First Hawaiian Bank rates
FDIC InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC, savings, CD, auto loan and personal loan rates from First Hawaiian Bank, copied from its own website and checked every business day. 808rates is independent and not affiliated with First Hawaiian; no lender pays to be listed or ranked. First Hawaiian website
How First Hawaiian 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
- 6.950% APR · 9th lowest of 11 (30-Year Fixed)
- 15-year fixed
- 6.470% APR · 9th lowest of 11 (15-Year Fixed)
- HELOC (variable APR after intro)
- 8.62% APR · 11th lowest of 11 (Home Equity Line (24-mo intro))
- Savings
- 2.15% APY · 4th highest of 10 (YesSavings ($100K+ Combined APY))
- CD / certificate
- 3.05% APY · 7th highest of 8 (6-Month Online CD (Promo))
- Used car loan, 3 years
- 7.53% APR · 5th lowest of 5 (Used Car (3 years))
- Personal loan, 5 years
- 7.95% APR · lowest of 5 (Personal Loan (5 years))
30-Year Fixed
Rate
6.625%
APR
6.950%
Points
2.25
Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · source
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Home Equity Line (24-mo intro)
Intro APR
5.800%
Variable APR
8.62%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 11/1–11/30/2026. $100 annual fee.
Home Equity Line (36-mo intro)
Intro APR
5.850%
Variable APR
8.62%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 11/1–11/30/2026. $100 annual fee.
Home Equity Line (48-mo intro)
Intro APR
5.900%
Variable APR
8.62%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 11/1–11/30/2026. $100 annual fee.
Home Equity Line (60-mo intro)
Intro APR
5.950%
Variable APR
8.62%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 11/1–11/30/2026. $100 annual fee.
YesSavings ($100K+ Combined APY)
APY
2.15%
Minimum
$100,000
Term
—
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · sourceConditions: Combined APY for $100,000–$249,999.99 balances; requires a Priority Banking Gold or Platinum checking account, a $10,000 opening deposit from another institution, and a $25+ deposit each month (otherwise the 1.00% base APY applies).
MaxiMizer ($100K+)
APY
0.04%
Minimum
$100,000
Term
—
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · source
6-Month Online CD (Promo)
APY
3.05%
Minimum
$1,000
Term
6 months
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · sourceConditions: Opened online at fhb.com; personal accounts only; $250,000 maximum.
6-Month CD (Promo)
APY
3.00%
Minimum
$1,000
Term
6 months
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · sourceConditions: In-branch promo; requires an FHB checking account. Priority Banking customers earn 3.05% APY.
3-Month CD (Promo)
APY
2.95%
Minimum
$1,000
Term
3 months
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · sourceConditions: In-branch promo; requires an FHB checking account. Priority Banking customers earn 3.00% APY.
12-Month Online CD (Promo)
APY
2.90%
Minimum
$1,000
Term
12 months
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · sourceConditions: Opened online at fhb.com; personal accounts only; $250,000 maximum.
12-Month CD (Promo)
APY
2.85%
Minimum
$1,000
Term
12 months
Checked Nov 9, 2026Lender's page dated Sep 3, 2026 · sourceConditions: In-branch promo; requires an FHB checking account. Priority Banking customers earn 2.90% APY.
Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.
New Car (4 years)
Vehicle
New
Term
48 months
APR as low as
6.97%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Applications received 11/1–11/30/2026. Auto-pay from an FHB deposit account required (0.25% higher without). $2,500 minimum; income verification over $25,000; $50 documentation fee. APR example is a $15,000 loan for a car from the current or previous model year.
Used Car (3 years)
Vehicle
Used
Term
36 months
APR as low as
7.53%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Applications received 11/1–11/30/2026. Auto-pay from an FHB deposit account required (0.25% higher without). $2,500 minimum; income verification over $25,000; $50 documentation fee. APR example is a $15,000 loan for a car manufactured within the last 4 years.
Ranked by lowest published ("as low as") APR, only against loans with the same term.
Personal Loan (5 years)
Term
60 months
APR range
7.95–16.95%
Max amount
See lender
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.
Other Hawaii lenders we track
- Bank of Hawaii
- Central Pacific Bank
- American Savings Bank
- Hawaii State Federal Credit Union
- Pearl Hawaii Federal Credit Union
- Finance Factors
- University of Hawaii Federal Credit Union
- Hawaii Central Federal Credit Union
- Hawaiian Financial Federal Credit Union
- Lokahi Federal Credit Union
- Hawaii National Bank
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