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Plans to fit businesses of all sizes.
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Unlimited deposits and a low minimum balance.
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Other innovative products that can help streamline your business.
Business Loans
A variety of loans and credit line options.
Commercial Mortgages
Whether you’re looking to purchase, build, or renovate.
Debit & Credit Cards
Get rewarded with cash back or valuable perks.
Certificates of Deposit
Savings with competitive rates and no fees.
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Simple accounts that work for you.
Savings
Saving in Hawaii can be hard. We’ll try to make it easy.
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Get help from the branch to your mobile device.
Personal Loans
Money when you need it, with flexible draw and repayment terms.
Home Loans
Trying to get the keys to your dream home? We can help.
Debit & Credit Cards
Get rewarded with cash back or valuable perks.
Certificates of Deposit
Earn higher rates with Hawaii Certificates of Deposit.
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Save for your future while reducing your taxes.
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Personal Banking
Home Loans
Taking out a Hawaii home loan is a big decision. We’re here to help.
Special HELOC Offer
Introductory APR
5.48% APR1 Fixed for 24 months,
5.68% APR1 Fixed for 36 months, or
5.88% APR1 Fixed for 48 months.
Current APR
8.36% APR Variable rate for the standard program and 6.86% APR Variable rate for the Premium program are based on a current index and margin as of 10/1/25.1
Home Equity Loans & Lines
A Home Equity Line of Credit uses your home’s equity to create a line of credit for home improvement, trips, or any of life’s emergencies. A HELOC provides ongoing borrowing power, with convenient checks for easy access and can help with major expenses such as home expansions.
Prime Plus Home Equity Credit Line
- A revolving line of credit secured by the equity in the borrower's home or investment property
- Converts the home's equity into available cash
- Credit line is accessed with special checks
- Unrestricted use
- Repayment replenishes credit reserve
- Up to $400,000 credit reserve
Premium Prime Plus Home Equity Credit Line
- A revolving line of credit for amounts over $400,000 and up to $3 million, secured by the equity in the borrower's home or investment property
- Minimum net worth of $3 million, excluding equity in the home being mortgaged
- Lower interest rates
- Minimum credit score of 725
Prime Plus Investment Equity Credit Line
- A revolving line of credit secured by an income producing investment property
- Credit reserve is replenished as funds are repaid
Home Equity Loans
- A term loan based on the equity of a residence or investment property
- Unrestricted use
Mortgages
Fixed-Rate Mortgages
Choose your terms and lock in an interest rate for the life of your mortgage loan, with 15 and 30-year loans offering the purchasing power and peace of mind you need when finding your dream home.
Adjustable-Rate Mortgages
Adjustable-rate mortgages are ideal for home buyers who plan to own a home for a limited time or who expect an increase in future earnings. While fixed-rate loans stay the same for the life of the mortgage, adjustable-rate loans are subject to periodic change, giving you greater flexibility on your home purchase with a lower initial rate and payments.
Already have a mortgage?
Consider converting to a fixed-rate loan or refinancing for a lower interest rate to decrease your payments. Our competitive rates and experienced lending team will work with you to get the mortgage that helps you save in the long-term.
Calculate Your Monthly Payment and view our helpful resources.
To open an account, visit our online Residential Mortgage Center.
Hawaii National Bank is not required to report home mortgage loan data pursuant to 1003.3 of the Home Mortgage Disclosure Act (HMDA).
Other Loans
Construction Permanent Loans
Build your dream home with a loan based on the value of your land and proposed home. One-time closing for both the construction and permanent loan phases saves time and money.
Improved Vacant Land Loans
Buy land now and build later with a loan that is amortized over 30 years, with the balance due in up to three years. Qualifying lots must have available water, sewer and electricity.
Let's Get Started
To check rates, calculate a quote or apply, visit our Residential Mortgage Center.
Questions? We're here to help online or over the phone.
HELOC Promo Terms & Conditions
The Hawaii National Bank special introductory rates on new Home Equity Lines of Credit (HELOCs) will be effective with a fixed Annual Percentage Rate (APR) of 5.48% for 24 months, 5.68% for 36 months, or 5.88% for 48 months, from the date your Hawaii National Bank Home Equity Line is opened. Subject to discontinuation without notice. After the introductory period, the rates will convert to a variable rate. As of October 1, 2025, the non-introductory fully indexed variable APR was 8.36%, with a 4.25% margin. Other fully indexed APRs currently range from 6.86% to 8.36%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%.
Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements.
Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing.
There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage.
At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment.
This special offer is available for new applications only and may be changed or withdrawn at any time without notice.
Equal Housing Lender. Member FDIC.
The SAFE Act
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), is a federal law that requires the licensure of mortgage loan originators according to national standards and participation in the Nationwide Mortgage Licensing System and Registry (NMLS). These standards are designed to enhance customer protection by providing greater uniformity and transparency in the mortgage industry. For a complete listing of Hawaii National Bank mortgage loan officers and their national mortgage license number, click here.
