808Rates
8 Hawaii institutionsNo sponsored rankings

Hawaii's mortgage & savings rates, compared daily.

We aggregate rates from every major Hawaii bank and credit union so you can find the best deal — no hidden sponsorships, no biased rankings.

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Rates updated: Friday, April 24, 2026

Hawaii Mortgage Rates

Today's purchase & refinance rates from local banks and credit unions

April 24 evening update: BOH cuts -12.5bps across all 9 mortgage products — 30yr now 5.750%/5.925% APR with +0.250 points repricing, including jumbo, VA, and all ARMs. ASB partially walks back morning hike (30yr APR 6.117→6.093 via points cut). FHB 15yr APR 5.64→5.62. HSFCU points dropped 0.125 across all variants. HIFCU holds 5.000%/5.354% APR — now 57bps ahead of best bank (BOH at 5.925%). Best verified 30-yr APR today: 5.354%. See full April 24 rate alert →
$800,000

Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees.

Rates as of April 25, 2026. 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.

HawaiiUSA Federal Credit Union
HawaiiUSA FCU✓ Best Rate
NCUA Insured
Product
30-Year Fixed
Rate
5.000%
APR
5.354%
Est. Payment (P&I only)
$4,295/mo
View Details
Points: 2.375 (~$19,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated 2d ago
BOH
Bank of Hawaii#2
FDIC Insured
Product
30-Year Fixed
Rate
5.750%
APR
5.925%
Est. Payment (P&I only)
$4,669/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated yesterday
Hawaii State Federal Credit Union
Hawaii State FCU#3
NCUA Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.051%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated yesterday
American Savings Bank
American Savings
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.093%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 1.75 (~$14,000 upfront)(?)Max LTV: 80%Updated yesterday
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.170%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 2.125 (~$17,000 upfront)(?)Max LTV: 80%Updated yesterday
CPB
Central Pacific
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.197%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 2 (~$16,000 upfront)(?)Max LTV: 80%Updated yesterday
Hawaii State Federal Credit Union
Hawaii State FCU
NCUA Insured
Product
30-Year Fixed (Low Points)
Rate
6.125%
APR
6.208%
Est. Payment (P&I only)
$4,861/mo
View Details
Points: 0.875 (~$7,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated yesterday

Hawaii Mortgage Calculator

Defaults reflect Hawaii's high conforming limit of $1,249,125

$1,200,000
$240,000
Monthly P&I
$5,911
Est. Total
$6,561
incl. tax & insurance
Loan Amount
$960,000
Total Interest
$1,167,919

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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Top CD Rate
3.65% APY
8-Month Certificate (Promo)
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Best HELOC APR
6.50% APR
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VA Loans
0% Down
For Hawaii veterans & military
VA Loan Details →