Data-driven guides and market analysis for Hawaii homebuyers and homeowners
Every Hawaii bank lifted fixed mortgage rates since May 13. ASB led with +25bps on the 30-year (APR 6.269→6.487%); FHB, BOH, and CPB each added ~+12.5bps. HSFCU held its 30-year flat but raised the 15-year +25bps. BOH discontinued its 20-year jumbo and trimmed its HELOC intro to 5.30%. Savings and CDs mostly unchanged.
Read guide →ASB 30yr rises to 5.875%/6.117% APR (+9.2bps) — third move in four days. FHB ARMs +12.5bps, reversing Wednesday's cut. BOH, CPB, HSFCU unchanged. HIFCU holds 5.000%/5.354% APR — 76bps below best bank. Market at highest volatility in months.
Read guide →All 4 major banks raised 30-year fixed rates, reversing the April 17 cuts. BOH jumped +25bps (5.625→5.875%). FHB fixed rose while ARMs fell −12.5bps (rare fixed/ARM divergence). ASB now best bank by APR at 6.025%. HIFCU holds 5.000%/5.354% APR — 67bps ahead of best bank.
Read guide →All 8 Hawaii lenders unchanged on April 19. HIFCU holds best 30-year at 5.000%/5.354% APR; BOH best bank at 5.625%/5.787% APR. Week recap: −12.5bps cut across 4 lenders April 17, HSFCU counter-repriced higher April 18.
Read guide →Hawaii State FCU raised its 15-year fixed rate +12.5bps to 5.125% and bumped 30yr points from 1.500 to 2.000 (APR 6.015%→6.063%), moving counter to the market-wide cut from April 17. All other lenders held flat. HIFCU remains best at 5.000%/5.354% APR.
Read guide →Four Hawaii lenders reversed yesterday's upward pressure with broad −12.5bps cuts. HIFCU breaks the 5% barrier at 5.000%/5.354% APR — its lowest rate on record. BOH drops to 5.625%/5.787% APR, best bank rate in Hawaii. ASB jumbo bucked the trend, rising +12.5bps.
Read guide →ASB repriced 30yr up to 5.875%/6.105% APR. HSFCU 15yr rose +12.5bps. BOH jumbo/15yr repriced higher. HIFCU holds at 5.125%/5.458% APR for a second day — widening the CU vs. bank gap to 47bps on APR.
Read guide →BOH and CPB reversed upward +12.5bps. Meanwhile HawaiiUSA FCU dropped to 5.125%/5.458% APR — Hawaii's best-ever verified 30-year rate. HSFCU 15yr fell −12.5bps to 5.000%. Classic bank vs. credit union divergence.
Read guide →Bank of Hawaii dropped to 5.625%/5.810% APR — Hawaii's lowest bank 30-year rate. CPB and ASB also fell −12.5bps to 5.750%. FHB points at 2026 low (1.875). BOH has now dropped 37.5bps in 6 days.
Read guide →Bank of Hawaii dropped 30-year fixed −12.5bps to 5.750%/5.937% APR and cut all ARM products. HSFCU dropped −12.5bps to 5.875%/6.063% APR (low-pts −25bps). CPB 15yr rose +12.5bps against the trend.
Read guide →Bank of Hawaii fully reversed its April 9 drops, raising 30-year fixed +12.5bps to 5.875%/6.016% APR. FHB, CPB, and ASB held rates but raised points. Tariff-pause Treasury rally drove the reversal. HawaiiUSA FCU still leads at 5.250%/5.574% APR.
Read guide →Five Hawaii lenders cut 30-year fixed rates on April 8 — the biggest single-day move in weeks. All four major banks and HSFCU dropped rates, with HSFCU reversing its two-day hike streak with a -25bps cut. All four banks now converge at 5.875%. HawaiiUSA FCU holds the best conforming 30yr at 5.250%/5.574% APR.
Read guide →All 8 Hawaii lenders held mortgage rates flat on April 5 — no changes to rates, APRs, or points. The market pauses after Hawaii State FCU's two-day hike streak. HawaiiUSA FCU remains the best conforming 30yr at 5.250%/5.621% APR. BOH leads banks at 5.875%/6.051% APR.
