Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Applications received and approved 11/1–11/30/2026. Auto-pay from an FHB deposit account required (0.25% higher without). $2,500 minimum; income verification over $5,000; $50 documentation fee.
For people who live, work, worship or attend school on Oahu · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate for the term; higher rates may apply by credit. $30,000 maximum. Automatic payment from a Lokahi FCU savings or checking account required. Membership required: people who live, work, worship or attend school on Oahu.
Open to most Hawaii residents · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. $500 minimum. Must be a Hawaii resident. Membership required.
Open to most Hawaii residents · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 11, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Membership required.
For UH faculty, staff, students and alumni, and certain other groups · Check eligibility →Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate available, including a discount for automatic payment; your rate depends on credit. Membership required: UH faculty, staff, students and alumni, and certain other groups.
How to read these rates
Each APR is the lowest rate the lender publishes for that term (“as low as”). Your rate depends on your credit and income and is often higher; where a lender publishes its full range, the table shows the top of it. Many lenders also require automatic payment from one of their accounts to get the rate shown.
Credit unions require membership, and some only accept members who live, work, worship or go to school on certain islands or belong to a group. Check eligibility before you apply.
We list 3-year, 4-year and 5-year terms and only rates the lender's page dates within the last 90 days. Lenders listed: First Hawaiian Bank, American Savings Bank, Hawaii State Federal Credit Union, Pearl Hawaii Federal Credit Union, Lokahi Federal Credit Union and University of Hawaii Federal Credit Union. Lines of credit, secured loans and special-purpose loans are not included. How we collect and rank rates
