HCFCU
Hawaii Central Federal Credit Union rates
NCUA InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC, savings, certificate and auto loan rates from Hawaii Central Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with HawaiiCentral FCU; no lender pays to be listed or ranked. HawaiiCentral FCU website
For people who live, work, worship or attend school on Oahu · Check eligibility
How HawaiiCentral 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.
- 30-year fixed
- 6.101% APR · 2nd lowest of 11 (30-Year Fixed)
- 15-year fixed
- 5.243% APR · lowest of 11 (15-Year Fixed)
- HELOC (variable APR after intro)
- 8.00% APR · tied 8th lowest of 11 (Owner-Occupant HELOC (3-yr intro))
- Savings
- 0.15% APY · 6th highest of 10 (Money Market Investment)
- CD / certificate
- 4.50% APY · highest of 8 (6-Month Share Certificate Special)
- New car loan, 3 years
- 4.50% APR · 2nd lowest of 4 (New Auto (3 years))
15-Year FixedNot re-confirmed
Rate
4.875%
APR
5.243%
Points
2
Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: APR based on a $100,000 loan. Membership required: people who live, work, worship or attend school on Oahu.
15-Year Fixed (No Points)Not re-confirmed
Rate
5.500%
APR
5.569%
Points
None
Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: APR based on a $100,000 loan. Membership required: people who live, work, worship or attend school on Oahu.
30-Year FixedNot re-confirmed
Rate
5.875%
APR
6.101%
Points
2
Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: APR based on a $100,000 loan. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Fixed (No Points)Not re-confirmed
Rate
6.375%
APR
6.418%
Points
None
Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: APR based on a $100,000 loan. Membership required: people who live, work, worship or attend school on Oahu.
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Owner-Occupant HELOC (3-yr intro)
Intro APR
5.250%
Variable APR
8.00%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Oct 7, 2026 · sourceConditions: Owner-occupant, up to 80% CLTV. Variable APR shown is "as low as". $10,000 minimum line and initial draw; 15-year draw period. Waived closing costs must be repaid if closed within 2 years. Only residential property on Oahu accepted as collateral. Membership required: people who live, work, worship or attend school on Oahu.
Money Market Investment
APY
0.15%
Minimum
$500
Term
—
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: $500 to open. Membership required: people who live, work, worship or attend school on Oahu.
Regular Share
APY
0.10%
Minimum
$100
Term
—
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: $25 to open; $100 balance to earn the APY. Membership required: people who live, work, worship or attend school on Oahu.
6-Month Share Certificate Special
APY
4.50%
Minimum
$1,000
Term
6 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: New money required. Membership required: people who live, work, worship or attend school on Oahu.
6-Month Share Certificate
APY
3.75%
Minimum
$1,000
Term
6 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
24-Month Share Certificate
APY
3.34%
Minimum
$500
Term
24 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
18-Month Share Certificate
APY
3.29%
Minimum
$500
Term
18 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
12-Month Share Certificate
APY
3.03%
Minimum
$500
Term
12 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
60-Month Share Certificate
APY
1.51%
Minimum
$500
Term
60 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.
New Auto (3 years)
Vehicle
New
Term
36 months
APR as low as
4.50%
Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.
New Auto (4 years)
Vehicle
New
Term
48 months
APR as low as
4.75%
Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.
New Auto (5 years)
Vehicle
New
Term
60 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Aug 21, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. New autos only. Includes a 0.25% discount for automatic loan payment. Not for commercial vehicles or internal refinancing. Membership required: people who live, work, worship or attend school on Oahu.
Share kit
PNG files and captions for HawaiiCentral FCU. Each file name includes the date on the lender's page.
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
- University of Hawaii 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