Read guide →Hawaii State FCU raised its 30-year fixed rate again — up 12.5bps to 6.125%/6.280% APR (1.625 points). It's the second consecutive daily increase from HSFCU, moving it above all four major banks. All banks held flat. HawaiiUSA FCU leads at 5.250%/5.621% APR — now 87.5bps below HSFCU.
Read guide →After two days of declines, Hawaii mortgage rates reversed sharply on April 3. ASB's 30yr rate jumped 12.5bps to 6.000%. BOH, HSFCU, and HawaiiUSA FCU raised points 0.125–0.250. CPB raised both 30yr points (+0.250) and 15yr rate (+12.5bps to 5.250%). HawaiiUSA FCU still holds Hawaii's best at 5.250%/5.621% APR. Only FHB held flat.
Read guide →BOH cut points on all products (30yr to 1.75, 15yr to 0.875, all ARMs to 1.75). FHB, HSFCU, and HawaiiUSA FCU also trimmed points. CPB's 15yr rate dropped 12.5bps to 5.125%/5.665% APR. ASB jumbo rose 12.5bps to 6.125%. HawaiiUSA FCU holds Hawaii's best at 5.250%/5.597% APR.
Read guide →A split market on March 31: BOH, HSFCU, ASB, FHB, and CPB all cut 30yr rates 12.5bps. HawaiiUSA FCU bucked the trend, raising 12.5bps to 5.375%/5.701% APR — but still holds Hawaii's best conforming 30yr. BOH now leads the banks at 5.875%/6.051% APR. HSFCU 30yr drops to 5.750%.
Read guide →Six of eight Hawaii lenders cut mortgage rates on March 30, 2026. BOH dropped all products 12.5bps (30yr now 6.000%/6.153% APR). CPB reversed its March 27 hike with a 25bps cut to 6.000%. HawaiiUSA FCU's 30yr fell to 5.250%/5.633% APR — the best verified conforming 30yr in Hawaii. HSFCU's 15yr dropped 25bps to 5.250%.
Read guide →HawaiiUSA FCU's 15-year fixed jumped 37.5bps to 4.500% (5.267% APR) on March 27 — the largest single-day move tracked this month. CPB raised its 30-year to 6.250% (6.569% APR), now Hawaii's most expensive tracked bank. BOH quietly added points without changing its rate. Despite the surge, HIFCU's 15-year remains Hawaii's best.
Read guide →Six of eight Hawaii lenders raised mortgage rates on March 26, reversing yesterday's cuts. Bank of Hawaii jumped +25bps to 6.125%. FHB, CPB, ASB, HSFCU all up +12.5bps. HawaiiUSA FCU bucked the trend — 15-year now 4.125% (4.681% APR), best in Hawaii. Pearl Hawaii FCU cut HELOC intro rate 75bps to 4.50%.
Read guide →First Hawaiian Bank and Bank of Hawaii both raised all mortgage products 12.5bps on March 24, reversing yesterday's partial recovery. HawaiiUSA FCU bucked the trend, cutting its 15-year fixed to 4.375% (4.935% APR) — now the best 15-year rate in Hawaii.
Read guide →Bank of Hawaii and Hawaii State FCU each cut their 30-year fixed rate by 12.5bps on March 23, partially reversing last week's increases. FHB and ASB kept rates flat but reduced points. CPB's 15-year ticked up. Five of 8 lenders adjusted today.
Read guide →Hawaii State FCU raised its 30-year fixed +12.5bps to 6.000% on March 21, matching all four major banks. Pearl Hawaii FCU and Aloha Pacific FCU still hold at 5.000% — the spread is now nearly 100 bps.
Read guide →Six of eight tracked Hawaii lenders raised mortgage rates on March 20 — the broadest single-day move on record. FHB, ASB, and HawaiiUSA FCU joined BOH, CPB, and HSFCU in moving higher. Aloha Pacific and Pearl Hawaii held firm.
Read guide →Central Pacific Bank cut its 30-year fixed to 5.750% (6.093% APR) and 15-year to 5.000% today. Bank of Hawaii also lowered HELOC intro rates by 15 bps. Here's what changed and what it means.
Read guide →First Hawaiian Bank, Bank of Hawaii, and American Savings Bank all lowered mortgage rates today. BOH's 30-year fixed dropped to 5.625% (5.787% APR). Here's what changed and what it means for your monthly payment.
