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LFCU

Lokahi Federal Credit Union rates

NCUA InsuredLast checked Oct 3, 2026

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

For people who live, work, worship or attend school on Oahu · Check eligibility

How Lokahi 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
7.288% APR · 5th lowest of 10 (30-Year Fixed)
15-year fixed
4.890% APR · lowest of 10 (15-Year Fixed (up to 80% LTV))
HELOC (variable APR after intro)
7.03% APR · 5th lowest of 10 (HELOC up to 80% LTV (24-mo intro))
Savings
2.50% APY · 2nd highest of 12 (Secure+ Money Market ($1,000,000+))
CD / certificate
2.75% APY · 10th highest of 10 (12–17 Month Principal Plus Certificate)

Mortgage rates

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20-Year Fixed (up to 80% LTV)
Rate
4.500%
APR
4.806%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
15-Year Fixed (up to 80% LTV)
Rate
4.500%
APR
4.890%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
15-Year Fixed (up to 80% LTV, No Points)
Rate
4.875%
APR
4.970%
Points
None
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
5/6 ARM
Rate
6.250%
APR
6.613%
Points
1.625
Checked Oct 3, 2026Lender's page dated Oct 2, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
7/6 ARM
Rate
6.375%
APR
6.741%
Points
1.625
Checked Oct 3, 2026Lender's page dated Oct 2, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
10/6 ARM
Rate
6.500%
APR
6.869%
Points
1.625
Checked Oct 3, 2026Lender's page dated Oct 2, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Fixed
Rate
6.875%
APR
7.288%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 2, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Fixed (Low Points)
Rate
7.000%
APR
7.392%
Points
1.75
Checked Oct 3, 2026Lender's page dated Oct 2, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Jumbo Fixed
Rate
7.125%
APR
7.544%
Points
2
Checked Oct 3, 2026Lender's page dated Oct 2, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.

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 (24-mo intro)
Intro APR
4.990%
Variable APR
7.03%
Max line
$400,000
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HELOC up to 80% LTV (36-mo intro)
Intro APR
5.240%
Variable APR
7.03%
Max line
$400,000
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HELOC up to 80% LTV (60-mo intro)
Intro APR
5.490%
Variable APR
7.03%
Max line
$400,000
Checked Oct 3, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.

Savings accounts

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Secure+ Money Market ($1,000,000+)
APY
2.50%
Minimum
$1,000,000
Term
—
Checked Oct 3, 2026Lender's page dated Aug 3, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
Secure+ Money Market ($250,000–$499,999.99)
APY
1.50%
Minimum
$250,000
Term
—
Checked Oct 3, 2026Lender's page dated Aug 3, 2026 · sourceConditions: Higher tiers: 2.00% APY at $500,000–$999,999.99; 2.50% at $1,000,000+. Balances under $250,000 earn 0.30%. Membership required: people who live, work, worship or attend school on Oahu.
Regular Savings
APY
0.10%
Minimum
$5
Term
—
Checked Oct 3, 2026Lender's page dated Oct 1, 2025 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.

Certificates

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12–17 Month Principal Plus Certificate
APY
2.75%
Minimum
$500
Term
12 months
Checked Oct 3, 2026Lender's page dated Jun 1, 2025 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
6–11 Month Principal Plus Certificate
APY
1.50%
Minimum
$500
Term
6 months
Checked Oct 3, 2026Lender's page dated Jun 1, 2025 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.

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