Behind every milestone, there’s a Yes.

1. If you choose to enroll in automatic payments from a First Hawaiian Bank personal checking or savings account to pay your monthly payments (“Auto-Pay”) before final credit approval, the promotional 1.75%, 2.25%, and 2.75% Annual Percentage Rates (APR) for the variable rate portion of your credit line will be fixed for 24, 36 and 48 months, respectively, from account opening (the “Auto-Pay Promo”). If you choose not to enroll in Auto-Pay before final credit approval, the promotional 1.75%, 2.25%, and 2.75% APR for the variable rate portion of your credit line are fixed for 24, 36 and 48 months, respectively, from account opening. You are not required to enroll in Auto-Pay to open or maintain your Credit Line. Participating in Auto-Pay merely makes the Auto-Pay Promo available to your Credit Line. After the applicable promotional rate period ends, 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. The current fully indexed variable APR is 4.82% as of 1/1/2021. Except for any Auto-Pay promotional rate, no other discounts apply to the promotional fixed rates. The APR after the promotional period will be 0.25 or 0.35 percentage point lower if you have a personal Priority Banking 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, and 1.00 percentage point higher for leasehold (owner occupant only) properties. Other adders may apply. You must carry insurance on the property that secures the credit line; flood insurance is required if the property is located in a special flood hazard area. 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 $750 – $3,557 (ALTA policy), $275 - $2,285 (appraisal service fee), $260 (trust review fee), $150 (private flood insurance policy review fee), and $225 – $475 (legal documentation). For Guam, receive $100 off closing costs, which are estimated at $665 – $2,871 (appraisal service fee), $12 (flood determination fee), $840 – $2,212 (title report), $150 – $1,145 (recording fee), $416 (trust review fee), $150 (private flood insurance policy review fee), and $400 – $725 (legal documentation). Other closing costs may apply and the fees quoted could be higher, 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 during the ten (10) year Draw Period. The annual fee is waived if you have a personal Priority Banking Checking Account Level 3 at the time the fee is assessed. An annual fee is not assessed during the twenty (20) year Repayment Period after the Draw Period. Offer subject to credit approval and good for new approved Home Equity FirstLine applications received from 1/1/2021 to 1/31/2021. 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 Home Equity FirstLine 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.

2. Not applicable to properties in certain locations or in poor conditions.

3. Up to $500 Credit: If refinancing a non-First Hawaiian Bank loan or credit line, you may receive a credit at account opening of up to $500 to reimburse you for any early closing or termination fees assessed by your current lender upon verification that a fee has been assessed.

999 Bishop Street, Suite 1850; Honolulu, HI 96813 | P: (808) 525-5159 or toll free at (877) 643-4344 Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. First Hawaiian Advisors, First Hawaiian Bank and First Hawaiian Bank Wealth Management Group are not registered broker/dealers and are independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

First Hawaiian Bank Wealth Management Group provides financial products and services through First Hawaiian Bank and its broker dealer Raymond James Financial Services. First Hawaiian Bank and its affiliates do not provide tax or legal advice.

First Hawaiian Bank products and services are not available for residents of the European Union.

The insurance and annuity products are obligations of the insurance company and (i) are not insured by the FDIC or any other agency of the United States; and (ii) are not deposits or other obligations of, or guaranteed or insured by, First Hawaiian Bank or any of its affiliates. For certain cash value life insurance products there is investment risk, including the possible loss of value.

Investment, Annuity, and Insurance products are:
NOT INSURED BY FDIC OR ANY GOVERNMENT AGENCY • MAY LOSE VALUE • NOT A DEPOSIT • NOT GUARANTEED BY FIRST HAWAIIAN BANK

Member FDIC

1. Minimum opening deposit of $20. Accounts with a zero balance for 30 consecutive days will be closed automatically. Banking services and special benefits depend on the Priority Level you apply for and maintain. These benefits may be lost if account is closed or converted to another type of account. Please see a Priority Banking Plan Checking Account Agreement for specific terms and conditions. Priority Banking Checking Account preferred terms cannot be combined with other discounts or promotional offers unless specifically stated.

2. All loans and lines of credit are subject to credit approval. For lines of credit, there is no discount on introductory fixed rates or fixed rate locks unless otherwise indicated in a specific promotion. Home equity lines of credit are not available in CNMI. Cannot be combined with any other offer.

3. FHB Online Bill Pay, including Popmoney, is free for Priority Banking customers and $5.99 for all other personal customers. To unenroll from the Bill Pay service, log in to your FHB Online account and send a Secured Message to request Bill Pay be removed.

4. Discount depends on the Priority Level you apply for and maintain. Subject to box availability. Limit of one Safe Deposit Box per Priority Checking Account. Safe deposit box contents are not insured by First Hawaiian Bank, the FDIC, or any other government agency.

5. You must have a mobile device with Internet to use FHB Mobile Banking and an auto focus, rear-facing camera to make a mobile check deposit.

Member FDIC

Member FDIC