Hawaii State Federal Credit Union rates
NCUA InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC, savings, certificate, auto loan and personal loan rates from Hawaii State Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with Hawaii State FCU; no lender pays to be listed or ranked. Hawaii State FCU website
Open to most Hawaii residents · Check eligibility
How Hawaii State 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
- 6.557% APR · 3rd lowest of 11 (30-Year Fixed)
- 15-year fixed
- 5.793% APR · 3rd lowest of 11 (15-Year Fixed)
- HELOC (variable APR after intro)
- 6.75% APR · 2nd lowest of 11 (HELOC up to 80% LTV (2-yr intro))
- Savings
- 0.05% APY · 9th highest of 10 (Regular Share)
- CD / certificate
- 3.50% APY · 5th highest of 8 (9-Month Term Share)
- New car loan, 3 years
- 5.65% APR · 4th lowest of 4 (New Auto Loan (1–3 years))
- Used car loan, 3 years
- 6.40% APR · 4th lowest of 5 (Used Auto Loan (1–3 years))
- Personal loan, 4 years
- 9.00% APR · tied 2nd lowest of 5 (Personal Loan (4 years))
- Personal loan, 5 years
- 9.50% APR · tied 3rd lowest of 5 (Personal Loan (5 years))
15-Year Fixed
Rate
5.500%
APR
5.793%
Points
1.875
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: The displayed rates reflect a limited-time discount of 1.50 discount points. Rates and APRs are "as low as".
15-Year Fixed (Low Points)
Rate
5.750%
APR
5.887%
Points
0.875
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: The displayed rates reflect a limited-time discount of 1.50 discount points. Rates and APRs are "as low as".
30-Year Fixed
Rate
6.375%
APR
6.557%
Points
1.875
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: The displayed rates reflect a limited-time discount of 1.50 discount points; APRs include a limited-time reduction of one origination point. Rates and APRs are "as low as".
30-Year Fixed (Low Points)
Rate
6.625%
APR
6.686%
Points
0.625
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: The displayed rates reflect a limited-time discount of 1.50 discount points; APRs include a limited-time reduction of one origination point. Rates and APRs are "as low as".
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
HELOC up to 80% LTV (2-yr intro)
Intro APR
5.250%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
HELOC up to 80% LTV (3-yr intro)
Intro APR
5.500%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
HELOC up to 80% LTV (4-yr intro)
Intro APR
5.750%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
HELOC up to 80% LTV (5-yr intro)
Intro APR
5.750%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
Hawaii State FCU savings rates and history →
9-Month Term Share
APY
3.50%
Minimum
$1,000
Term
9 months
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: $1,000 minimum to open and earn the APY.
Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.
New Auto Loan (1–3 years)
Vehicle
New
Term
36 months
APR as low as
5.65%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
New Auto Loan (4 years)
Vehicle
New
Term
48 months
APR as low as
5.75%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
New Auto Loan (5 years)
Vehicle
New
Term
60 months
APR as low as
5.85%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
Used Auto Loan (1–3 years)
Vehicle
Used
Term
36 months
APR as low as
6.40%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
Used Auto Loan (4 years)
Vehicle
Used
Term
48 months
APR as low as
6.50%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
Used Auto Loan (5 years)
Vehicle
Used
Term
60 months
APR as low as
6.60%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account (0.25% higher without). Up to 100% financing. Must be a Hawaii resident. Membership required.
Ranked by lowest published ("as low as") APR, only against loans with the same term.
Personal Loan (3 years)
Term
36 months
APR as low as
8.50%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. $500 minimum. Must be a Hawaii resident. Membership required.
Personal Loan (4 years)
Term
48 months
APR as low as
9.00%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. $500 minimum. Must be a Hawaii resident. Membership required.
Personal Loan (5 years)
Term
60 months
APR as low as
9.50%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest published rate; your APR depends on credit. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. $500 minimum. Must be a Hawaii resident. Membership required.
Other Hawaii lenders we track
- First Hawaiian Bank
- Bank of Hawaii
- Central Pacific Bank
- American Savings Bank
- 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