Your source for home and business loans

American Savings Bank has been serving Hawaii's businesses and communities for over 80 years. Despite the recent turbulence in our economy, American Savings Bank remains financially sound and we continue to offer a variety of consumer and business loans and lines of credit.

Options for homeowners
If you already own a home, consider using the equity in your home to "pay off" nondeductible consumer debt, such as high-interest credit cards. With an American Savings Bank Equity Express^SM home equity line of credit, interest rates are usually lower than other consumer credit, plus the interest you pay may be tax-deductible (consult your tax advisor). We also offer a variety of mortgage loan programs if you are looking to refinance your first mortgage.

Our American Dream Loan^SM program, for first-time homebuyers, offers a reduced down payment requirement and lower closing costs with the choice of a fixed or adjustable rate mortgage for fee-simple or leasehold properties. And our jumbo loans are designed for amounts that exceed conventional mortgage loan limits.

Options for businesses
A Business PowerLine^SM provides your company with a convenient source of working capital you can use to purchase supplies, finance inventory or any other need. Interest-only monthly payments make borrowing affordable and our streamlined annual renewal process means you only apply once. We also offer Business Term Loans for purchasing fixed assets such as equipment, vehicles, furniture or fixtures, or you can choose to use the loan to consolidate debt or for working capital.

Whether you're looking to buy a home, make improvements to your home or business, lower monthly payments or consolidate debt, we have many solutions to help you reach your goals. To apply for a loan or for more information, visit asbhawaii.com or call 627-6900 (Oahu) or 1-800-272-2566 (Neighbor Islands and Mainland).

ASB Tiered Savings^SM

Higher balances earn you higher interest rates

American Savings Bank is pleased to offer you the ASB Tiered Savings account. This tiered interest-earning account allows you to earn higher interest rates with higher balances – and that increased earning starts with maintaining a balance of just $5,000.

• Earn higher interest rates with higher balances.
• No minimum opening deposit.¹
• Free online banking.
• Free unlimited withdrawals and deposits at our branches.
• Free Money Express^SM ATM card.
• No-fee traveler's cheques.

With ASB Tiered Savings, there are no monthly deposit requirements and no monthly withdrawal restrictions to earn a higher rate. Plus, you can link your ASB Tiered Savings account to an ASB Free or ASB Interest Checking account for overdraft protection.²

Start earning interest today
With more than 60 branches, including in-store locations, weekend banking and longer hours, plus access to more than 200 Money Express ATMs and free online banking, we make it easy for you to bank with us anytime, anywhere. To open your ASB Tiered Savings account, visit any American Savings Bank branch. Or, for more information, visit asbhawaii.com or call 627-6900 (Oahu) or 800-272-2566 (Neighbor Islands).