808Rates
Pearl Hawaii Federal Credit Union

Pearl Hawaii Federal Credit Union mortgage rates

NCUA InsuredLast checked Nov 9, 2026

Today's posted mortgage rates from Pearl Hawaii 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 Pearl Hawaii FCU; no lender pays to be listed or ranked.

Open to most Hawaii residents · Check eligibility

How Pearl Hawaii FCU compares

30-year fixed
5.973% APR · lowest of 11 (30-Year Fixed (A-tier))
15-year fixed
5.434% APR · 2nd lowest of 11 (15-Year Fixed (A-tier, No Points))
Compare mortgage rates at every Hawaii lender →

Today's mortgage rates

15-Year Fixed (A-tier, No Points)
Rate
5.375%
APR
5.434%
Points
None
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
15-Year Fixed (A-tier)
Rate
5.125%
APR
5.494%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
30-Year Fixed (A-tier)
Rate
5.750%
APR
5.973%
Points
2
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.
30-Year Fixed (A-tier, No Points)
Rate
6.000%
APR
6.036%
Points
None
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: "A" tier rate (Pearl's best credit tier; APR shown is "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Membership required.

Rate history

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

15-Year Fixed (A-tier, No Points)

5.434% APR since Sep 30, 2026, with no change.

15-Year Fixed (A-tier)

5.494% APR since Sep 30, 2026, with no change.

30-Year Fixed (A-tier)

5.973% APR since Sep 30, 2026, with no change.

30-Year Fixed (A-tier, No Points)

6.036% APR since Sep 30, 2026, with no change.

More Pearl Hawaii 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