Hawaii's mortgage & savings rates, compared daily.
We compare rates published by Hawaii banks and credit unions, each linked to the lender's own page — no hidden sponsorships, no biased rankings.
Hawaii Mortgage Rates
Today's purchase rates from local banks and credit unions
Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees. Rates whose lender page shows no date are listed last and not ranked.
Each row shows the date on the lender's own rate page. Verify with lender before applying.
Rates shown assume 20% down payment, owner-occupied primary residence in Hawaii, qualified borrower (720+ credit score), and approximately 45-day rate lock. Actual rates vary based on your specific situation.
Hawaii Mortgage Calculator
Defaults reflect Hawaii's high conforming limit of $1,249,125
Estimates include property tax at 0.35% and homeowner's insurance at 0.30% of home value. Actual costs vary. Does not include HOA, PMI, or other fees.
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Hawaii Rates: Frequently Asked Questions
How often are these Hawaii rates updated?+
We copy each rate from the lender's own published page and record the date that page shows. Every rate card shows that date and a link to the source; rates we have not re-confirmed are marked, and rates not re-verified within 7 days are flagged. The Status page lists when each institution was last verified.
What is the difference between interest rate and APR?+
The interest rate is the cost of borrowing the loan principal. APR (annual percentage rate) includes the interest rate plus points and certain lender fees, so it reflects the fuller cost of the loan. We sort every mortgage table by lowest APR because it is the most accurate way to compare two offers.
Why do Hawaii mortgage rates differ from national averages?+
Hawaii has the highest median home prices in the country, so a large share of local mortgages are jumbo loans, which carry their own pricing. Hawaii's banks and credit unions also set rates for local conditions rather than mirroring mainland averages, which is why comparing local lenders directly matters.
What counts as a jumbo loan in Hawaii?+
A jumbo loan is any mortgage above the conforming loan limit. For a one-unit home in most Hawaii counties in 2026, that limit is $1,249,125 ($1,299,500 in Maui and Kalawao counties). Some lenders set their own jumbo cutoff, so check each rate's conditions. Loans above that amount are priced as jumbo loans and often have different rate and down-payment requirements.
Are Hawaii credit unions a good option for a mortgage?+
They can be. Compare the rows directly — credit union pricing is sometimes lower and sometimes higher than the banks'. The trade-off is that you must be eligible to join; most are open to Hawaii residents, and each rate card links to the lender's membership eligibility page.
Does 808rates.com get paid to rank lenders?+
No. Every rate table is sorted strictly by lowest APR (or highest APY for savings). Sorting is never influenced by advertising, sponsorships, or referral fees — we show the math, not a paid placement.