Hawaii Mortgage Rates Hold Steady — April 19, 2026
Published April 19, 2026 · Verified against 8 Hawaii lenders
Today's 30-Year Fixed Rate Snapshot
| Lender | Rate | APR | Points |
|---|---|---|---|
| HIFCU | 5.000% | 5.354% | 2.375 |
| BOH | 5.750% | 5.925% | 1.875 |
| HSFCU | 5.875% | 6.051% | 1.875 |
| ASB | 5.875% | 6.093% | 1.750 |
| FHB | 5.875% | 6.170% | 2.125 |
| CPB | 5.875% | 6.197% | 2.000 |
| HSFCU | 6.125% | 6.208% | 0.875 |
Sorted by APR (lowest first). 30-year fixed conforming purchase, 20% down, primary residence. Rates as of April 19, 2026.
Market Context: A Volatile Week
After a quiet start to the month, Hawaii mortgage rates saw significant movement this week. On April 17, four lenders — FHB, BOH, ASB, and HIFCU — cut their 30-year conforming rates by −12.5bps, with HIFCU breaking the symbolic 5% barrier for the first time this year at 5.000%/5.354% APR. The move tracked falling 10-year Treasury yields driven by trade uncertainty.
On April 18, Hawaii State FCU moved in the opposite direction. HSFCU raised its 15-year rate from 5.000% to 5.125% (+12.5bps) and increased 30-year points from 1.500 to 2.000, lifting the 30-year APR from 6.015% to 6.063%. Credit union rate-setting is independent of bank pricing cycles, and HSFCU has shown more volatility than peers this month.
April 19 brought no further changes. The current spread between the best credit union rate (HIFCU 5.354% APR) and the best bank rate (BOH 5.787% APR) stands at 43 basis points — a meaningful gap for Hawaii buyers considering credit union membership.
Credit Union vs. Bank: The 43bps Gap
On a $750,000 Hawaii mortgage — near the median purchase price in Honolulu — a 43bps APR difference translates to roughly $160/month in savings over 30 years (or ~$57,600 total). For buyers who qualify for HIFCU membership (open to most Hawaii residents), the math strongly favors exploring the credit union route before committing to a bank.
HIFCU requires a 30-day rate lock vs. the 45-day lock most banks use — factor this into your closing timeline. Points are also higher at 2.375 vs. BOH's 1.750, so the break-even depends on how long you plan to keep the loan.
FAQ
What happened to Hawaii mortgage rates on April 19, 2026?
All 8 tracked Hawaii lenders — FHB, BOH, CPB, ASB, HSFCU, APFCU, PHFCU, and HIFCU — held their rates unchanged on April 19, 2026. No institution moved rates. The most recent changes were a broad −12.5bps cut on April 17 (FHB, BOH, ASB, HIFCU) followed by HSFCU repricing higher +12.5bps on April 18.
What is the best Hawaii 30-year mortgage rate on April 19, 2026?
HawaiiUSA FCU (HIFCU) offers the best verified 30-year fixed rate in Hawaii at 5.000%/5.354% APR (2.375 points, membership required). Among banks, Bank of Hawaii is lowest at 5.625%/5.787% APR (1.750 points). Central Pacific Bank and First Hawaiian Bank are both at 5.750% rate with APRs of 6.080% and 6.050% respectively.
What has driven Hawaii mortgage rate changes this week?
April 17 saw a broad market-wide cut of −12.5bps from FHB, BOH, ASB, and HIFCU, driven by falling 10-year Treasury yields. HIFCU broke the 5% barrier that day at 5.000%/5.354% APR. On April 18, Hawaii State FCU (HSFCU) bucked the trend with a +12.5bps reprice on its 15-year rate and a points increase on its 30-year, raising its 30yr APR from 6.015% to 6.063%. April 19 saw no further changes.
Is HIFCU's 5.000% rate available to everyone?
HawaiiUSA Federal Credit Union requires membership to access its rates. Membership is open to most Hawaii residents. The 5.000% rate (5.354% APR) assumes a 30-day rate lock, 20% down payment, and owner-occupied primary residence. Points of 2.375% apply. Contact HIFCU directly to confirm current eligibility and lock terms.
Get emailed when Hawaii 30-yr fixed rates drop below your target.
Rate data sourced directly from lender websites on April 19, 2026. Rates reflect 30-year fixed conforming purchase with 20% down payment, 720+ FICO, primary residence, 30-day rate lock. APR includes points and fees. Rates subject to change without notice. Not a lender. Compare all Hawaii mortgage rates →