808Rates
8 Hawaii institutionsNo sponsored rankings

Hawaii's mortgage & savings rates, compared daily.

We aggregate rates from every major Hawaii bank and credit union so you can find the best deal — no hidden sponsorships, no biased rankings.

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Rates refreshed May 8 · 4:30 PM HST

Hawaii Mortgage Rates

Today's purchase & refinance rates from local banks and credit unions

May 8 update — banks reprice higher: All 5 Hawaii banks raised 30-yr/15-yr conforming rates +12.5–25bps over the past week. FHB 30yr jumps the most (5.875→6.125%, +25bps, APR 6.41%); BOH/CPB/ASB/HSFCU all moved to 6.000% on the 30-yr. ASB 7/6 and 10/6 ARMs both +25bps. FHB cut HELOC promos (2-yr intro 5.65→5.30%, 5-yr 5.80→5.70%), the only product easing today. ASB 6-mo CD Special trimmed 10bps to 2.75%. Best verified-today 30-yr APR: 6.039% (BOH). HIFCU's last verified 30-yr was 5.250%/5.597% APR (Apr 28) — Cloudflare-blocked today, so its rate may have moved with the pack. See full May 8 rate alert → Rate data for HIFCU (10d old) is over 7 days old — verify directly before applying.
$800,000

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

Rates as of May 8, 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.

BOH
Bank of Hawaii✓ Best RateUpdated Today
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.039%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 1.75 (~$14,000 upfront)(?)Max LTV: 80%Updated today
Hawaii State Federal Credit Union
Hawaii State FCU#2Updated Today
NCUA Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.189%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 2 (~$16,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated today
American Savings Bank
American Savings#3Updated Today
FDIC Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.232%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated today
First Hawaiian Bank
First HawaiianUpdated Today
FDIC Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.310%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 2.25 (~$18,000 upfront)(?)Max LTV: 80%Updated today
CPB
Central PacificUpdated Today
FDIC Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.313%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated today
Hawaii State Federal Credit Union
Hawaii State FCUUpdated Today
NCUA Insured
Product
30-Year Fixed (Low Points)
Rate
6.250%
APR
6.345%
Est. Payment (P&I only)
$4,926/mo
View Details
Points: 1 (~$8,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated today
HawaiiUSA Federal Credit Union
Product
30-Year Fixed
Rate
5.250%
APR
5.597%
Est. Payment (P&I only)
$4,418/mo
View Details
Points: 2.25 (~$18,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated 10d ago · ⚠ Verify current rate

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.

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Rates by Island

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Top CD Rate
3.65% APY
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6.50% APR
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