Read guide →What does an $800K home really cost? We break down monthly payments, total interest, closing costs, property taxes, and insurance using real rates from 8 local lenders.
Read guide →Hawaii's 2026 FHA loan limit is $1,249,125 for a single-family home — the national ceiling. Learn FHA limits by property type, mortgage insurance costs, condo requirements, and how to qualify.
Read guide →With rates stabilizing in the mid-5s, homeowners who borrowed at 7%+ in 2023-2024 should be running the numbers. Current refinance rates from 8 Hawaii lenders, plus a break-even calculator.
Read guide →Four of five remaining Hawaii lenders raised 30-year +12.5bps to 6.125% on May 12, fully reversing yesterday's mixed moves. FHB APR 6.30→6.42%; CPB 6.325→6.441%; ASB 6.232→6.359%; HSFCU 6.177→6.292%. BOH held headline rate but added 0.25 points (APR 6.039→6.063%). HawaiiUSA FCU entries removed today after failing all three verification tiers. Savings/CDs/HELOCs unchanged.
Hawaii rate whipsaw on May 11: BOH & ASB reversed Sunday's −12.5bps cut, walking 30-year fixed back to 5.875% (APR 6.039%) and 6.000% (APR 6.232%). HSFCU bucked the trend with a 15-year drop to 5.125%/5.434% APR — now Hawaii's best verified 15-year. FHB/CPB minor point bumps. Savings, CDs, HELOCs unchanged. HIFCU still Cloudflare-blocked (day 13/14).
Bank of Hawaii and American Savings Bank both cut 30-year fixed −12.5bps on May 10, partially reversing the May 8 uptick. BOH now 5.750%/5.937% APR — lowest verified bank. ASB 5.875%/6.129% APR; 15-year dropped to 5.000%. FHB trimmed points (APR 6.28%). CPB unchanged. Savings, CDs, and HELOC rates unchanged across all lenders.
Every Hawaii bank raised conforming mortgage rates this week. FHB +25bps to 6.125%/6.41% APR; BOH/CPB/ASB/HSFCU all moved the 30-year to 6.000%. ASB and FHB pushed ARMs higher. FHB cut HELOC promo rates 35bps — the only easing today. ASB 6-month CD Special trimmed 10bps to 2.75%.
BOH fully reversed Friday's −12.5bps cut, raising all 9 mortgage products. HIFCU 30-year jumped +25bps to 5.250%/5.597% APR — its first major mortgage move in weeks. HSFCU 30yr +12.5bps. FHB, CPB, ASB raised points across fixed products. CU advantage narrows from 67bps to ~43bps.
Hawaii State FCU raised its 30-year fixed +12.5bps to 6.000%/6.177% APR on April 11 — now above all four major Hawaii banks at 5.875%. HawaiiUSA FCU holds Hawaii's best at 5.250%/5.574% APR. All other lenders unchanged.
Hawaii State FCU reversed two weeks of cuts with a sharp 25bps hike to 6.000%/6.177% APR. HawaiiUSA FCU dropped 12.5bps to 5.250%/5.621% APR — now Hawaii's best verified conforming 30yr. ASB also cut to 5.875%. CPB's CD special fell to 3.00% APY.
Five of eight tracked Hawaii lenders cut mortgage rates on March 25, partially reversing last week's broad increases. FHB's 30-year dropped to 6.000% (6.310% APR), BOH to 5.875% (6.063% APR), and HawaiiUSA FCU's 15-year hit a new low at 4.250% (4.881% APR).
Everything Hawaii first-time buyers need: HHFDC down payment assistance, FHA and VA loan options, step-by-step buying guide, and how to find the best mortgage rate in Hawaii's high-cost market.
Credit unions continue to undercut big banks on 30-year fixed rates. HSFCU and HawaiiUSA FCU both offer competitive APRs this month, while the Big Four banks hold competitive rates across fixed and ARM products.
Hawaii's conforming loan limit for 2026 is $1,249,125 — one of the highest in the nation. Here's what that means for your home purchase and how to avoid jumbo loan pricing.
Our data shows Hawaii credit unions offer 15-25 basis points lower rates on average compared to the Big Four banks. But that's not the whole story.
With Hawaii home values holding strong, many homeowners are sitting on significant equity. Here's how to access it strategically through local HELOC options.