HIFICU
Hawaiian Financial Federal Credit Union rates
NCUA InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC, savings, certificate and auto loan rates from Hawaiian Financial Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with Hawaiian Financial FCU; no lender pays to be listed or ranked. Hawaiian Financial FCU website
For people who live, work, worship or go to school on Oahu or in Maui County · Check eligibility
How Hawaiian Financial 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
- 6.677% APR · 5th lowest of 11 (30-Year Fixed)
- 15-year fixed
- 6.109% APR · 5th lowest of 11 (15-Year Fixed)
- HELOC (variable APR after intro)
- 7.25% APR · 5th lowest of 11 (Home Equity Line of Credit)
- Savings
- 1.50% APY · 5th highest of 10 (VIP Money Market ($100,000+))
- CD / certificate
- 4.25% APY · 3rd highest of 8 (9-Month Share Certificate)
- Used car loan, 3 years
- 5.00% APR · tied lowest of 5 (Used Auto (3 years))
15-Year Fixed
Rate
5.625%
APR
6.109%
Points
2.375
Checked Nov 9, 2026Lender's page dated Nov 4, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
15-Year Fixed (Low Points)
Rate
5.875%
APR
6.222%
Points
1.5
Checked Nov 9, 2026Lender's page dated Nov 4, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
30-Year Fixed
Rate
6.375%
APR
6.677%
Points
2.375
Checked Nov 9, 2026Lender's page dated Nov 4, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
30-Year Fixed (Low Points)
Rate
6.625%
APR
6.832%
Points
1.375
Checked Nov 9, 2026Lender's page dated Nov 4, 2026 · sourceConditions: Rates based on a 30-day lock for an owner-occupied single-family purchase with 30% down; APR based on a $275,000 loan. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Home Equity Line of Credit
Intro APR
None
Variable APR
7.25%
Max line
$200,000
Checked Nov 9, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Variable: one-year Treasury index plus 3.00%, reviewed quarterly, 18.00% APR cap. Fee-simple, owner-occupied Hawaii property; line up to the lesser of $200,000 or 70% combined LTV. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
VIP Money Market ($100,000+)
APY
1.50%
Minimum
$100,000
Term
—
Checked Nov 9, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Lower tiers: 1.00% APY at $50,000–$99,999.99; 0.35% at $5,000–$49,999.99. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Share Account
APY
0.10%
Minimum
$5
Term
—
Checked Nov 9, 2026Lender's page dated Oct 15, 2026 · sourceConditions: $5 to open; $100 minimum average daily balance to avoid service fees. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
9-Month Share Certificate
APY
4.25%
Minimum
$2,000
Term
9 months
Checked Nov 9, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
36-Month Share Certificate
APY
2.75%
Minimum
$500
Term
36 months
Checked Nov 9, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
24-Month Share Certificate
APY
2.50%
Minimum
$500
Term
24 months
Checked Nov 9, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
12-Month Share Certificate
APY
2.00%
Minimum
$500
Term
12 months
Checked Nov 9, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.
New Auto (4 years)
Vehicle
New
Term
48 months
APR as low as
4.50%
Checked Nov 11, 2026Lender's page dated Sep 30, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. An additional 0.25% discount for hybrid/electric vehicles. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
New Auto (5 years)
Vehicle
New
Term
60 months
APR as low as
4.75%
Checked Nov 11, 2026Lender's page dated Sep 30, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. An additional 0.25% discount for hybrid/electric vehicles. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Used Auto (3 years)
Vehicle
Used
Term
36 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Sep 30, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. Used autos up to 6 years old. An additional 0.25% discount for hybrid/electric vehicles. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Used Auto (4 years)
Vehicle
Used
Term
48 months
APR as low as
5.25%
Checked Nov 11, 2026Lender's page dated Sep 30, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. Used autos up to 6 years old. An additional 0.25% discount for hybrid/electric vehicles. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Used Auto (5 years)
Vehicle
Used
Term
60 months
APR as low as
5.50%
Checked Nov 11, 2026Lender's page dated Sep 30, 2026 · sourceConditions: Lowest published rate; your APR depends on credit and may be higher. Used autos up to 6 years old. An additional 0.25% discount for hybrid/electric vehicles. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
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
- 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