HNB
Hawaii National Bank rates
FDIC InsuredLast checked Nov 9, 2026
Today's posted mortgage, HELOC and savings rates from Hawaii National Bank, copied from its own website and checked every business day. 808rates is independent and not affiliated with Hawaii National; no lender pays to be listed or ranked. Hawaii National website
How Hawaii National 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
- 7.030% APR · 11th lowest of 11 (30-Year Fixed)
- 15-year fixed
- 6.520% APR · 11th lowest of 11 (15-Year Fixed)
- HELOC (variable APR after intro)
- 8.05% APR · 10th lowest of 11 (Home Equity Line (24-mo intro))
- Savings
- 0.07% APY · 8th highest of 10 (Savings)
15-Year Fixed
Rate
5.875%
APR
6.520%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.
30-Year Jumbo Fixed
Rate
6.750%
APR
6.993%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center, for loan amounts greater than $1,249,125.
7-Year Adjustable (ARM)
Rate
6.000%
APR
6.999%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.
30-Year Fixed
Rate
6.625%
APR
7.030%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 6, 2026 · sourceConditions: Shown on Hawaii National Bank's Residential Mortgage Center. Conforming rows are for loan amounts of $1,249,125 or below; the page doesn't state the loan amount or down payment behind the APR.
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
5.580%
Variable APR
8.05%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 2, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
Home Equity Line (36-mo intro)
Intro APR
5.680%
Variable APR
8.05%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 2, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
Home Equity Line (48-mo intro)
Intro APR
5.780%
Variable APR
8.05%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 2, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
Savings
APY
0.07%
Minimum
$100
Term
—
Checked Nov 9, 2026Lender's page dated Jan 1, 2026 · sourceConditions: $100 to open and to earn interest.
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
- Hawaii Central Federal Credit Union
- Hawaiian Financial Federal Credit Union
- Lokahi Federal Credit Union
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