HCFCU

Hawaii Central Federal Credit Union mortgage rates

NCUA InsuredLast checked Nov 9, 2026

Today's posted mortgage rates from Hawaii Central Federal Credit Union, copied from its own website, and every change we have recorded since Sep 30, 2026. 808rates is independent and not affiliated with HawaiiCentral FCU; no lender pays to be listed or ranked.

For people who live, work, worship or attend school on Oahu · Check eligibility

How HawaiiCentral FCU compares

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)
Compare mortgage rates at every Hawaii lender →

Today's mortgage rates

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.

Rate history

Each date is when the rate listed on 808rates.com changed, copied from HawaiiCentral FCU's page. Our verified history for mortgage rates starts Sep 30, 2026.

15-Year Fixed

5.243% APR since Oct 8, 2026, with no change.

15-Year Fixed (No Points)

5.569% APR since Oct 8, 2026, with no change.

30-Year Fixed

6.101% APR since Oct 8, 2026, with no change.

30-Year Fixed (No Points)

6.418% APR since Oct 8, 2026, with no change.

More HawaiiCentral FCU rates

Mortgage rates at other Hawaii lenders

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