808Rates
Hawaii State Federal Credit Union

Hawaii State Federal Credit Union rates

NCUA InsuredLast checked Oct 2, 2026

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

Open to most Hawaii residents · Check eligibility

How Hawaii State FCU 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
7.062% APR · 2nd lowest of 7 (30-Year Fixed)
15-year fixed
6.277% APR · 2nd lowest of 7 (15-Year Fixed)
HELOC (variable APR after intro)
6.50% APR · 2nd lowest of 7 (HELOC up to 80% LTV (2-yr intro))
Savings
0.05% APY · 7th highest of 9 (Regular Share)
CD / certificate
4.50% APY · highest of 8 (9-Month Term Share)

Mortgage rates

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15-Year Fixed
Rate
6.000%
APR
6.277%
Points
1.75
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · sourceConditions: A limited-time 1.50% discount promotion is reflected in the displayed rates. APR based on a $100,000 loan.
15-Year Fixed (Low Points)
Rate
6.250%
APR
6.369%
Points
0.75
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · sourceConditions: A limited-time 1.50% discount promotion is reflected in the displayed rates. APR based on a $100,000 loan.
30-Year Fixed
Rate
6.875%
APR
7.062%
Points
1.875
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · sourceConditions: A limited-time 1.50% discount promotion is reflected in the displayed rates; APR includes a limited-time one-point origination discount. APR based on a $100,000 loan.
30-Year Fixed (Low Points)
Rate
7.125%
APR
7.226%
Points
1
Checked Oct 2, 2026Lender's page dated Oct 2, 2026 · sourceConditions: A limited-time 1.50% discount promotion is reflected in the displayed rates; APR includes a limited-time one-point origination discount. APR based on a $100,000 loan.

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.

HELOC up to 80% LTV (2-yr intro)
Intro APR
5.250%
Variable APR
6.50%
Max line
$399,900
Checked Oct 2, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
HELOC up to 80% LTV (3-yr intro)
Intro APR
5.300%
Variable APR
6.50%
Max line
$399,900
Checked Oct 2, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
HELOC up to 80% LTV (4-yr intro)
Intro APR
5.500%
Variable APR
6.50%
Max line
$399,900
Checked Oct 2, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
HELOC up to 80% LTV (5-yr intro)
Intro APR
5.500%
Variable APR
6.50%
Max line
$399,900
Checked Oct 2, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.

Savings accounts

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Regular Share
APY
0.05%
Minimum
$20
Term
—
Checked Oct 2, 2026Lender's page dated Sep 30, 2026 · source

Certificates

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9-Month Term Share
APY
4.50%
Minimum
$1,000
Term
9 months
Checked Oct 2, 2026Lender's page dated Oct 1, 2026 · sourceConditions: All funds must come from another financial institution; $1,000 minimum; $250,000 maximum per member, per term.
13-Month Term Share
APY
3.35%
Minimum
$1,000
Term
13 months
Checked Oct 2, 2026Lender's page dated Oct 1, 2026 · source

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