UHFCU
University of Hawaii Federal Credit Union rates
NCUA InsuredLast checked Oct 2, 2026
Today's posted mortgage, HELOC and savings rates from University of Hawaii Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with UH FCU; no lender pays to be listed or ranked. UH FCU website
For UH faculty, staff, students and alumni, and certain other groups · Check eligibility
How UH 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.
- HELOC (variable APR after intro)
- 7.25% APR · 4th lowest of 7 (Home Equity Line (2-yr fixed intro))
- Savings
- 2.00% APY · 4th highest of 9 (Stack Up Savings ($500,000+))
Mortgage rates
Compare all lenders →15/15 ARMNot ranked · no lender date
Rate
6.000%
APR
6.246%
Points
2
Checked Oct 1, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
15-Year FixedNot ranked · no lender date
Rate
6.000%
APR
6.411%
Points
2
Checked Oct 1, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
5/5 ARMNot ranked · no lender date
Rate
5.500%
APR
6.574%
Points
2
Checked Oct 1, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
20-Year FixedNot ranked · no lender date
Rate
6.375%
APR
6.710%
Points
2
Checked Oct 1, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
5/1 ARMNot ranked · no lender date
Rate
5.500%
APR
6.723%
Points
2
Checked Oct 1, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
30-Year FixedNot ranked · no lender date
Rate
6.500%
APR
6.757%
Points
2
Checked Oct 1, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Home equity lines (HELOC)
Compare all lenders →Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Home Equity Line (2-yr fixed intro)
Intro APR
5.250%
Variable APR
7.25%
Max line
See lender
Checked Oct 2, 2026Lender's page dated Jul 20, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Home Equity Line (3-yr fixed intro)
Intro APR
5.500%
Variable APR
7.25%
Max line
See lender
Checked Oct 2, 2026Lender's page dated Jul 20, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Home Equity Line (5-yr fixed intro)
Intro APR
5.750%
Variable APR
7.25%
Max line
See lender
Checked Oct 2, 2026Lender's page dated Jul 20, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Savings accounts
Compare all lenders →Stack Up Savings ($500,000+)
APY
2.00%
Minimum
$500,000
Term
—
Checked Oct 2, 2026Lender's page dated Nov 1, 2022 · sourceConditions: Membership required: UH faculty, staff, students and alumni, and certain other groups.
Stack Up Savings ($50,000–$99,999)
APY
1.25%
Minimum
$50,000
Term
—
Checked Oct 2, 2026Lender's page dated Nov 1, 2022 · sourceConditions: Higher tiers: 1.50% APY at $100,000–$249,999; 1.75% at $250,000–$499,999; 2.00% at $500,000+. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Warrior Savings (up to $50,000)
APY
1.00%
Minimum
$500
Term
—
Checked Oct 2, 2026Lender's page dated Nov 1, 2022 · sourceConditions: $500 to open. The portion of the balance over $50,000 earns 0.07% APY. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Savings
APY
0.07%
Minimum
$100
Term
—
Checked Oct 2, 2026Lender's page dated Nov 1, 2022 · sourceConditions: Membership required: UH faculty, staff, students and alumni, and certain other groups.
Other Hawaii lenders we track
- First Hawaiian Bank
- Bank of Hawaii
- Central Pacific Bank
- American Savings Bank
- Hawaii State Federal Credit Union
- Pearl Hawaii Federal Credit Union
- Finance Factors
- Hawaii Central Federal Credit Union
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