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.
Hawaii Mortgage Rates
Today's purchase & refinance rates from local banks and credit unions
- HawaiiUSA FCU (HIFCU)Cloudflare blocks our automated verification; their rate page is JS-rendered and has no public PDF. Last verified April 28, 2026 — removed in May after exceeding our 14-day staleness floor.
- Aloha Pacific FCU (APFCU)alohapacific.com fully bot-blocks all our reader user-agents. Last verified April 23, 2026 — removed in early May after exceeding 14-day floor.
Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees.
Rates as of May 18, 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.
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 re-verify every rate against each lender's published source every business day. Each rate card shows the date it was last confirmed, and rates not re-verified within 7 days are flagged so you always know how fresh a number is.
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 Hawaii in 2026, that limit is $1,249,125. 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?+
Often, yes. Hawaii credit unions frequently post competitive mortgage, HELOC, and savings rates. 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.