Hawaii Mortgage Rates: ASB Reprices Again, FHB ARMs Volatile — April 24, 2026
Published April 24, 2026 · Verified against 8 Hawaii lenders
Today's 30-Year Fixed Rate Snapshot
| Lender | Rate | APR | Points | vs Apr 23 |
|---|---|---|---|---|
| HIFCU | 5.000% | 5.354% | 2.375 | — |
| BOH | 5.750% | 5.925% | 1.875 | -10.2bps |
| HSFCU | 5.875% | 6.051% | 1.875 | -1.2bps |
| ASB | 5.875% | 6.093% | 1.750 | +6.8bps |
| FHB | 5.875% | 6.170% | 2.125 | — |
| CPB | 5.875% | 6.197% | 2.000 | +1.3bps |
| HSFCU | 6.125% | 6.208% | 0.875 | +14.5bps |
Sorted by APR (lowest first). 30-year fixed conforming purchase, 20% down, primary residence. Rates as of April 24, 2026. Changes vs April 23, 2026 (last verified baseline). HIFCU last independently verified Apr 23 (site returned 403 today).
ASB: Three Moves in Four Trading Days
American Savings Bank has now repriced its 30-year fixed mortgage three times in four trading days: down on April 22 (to 5.750%/6.025% APR), up on April 23 as part of a broad bank reprice, and up again today to 5.875%/6.117% APR. The jumbo 30-year also rose sharply — +25bps to 6.000%/6.191% APR.
Today's move adds +9.2bps to ASB's APR. Points actually fell from 2.375 to 2.000 — the rate increase is real, not a points adjustment. ASB now sits exactly tied with FHB on rate (both at 5.875%), but FHB's lower points (2.125 vs 2.000) makes the APR spread narrow: ASB at 6.117% vs FHB at 6.170%.
FHB ARMs: A Day of Whiplash
First Hawaiian Bank's ARM products reversed Wednesday's −12.5bps cut with an equal +12.5bps increase today. The 7/6 ARM is back to 5.250% (APR 6.20%), the 5/6 ARM to 5.125% (APR 6.15%), the 3/6 ARM to 5.000% (APR 6.29%), and the 10/6 ARM to 5.375% (APR 5.99%). The 30-year fixed held steady at 5.875%/6.17%.
Two ARM swings in two days with no net change suggests FHB is closely tracking short-term SOFR/Treasury movements. Buyers considering ARMs should be aware that intraweek volatility is real — a rate lock on an ARM product is especially valuable in this environment.
Credit Unions Hold Steady — Gap Now 76bps
Hawaii State FCU, Pearl Hawaii FCU, and HawaiiUSA FCU all held their rates unchanged. HIFCU's 5.000%/5.354% APR now sits 76 basis points below ASB (the best bank at 6.117% APR), up from 67bps yesterday. On a $750,000 Hawaii mortgage, this translates to roughly $285/month in payment savings — or approximately $103,000 in total interest over 30 years.
HSFCU at 5.875%/6.063% APR (2.000 points) also remains notably better than either FHB or ASB by APR, despite matching them on rate. Credit union membership requirements — HIFCU and HSFCU are both open to most Hawaii residents — are the main barrier; the financial benefit makes the application worthwhile for most buyers.
PHFCU TIS PDF URLs Updated
A technical note for data transparency: Pearl Hawaii FCU's Truth-in-Savings disclosure PDFs moved to a new URL path today (now at wp-content/uploads/2026/03/). We confirmed both the savings TIS (Share Savings 0.10% APY, effective 2/28/2026) and Certificate TIS (8-Month Special 3.65% APY, 12-Month 1.25%) are unchanged. All PHFCU rate entries have been refreshed and verified.
FAQ
What happened to Hawaii mortgage rates on April 24, 2026?
American Savings Bank raised its 30-year fixed rate to 5.875%/6.117% APR on April 24, 2026 — the third rate adjustment in four trading days (down Apr 22, up Apr 23, up Apr 24). First Hawaiian Bank's ARM rates rose +12.5bps across all products, reversing Wednesday's cuts. Bank of Hawaii, Central Pacific Bank, and Hawaii State FCU held their rates unchanged. HawaiiUSA FCU (HIFCU) and Pearl Hawaii FCU rates were not independently verified today due to 403 errors on their websites, but remain at last-confirmed levels (Apr 23 and Apr 24 respectively for PHFCU).
What is the best Hawaii 30-year mortgage rate on April 24, 2026?
HawaiiUSA FCU (HIFCU) remains Hawaii's best 30-year fixed at 5.000%/5.354% APR (2.375 points, membership required — open to most Hawaii residents). Among banks, American Savings Bank and First Hawaiian Bank are tied at 5.875% rate; ASB leads by APR at 6.117% vs FHB's 6.170%. The credit union vs. bank gap has widened to 76 basis points (HIFCU 5.354% vs ASB 6.117% APR).
Why have ASB mortgage rates changed three times this week?
ASB has adjusted its 30-year mortgage rate on April 22 (down), April 23 (up, as part of a broad bank reprice), and April 24 (up again). This reflects continued volatility in the secondary mortgage market, where lenders price off mortgage-backed securities (MBS) yields that can shift daily based on economic data, Treasury auctions, and Fed policy signals. Hawaii's major banks typically reprice 1-2 times per week; three moves in four days is unusually active.
Is now a good time to lock a mortgage rate in Hawaii?
With rates moving almost daily this week, locking sooner rather than later reduces uncertainty. The 67-76bps gap between credit unions (HIFCU at 5.354% APR) and banks (ASB at 6.117% APR) is unusually wide — buyers who qualify for HIFCU or HSFCU membership may want to move quickly before credit unions also reprice. A rate lock prevents further increases, though you'd also lose out if rates fall. Consult your loan officer about float-down options.
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Rate data sourced directly from lender websites on April 24, 2026. HIFCU rates reflect last-verified data (April 23, 2026 — site returned 403 today). APFCU rates reflect last-verified data (April 23, 2026). Rates reflect 30-year fixed conforming purchase with 20% down payment, 720+ FICO, primary residence, 45-day rate lock (30-day for HIFCU). APR includes points and fees. Changes shown vs April 23, 2026. Rates subject to change without notice. Not a lender. Compare all Hawaii mortgage rates →