Broad +12.5bps Reversal Across Hawaii; HawaiiUSA FCU Removed — May 12, 2026
Published May 12, 2026 · Verified against 6 Hawaii lenders
Today's 30-Year Fixed Rate Snapshot
| Lender | Rate | APR | Points | vs May 11 |
|---|---|---|---|---|
| BOH | 5.875% | 6.063% | 2.000 | +2.4bps |
| HSFCU | 6.125% | 6.292% | 1.750 | +11.5bps |
| ASB | 6.125% | 6.359% | 1.875 | +12.7bps |
| FHB | 6.125% | 6.420% | 2.125 | +12.0bps |
| CPB | 6.125% | 6.441% | 1.875 | +11.6bps |
Sorted by APR (lowest first). 30-year fixed conforming purchase, 20% down, primary residence. Rates as of May 12, 2026. Changes vs May 11, 2026 (last verified baseline). HawaiiUSA FCU entries removed today — see below.
Four Banks Raise 30-Year +12.5bps Back to 6.125%
FHB, CPB, ASB, and HSFCU all moved their 30-year conforming fixed rate from 6.000% back up to 6.125% today, fully reversing yesterday's mixed declines. The APR impacts were broadly similar — between +11.5bps and +11.6bps depending on point adjustments. FHB kept points at 2.125, taking APR 6.30% → 6.42%. CPB trimmed points 2.000 → 1.875, APR 6.325% → 6.441%. ASB held points at 1.875, APR 6.232% → 6.359%. HSFCU trimmed points 1.875 → 1.750, APR 6.177% → 6.292%. The 15-year fixed moves were mixed: FHB and ASB held 15-yr rates at 5.250% / 5.125% respectively but increased points (FHB 2.250 → 2.500, ASB 1.875 → 2.250); CPB and HSFCU lifted 15-yr rates 5.125% → 5.250% and trimmed points.
BOH took a different path: the 30-year headline rate held at 5.875%, but points moved 1.750 → 2.000 — net APR 6.039% → 6.063% (+2.4bps). BOH's 20-year jumbo did move +12.5bps in rate (5.750% → 5.875%, APR 5.905% → 6.015%), and VA 30-year also moved +12.5bps (5.625% → 5.750%, APR 6.147% → 6.201%). All three BOH ARM products held rate but added 0.25 points. The pattern across BOH suggests a lender that wanted to keep its conforming headline number unchanged for marketing purposes while still raising effective pricing through point buy-downs.
HawaiiUSA FCU Entries Removed Today
We removed all HawaiiUSA FCU (HIFCU) entries from 808rates today. Here's the full picture so anyone shopping HIFCU mortgages knows what happened.
Our verification policy requires every published rate to be re-checked against the lender's primary source within 14 days. We try three tiers in order: (1) static HTML page via WebFetch, (2) lender PDF disclosure (Truth-in-Savings, Truth-in-Lending), (3) headless browser navigation. For the past two weeks, all three have failed for hawaiiusafcu.com: the site's Cloudflare layer challenges every automated reader we've tried (Chrome user-agent, Bingbot, Googlebot, curl variants). HIFCU does not publish PDF rate sheets; their rates live exclusively on the JavaScript-rendered /resources/planning-tools/rates-fees pages. Our last successful direct verification was April 28, 2026 — exactly 14 days ago.
Today we crossed the 14-day floor. A separate Bing site:search confirmed HIFCU has republished rates since our last verification, with values that diverge materially from our cached entries: Bing's indexed snippet shows 30-year fixed at 5.625% / 5.873% APR / 1.125 points (lender effective March 18, 2026) vs our cached 5.250% / 5.597% APR / 2.250 points. The Bing snippet is not itself a primary-source verification, but the gap is large enough that silently carrying our cached numbers forward would actively mislead users. So we removed.
This is the same playbook that triggered our PHFCU mortgage removal in April (when their mortgage page broke our scraper) and our APFCU full removal in early May (when alohapacific.com began blocking all bot UAs). If you're actively shopping HawaiiUSA FCU, call them at (808) 534-4300 or visit hawaiiusafcu.com — they remain a legitimate open-eligibility Hawaii credit union, and our removal is about our verification capacity, not their pricing. We'll restore HIFCU data here as soon as a reliable scraping path is available.
Savings, CDs, and HELOCs Unchanged
No deposit or home-equity products moved today across the six Hawaii lenders we still verify. The leaders remain: PHFCU 8-month Certificate at 3.65% APY ($1,000 min, lender-effective February 28, 2026 per Truth-in-Savings PDF), Bank of Hawaii Bankohana Savings Special at 3.15% APY for 90 days ($25,000 minimum, new money), BOH 6-month Bankohana CD and FHB 6-month online CD both at 3.05% APY. HELOC leaders: PHFCU 4.50% intro for 36 months, then HSFCU at 5.25% intro / 6.50% variable, ASB at 5.55% intro / 6.75% variable.
One small correction worth flagging: Hawaii State FCU's personal loan page now publishes discrete 1-year / 3-year / 5-year rates (8.50% / 9.00% / 9.99%) where it previously showed a wider range. We adjusted our displayed APR high-end 11.00% → 9.99% to match the lender's current 5-year rate.
