Compare Loans and Lines of Credit

Finance your next milestone whether that's paying for tuition, consolidating debt or somewhere in between

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Lines of Credit
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Description

PERSONAL UNSECURED LOAN

Fixed rate loans to solve big or small credit needs

HOME EQUITY LINE OF CREDIT

A line of credit with higher limits secured by the equity in your home

CLEAN ENERGY LOAN

Fixed rate loans to purchase or install eligible residential clean energy systems

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

A line of credit linked to your American Savings Bank personal checking account
Key Features & Advantages

PERSONAL UNSECURED LOAN

  • No annual fee
  • No collateral required

HOME EQUITY LINE OF CREDIT

  • Access line of credit by checks or Online Banking
  • No interest accrued until the line is used

CLEAN ENERGY LOAN

  • Fixed interest rate
  • No annual fee
  • No collateral required

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

  • Fixed interest rate
  • No interest accrued until the line is used
  • No collateral required
Uses

PERSONAL UNSECURED LOAN

A simple and easy way to pay for planned or unplanned expenses

HOME EQUITY LINE OF CREDIT

Finance major expenses such as home renovations, college tuition, and long-term medical expenses

CLEAN ENERGY LOAN

A smart way to pay for your home's solar water heater, Photovoltaic (PV) system, PV Solar Water Heater, Solar Air Conditioning (A/C), or Battery Backup/Storage

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Overdraft protection for your checking account
Credit Limits

PERSONAL UNSECURED LOAN

$2,500 to $50,000

HOME EQUITY LINE OF CREDIT

$10,000 to $1 million1

CLEAN ENERGY LOAN

$1,500 - $70,000

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$500 to $15,000

Term

PERSONAL UNSECURED LOAN

48 months

HOME EQUITY LINE OF CREDIT

10-year draw
20-year repayment

CLEAN ENERGY LOAN

120 months

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Available until cancelled
Annual Fee

PERSONAL UNSECURED LOAN

$0

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $250,000

$502

CLEAN LOAN ENERGY

$0

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$25
Early Close Fee

PERSONAL UNSECURED LOAN

$0

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $250,000

$500 if closed within 3 years3

CLEAN ENERGY LOAN

$0

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$0
Prepayment Penalty

PERSONAL UNSECURED LOAN

$0

HOME EQUITY LINE OF CREDIT
Owner-occupant up to $250,000

$0

CLEAN ENERGY LOAN

$0

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

$0

PERSONAL UNSECURED LOAN

Fixed
9.99% to 21.99%4

HOME EQUITY LINE OF CREDIT

Variable - changes monthly from 4.50% to 18.00%7

Kalo Plus Checking (0.10% discount) and Kalo Deluxe Checking (0.15% discount) off the margin for the non-promotional interest rate offered, subject to the floor rate5

CLEAN ENERGY LOAN

Fixed
7.62% to 8.985%4

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Fixed 18.00%

Kalo Plus Checking (0.10% discount) and Kalo Deluxe Checking (0.15% discount) off the fixed, non-promotional interest rate offered6
Monthly Payment

PERSONAL UNSECURED LOAN

Fixed monthly payments (Principal and Interest)

HOME EQUITY LINE OF CREDIT

Draw Period:
Interest Only or Principal plus Interest5

Repayment Period:
Fixed principal portion equal to 1/240th of the outstanding principal balance at start of repayment period plus interest

CLEAN ENERGY LOAN

Initial Period:
No payment during the first 12 months

Interest Only Period:
6 months of 5.50% APR interest-only payments for months 13 to 18

Principal & Interest Period:
102 months of fixed principal and interest payments for months 19 to 120

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

The greater of $30 or 5% of principal balance plus interest
Immediate Cash

PERSONAL UNSECURED LOAN

Yes

HOME EQUITY LINE OF CREDIT

Yes

CLEAN ENERGY LOAN

Yes
At loan closing, ASB disburses 50% of the loan amount to your contractor and the remaining 50% to your ASB checking account for you to pay your contractor according to the terms of your agreement with it.

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

No. Access to credit is only via transfers to your linked checking account to cover overdrafts.
Over-the-Counter (Branch)

PERSONAL UNSECURED LOAN

N/A

HOME EQUITY LINE OF CREDIT

Yes

CLEAN ENERGY LOAN

N/A

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

No. Access to credit is only via transfers to your linked checking account to cover overdrafts.
via Checks

PERSONAL UNSECURED LOAN

N/A

HOME EQUITY LINE OF CREDIT

Yes

CLEAN ENERGY LOAN

N/A

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

No. Access to credit is only via transfers to your linked checking account to cover overdrafts.
ASB Online Banking with Mobile App10

PERSONAL UNSECURED LOAN

Yes

HOME EQUITY LINE OF CREDIT

Yes

CLEAN ENERGY LOAN

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

Yes
Military Lending Act Eligible

PERSONAL UNSECURED LOAN

Yes

HOME EQUITY LINE OF CREDIT

Yes

CLEAN ENERGY LOAN

Yes

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

No
Other Benefits

PERSONAL UNSECURED LOAN

N/A

HOME EQUITY LINE OF CREDIT

Fixed Rate Equity Loan Option (FRELO) available

CLEAN ENERGY LOAN

N/A

PREFERRED CREDITLINESM OVERDRAFT PROTECTION

N/A
  1. Additional documentation required for amounts over $400,000 up to $1,000,000.
  2. You will be assessed a $50 annual fee on your first periodic statement and annually thereafter during the draw period. The annual fee may be waived by setting up automatic payments from an ASB Kalo DeluxeSM Checking or Private Banking Checking account at loan signing. Cancellation of automatic payments from the Kalo Deluxe Checking or Private Banking Checking account anytime during the draw period may cancel the annual fee waiver and the fee will be assessed annually thereafter.
  3. Early Closing Fee will not be assessed if (i) your Credit Limit is twenty-five thousand dollars ($25,000.00) or less, (ii) you sell the collateral to an unrelated/unaffiliated third-party, or (iii) you payoff this Agreement with proceeds from a real estate secured loan from us.
  4. Rate is based on individual’s credit worthiness. See Consumer Loans and Lines Rate Sheet for current interest rates and APRs. Rates are subject to change at any time without prior notice.
  5. Rate and product type are based on individual’s credit worthiness. Variable rate includes an index plus margin and subject to a floor rate of 4.50% and maximum APR of 18.00%. Index is subject to change monthly and is based on the highest Prime Rate published in the Wall Street Journal. Rates are subject to change at any time without prior notice.
  6. A discount is offered for Preferred CreditLine Overdraft Protection accounts. The Kalo Plus or Kalo Deluxe Checking account must be open at the time of loan signing for the discount to be applicable. For details, please refer to your loan documents or disclosures.