LFCU
Lokahi Federal Credit Union rates
NCUA InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC, savings, auto loan and personal loan rates from Lokahi Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with Lokahi FCU; no lender pays to be listed or ranked. Lokahi FCU website
For people who live, work, worship or attend school on Oahu · Check eligibility
How Lokahi 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
- 6.880% APR · 6th lowest of 11 (30-Year Fixed)
- 15-year fixed
- 5.902% APR · 4th lowest of 11 (15-Year Fixed (up to 80% LTV))
- HELOC (variable APR after intro)
- 7.03% APR · 4th lowest of 11 (HELOC up to 80% LTV (24-mo intro))
- Savings
- 2.50% APY · 2nd highest of 10 (Secure+ Money Market ($1,000,000+))
- New car loan, 3 years
- 4.00% APR · lowest of 4 (New Auto (up to 3 years))
- Used car loan, 3 years
- 5.00% APR · tied lowest of 5 (Used Auto (up to 3 years))
- Personal loan, 4 years
- 8.75% APR · lowest of 5 (Personal Loan (up to 4 years))
- Personal loan, 5 years
- 9.25% APR · 2nd lowest of 5 (Personal Loan (up to 5 years))
20-Year Fixed (up to 80% LTV)
Rate
5.500%
APR
5.818%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
15-Year Fixed (up to 80% LTV)
Rate
5.500%
APR
5.902%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
15-Year Fixed (up to 80% LTV, No Points)
Rate
5.875%
APR
5.973%
Points
None
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
5/6 ARM
Rate
6.000%
APR
6.335%
Points
1.375
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
7/6 ARM
Rate
6.125%
APR
6.462%
Points
1.375
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
10/6 ARM
Rate
6.250%
APR
6.590%
Points
1.375
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Fixed
Rate
6.500%
APR
6.880%
Points
1.75
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Fixed (Low Points)
Rate
6.625%
APR
6.984%
Points
1.5
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $100,000 loan; maximum loan $1,500,000. Membership required: people who live, work, worship or attend school on Oahu.
30-Year Jumbo Fixed
Rate
6.750%
APR
7.160%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: 30-day lock, 20% down. Owner-occupied single-family home or condo in Hawaii, FICO 660+; APR based on a $1,149,825 loan; maximum loan $1,500,000. 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.
HELOC up to 80% LTV (24-mo intro)
Intro APR
4.990%
Variable APR
7.03%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HELOC up to 80% LTV (36-mo intro)
Intro APR
5.240%
Variable APR
7.03%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HELOC up to 80% LTV (60-mo intro)
Intro APR
5.490%
Variable APR
7.03%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
Secure+ Money Market ($1,000,000+)
APY
2.50%
Minimum
$1,000,000
Term
—
Checked Nov 9, 2026Lender's page dated Aug 3, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
Secure+ Money Market ($250,000–$499,999.99)
APY
1.50%
Minimum
$250,000
Term
—
Checked Nov 9, 2026Lender's page dated Aug 3, 2026 · sourceConditions: Higher tiers: 2.00% APY at $500,000–$999,999.99; 2.50% at $1,000,000+. Balances under $250,000 earn 0.30%. 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 (up to 3 years)
Vehicle
New
Term
36 months
APR as low as
4.00%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. Up to 140% of MSRP.
New Auto (up to 4 years)
Vehicle
New
Term
48 months
APR as low as
4.50%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. Up to 140% of MSRP.
New Auto (up to 5 years, $15,000+)
Vehicle
New
Term
60 months
APR as low as
4.75%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. 5-year term for loans of $15,000 or more. Up to 140% of MSRP.
Used Auto (up to 3 years)
Vehicle
Used
Term
36 months
APR as low as
5.00%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. Up to 120% of Kelley Blue Book retail value.
Used Auto (up to 4 years)
Vehicle
Used
Term
48 months
APR as low as
5.50%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. Up to 120% of Kelley Blue Book retail value.
Used Auto (up to 5 years, $15,000+)
Vehicle
Used
Term
60 months
APR as low as
5.75%
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Best rate is based on a 36-month term with 20% or more down; higher rates may apply by term and credit. Automatic payment from a Lokahi FCU savings or checking account required. Electric or hybrid vehicles get 0.50% off. Membership required: people who live, work, worship or attend school on Oahu. 5-year term for loans of $15,000 or more. Up to 120% of Kelley Blue Book retail value.
Ranked by lowest published ("as low as") APR, only against loans with the same term.
Personal Loan (up to 3 years)
Term
36 months
APR as low as
8.25%
Max amount
$30,000
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate for the term; higher rates may apply by credit. $30,000 maximum. Automatic payment from a Lokahi FCU savings or checking account required. Membership required: people who live, work, worship or attend school on Oahu.
Personal Loan (up to 4 years)
Term
48 months
APR as low as
8.75%
Max amount
$30,000
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate for the term; higher rates may apply by credit. $30,000 maximum. Automatic payment from a Lokahi FCU savings or checking account required. Membership required: people who live, work, worship or attend school on Oahu.
Personal Loan (up to 5 years)
Term
60 months
APR as low as
9.25%
Max amount
$30,000
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate for the term; higher rates may apply by credit. $30,000 maximum. Automatic payment from a Lokahi FCU savings or checking account required. Membership required: people who live, work, worship or attend school on Oahu.
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PNG files and captions for Lokahi FCU. Each file name includes the date on the lender's page.
Other Hawaii lenders we track
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- Bank of Hawaii
- Central Pacific Bank
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- 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
- 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