HIFICU

Hawaiian Financial Federal Credit Union rates

NCUA InsuredLast checked Oct 3, 2026

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

For people who live, work, worship or go to school on Oahu or in Maui County · Check eligibility

How Hawaiian Financial 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: 7.061% APR · 2nd lowest of 10 (30-Year Fixed)
15-year fixed: 6.537% APR · 4th lowest of 10 (15-Year Fixed)
HELOC (variable APR after intro): 7.00% APR · 4th lowest of 10 (Home Equity Line of Credit)
Savings: 1.50% APY · 6th highest of 12 (VIP Money Market ($100,000+))
CD / certificate: 4.25% APY · 3rd highest of 10 (9-Month Share Certificate)

Mortgage rates

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15-Year Fixed

Rate

6.125%

APR

6.537%

Points

1.875

Checked Oct 3, 2026Lender's page dated Sep 24, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

15-Year Fixed (Low Points)

Rate

6.375%

APR

6.670%

Points

1.125

30-Year Fixed

Rate

6.750%

APR

7.061%

Points

2.375

30-Year Fixed (Low Points)

Rate

7.000%

APR

7.201%

Points

1.25

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 of Credit

Intro APR

None

Variable APR

7.00%

Max line

$200,000

Checked Oct 3, 2026Lender's page dated Jul 17, 2026 · sourceConditions: Variable: one-year Treasury index plus 3.00%, reviewed quarterly, 18.00% APR cap. Fee-simple, owner-occupied Hawaii property; line up to the lesser of $200,000 or 70% combined LTV. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

Savings accounts

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VIP Money Market ($100,000+)

APY

1.50%

Minimum

$100,000

Term

—

Checked Oct 3, 2026Lender's page dated Sep 21, 2026 · sourceConditions: Lower tiers: 1.00% APY at $50,000–$99,999.99; 0.35% at $5,000–$49,999.99. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

Share Account

APY

0.10%

Minimum

Term

—

Checked Oct 3, 2026Lender's page dated Sep 21, 2026 · sourceConditions: $5 to open; $100 minimum average daily balance to avoid service fees. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

Certificates

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9-Month Share Certificate

APY

4.25%

Minimum

$2,000

Term

9 months

Checked Oct 3, 2026Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

36-Month Share Certificate

APY

2.75%

Minimum

$500

Term

36 months

Checked Oct 3, 2026Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

24-Month Share Certificate

APY

2.50%

Minimum

$500

Term

24 months

Checked Oct 3, 2026Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

12-Month Share Certificate

APY

2.00%

Minimum

$500

Term

12 months

Checked Oct 3, 2026Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

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