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HNB

Hawaii National Bank rates

FDIC InsuredLast checked Oct 3, 2026

Today's posted mortgage, HELOC and savings rates from Hawaii National Bank, copied from its own website and checked every business day. 808rates is independent and not affiliated with Hawaii National; no lender pays to be listed or ranked. Hawaii National website

How Hawaii National compares

Each lender's best posted rate in each category, among the lenders we track that post one. Rates may carry conditions (membership, credit tier, balance, island); see each row below.

30-year fixed
7.545% APR · 10th lowest of 10 (30-Year Fixed)
15-year fixed
7.032% APR · 10th lowest of 10 (15-Year Fixed)
HELOC (variable APR after intro)
7.88% APR · 8th lowest of 10 (Home Equity Line (24-mo intro))
Savings
0.07% APY · 9th highest of 12 (Savings)

Mortgage rates

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15-Year Fixed
Rate
6.375%
APR
7.032%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.
7-Year Adjustable (ARM)
Rate
6.375%
APR
7.200%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.
30-Year Jumbo Fixed
Rate
7.250%
APR
7.503%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center, for loan amounts greater than $1,249,125.
30-Year Fixed
Rate
7.125%
APR
7.545%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.

Home equity lines (HELOC)

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Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.

Home Equity Line (24-mo intro)
Intro APR
5.580%
Variable APR
7.88%
Max line
$400,000
Checked Oct 3, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
Home Equity Line (36-mo intro)
Intro APR
5.680%
Variable APR
7.88%
Max line
$400,000
Checked Oct 3, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
Home Equity Line (48-mo intro)
Intro APR
5.780%
Variable APR
7.88%
Max line
$400,000
Checked Oct 3, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.

Savings accounts

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Savings
APY
0.07%
Minimum
$100
Term
—
Checked Oct 3, 2026Lender's page dated Jan 1, 2026 · sourceConditions: $100 to open and to earn interest.

Other Hawaii lenders we track

Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates