sale within the prior six months), American Savings Bank (ASB) will pay or waive fees and costs for flood certification (up to $9), bank’s title insurance (up to $150), credit report (up to $2.50 per borrower), condo review, mortgage recording, recording fee for the release of third-party mortgage, and valuation through an automated valuation model and property condition report (up to $185) of ASB’s choice; however, at their own cost, customers may request an appraisal at an estimated cost between $500 and $1,500.