808Rates

Mortgage Rates in Kailua, Hawaii

Compare today's best rates from Kailua, Oahu \u2014 starting at 5.354% APR

Rates updated: Friday, April 24, 2026
$800,000

Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees.

Rates as of April 25, 2026. Verify with lender before applying.

Rates shown assume 20% down payment, owner-occupied primary residence in Hawaii, qualified borrower (720+ credit score), and approximately 45-day rate lock. Actual rates vary based on your specific situation.

HawaiiUSA Federal Credit Union
HawaiiUSA FCU✓ Best Rate
NCUA Insured
Product
30-Year Fixed
Rate
5.000%
APR
5.354%
Est. Payment (P&I only)
$4,295/mo
View Details
Points: 2.375 (~$19,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated 2d ago
BOH
Bank of Hawaii#2
FDIC Insured
Product
30-Year Fixed
Rate
5.750%
APR
5.925%
Est. Payment (P&I only)
$4,669/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated yesterday
Hawaii State Federal Credit Union
Hawaii State FCU#3
NCUA Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.051%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated yesterday
American Savings Bank
American Savings
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.093%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 1.75 (~$14,000 upfront)(?)Max LTV: 80%Updated yesterday
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.170%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 2.125 (~$17,000 upfront)(?)Max LTV: 80%Updated yesterday
CPB
Central Pacific
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.197%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 2 (~$16,000 upfront)(?)Max LTV: 80%Updated yesterday
Hawaii State Federal Credit Union
Hawaii State FCU
NCUA Insured
Product
30-Year Fixed (Low Points)
Rate
6.125%
APR
6.208%
Est. Payment (P&I only)
$4,861/mo
View Details
Points: 0.875 (~$7,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated yesterday
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About Mortgage Rates in Kailua

Kailua is served by all major Hawaii financial institutions including First Hawaiian Bank, Bank of Hawaii, Central Pacific Bank, American Savings Bank, and several local credit unions. Hawaii's conforming loan limit of $1,249,125 is among the highest in the nation, reflecting the state's high cost of living and real estate market. Most Kailua home buyers will find competitive rates from both banks and credit unions listed above. Credit unions often offer slightly lower rates due to their non-profit structure, though banks may provide faster processing times.

Hawaii Mortgage Calculator

Defaults reflect Hawaii's high conforming limit of $1,249,125

$1,200,000
$240,000
Monthly P&I
$5,911
Est. Total
$6,561
incl. tax & insurance
Loan Amount
$960,000
Total Interest
$1,167,919

Estimates include property tax at 0.35% and homeowner's insurance at 0.30% of home value. Actual costs vary. Does not include HOA, PMI, or other fees.