What This Means for Hawaii Buyers
Net across the past five business days, Hawaii bank 30-year rates are essentially flat — we've had two −12.5bps moves and two +12.5bps moves cancel out, plus a few point-shift days. The current best verified APRs are BOH 6.063%, HSFCU 6.292%, ASB 6.359%, FHB 6.42%, CPB 6.441%. BOH's margin is real (23–38bps cheaper than the rest), but BOH's 2.000 points is the highest in the set. If you don't want to pay buy-down points, HSFCU at 1.750 points / 6.292% APR is the better cash-out-of-pocket option.
Two structural facts that haven't changed: (1) Hawaii State FCU's 15-year fixed at 5.541% APR is the cheapest mortgage on the board if you can support the payment — call it 75bps cheaper than the best 30-year. (2) Credit-union membership at HSFCU is open to most Hawaii residents — eligibility is not the bottleneck most buyers think it is. See our CU vs bank breakdown.
FAQ
What is the best Hawaii 30-year mortgage rate on May 12, 2026?
Bank of Hawaii has the lowest 30-year APR at 5.875% rate / 6.063% APR (2.000 points). Hawaii State FCU is next at 6.125% / 6.292% APR (1.750 points). American Savings Bank: 6.125% / 6.359% APR (1.875 points). First Hawaiian Bank: 6.125% / 6.42% APR (2.125 points). Central Pacific Bank: 6.125% / 6.441% APR (1.875 points). All five lenders raised conforming rates today; BOH held its headline rate but added 0.25 points to keep economics consistent. The 38bp spread between best and worst APR is roughly in line with the prior two weeks.
Why did HawaiiUSA FCU (HIFCU) get removed from 808rates today?
Our policy requires every published rate to be re-verified within 14 days against the lender's primary source. HawaiiUSA FCU's website (hawaiiusafcu.com) has been protected by a Cloudflare JavaScript challenge that blocks our automated reads (WebFetch returns 403, Chrome MCP navigation is denied, and there are no public PDF disclosures we can read as a fallback). HIFCU's last successful direct verification was April 28, 2026 — exactly 14 days ago today. A Bing site:search confirmed that HIFCU has republished rate changes since (lender effective March 18 in current cache), with values that diverge materially from our cached entries (30-year at 5.625%/5.873%/1.125 points vs our cached 5.250%/5.597%/2.250 points). Rather than silently carry stale-and-likely-wrong data forward — the failure pattern that caused our PHFCU and APFCU corrections earlier this quarter — we removed all HIFCU entries today. We will re-add HIFCU once a reliable scraping path is restored.
Should I still consider HawaiiUSA FCU for a mortgage?
Yes — HIFCU remains an open-eligibility credit union for Hawaii residents and has historically had some of the lowest rates on the island. Removing them from our daily-verified board does not mean their rates are bad; it means we cannot stand behind specific numbers right now. If you're shopping for a mortgage and HIFCU could plausibly be your lender, call them at (808) 534-4300 or visit hawaiiusafcu.com directly to get current pricing. Compare what they quote you against the verified rates on our board to make sure you're seeing a real advantage. We'll restore HIFCU's data here as soon as we can scrape it reliably again.
Did savings, CD, or HELOC rates move on May 12?
No. Every savings, CD, and HELOC rate we still track held unchanged between May 11 and May 12. The leaders remain: PHFCU 8-month Certificate at 3.65% APY ($1,000 min, lender-effective February 28, 2026), Bank of Hawaii Bankohana Savings Special at 3.15% APY for 90 days ($25,000 minimum, new money), BOH 6-month Bankohana CD at 3.05% APY, and FHB 6-month online CD at 3.05% APY. HELOC: PHFCU's 4.50% intro for 36 months remains Hawaii's lowest, followed by HSFCU at 5.25% intro / 6.50% variable, and ASB at 5.55% intro / 6.75% variable. Personal loan: Hawaii State FCU's published 5-year rate firmed at 9.99% APR (vs our prior 11.00% high-end estimate); their 1-year rate stays at 8.50%.
Should Hawaii buyers lock now or wait?
The May 8–12 chop — rates down −12.5bps, partially reversed, then today fully reversed back +12.5bps — is exactly the kind of intra-week noise that doesn't justify timing decisions. Net of the round trip, Hawaii bank 30-year rates are essentially flat over the past week, sitting in a tight 6.06–6.44% APR band. If you're shopping a 30-year, BOH at 6.063% APR is the cheapest verified bank rate today; HSFCU at 6.292% wins on points (1.750 vs BOH's 2.000) if you'd rather not pay buy-down. The bigger structural decisions: do you qualify for a credit union, and can you support a 15-year payment? Hawaii State FCU's 15-year at 5.541% APR is meaningfully cheaper than any 30-year on the board.
Get emailed when Hawaii 30-yr fixed rates drop below your target.
Rate data sourced directly from lender websites and disclosure PDFs on May 12, 2026. Rates reflect 30-year fixed conforming purchase with 20% down payment, 720+ FICO, primary residence, 45-day rate lock. APR includes points and fees. Changes shown vs May 11, 2026 close. HawaiiUSA FCU entries removed today — failed all three verification tiers (WebFetch 403, no public PDF, Chrome MCP blocked) and Bing-indexed lender values diverged materially from cached data. Aloha Pacific FCU entries remain removed (last verified April 23; alohapacific.com fully bot-blocked). Rates subject to change without notice. Not a lender. Compare all Hawaii mortgage rates →