UHFCU
University of Hawaii Federal Credit Union rates
NCUA InsuredLast checked Nov 11, 2026
Today's posted mortgage, HELOC and personal loan rates from University of Hawaii Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with UH FCU; no lender pays to be listed or ranked. UH FCU website
For UH faculty, staff, students and alumni, and certain other groups · Check eligibility
How UH 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.
- HELOC (variable APR after intro)
- 7.50% APR · tied 6th lowest of 11 (Home Equity Line (2-yr fixed intro))
- Personal loan, 4 years
- 9.24% APR · 4th lowest of 5 (Personal Loan (48 months))
- Personal loan, 5 years
- 9.74% APR · 5th lowest of 5 (Personal Loan (60 months))
15/15 ARMNot ranked · no lender date
Rate
5.875%
APR
6.129%
Points
2
Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
15-Year FixedNot ranked · no lender date
Rate
5.750%
APR
6.138%
Points
2
Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
20-Year FixedNot ranked · no lender date
Rate
6.000%
APR
6.312%
Points
2
Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
30-Year FixedNot ranked · no lender date
Rate
6.125%
APR
6.362%
Points
2
Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
5/5 ARMNot ranked · no lender date
Rate
5.375%
APR
6.439%
Points
2
Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
5/1 ARMNot ranked · no lender date
Rate
5.375%
APR
6.737%
Points
2
Checked Nov 9, 2026Lender's page shows no date; not ranked · sourceConditions: APR examples based on loan amounts up to $970,800. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Home Equity Line (2-yr fixed intro)
Intro APR
5.250%
Variable APR
7.50%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Oct 22, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Home Equity Line (3-yr fixed intro)
Intro APR
5.500%
Variable APR
7.50%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Oct 22, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Home Equity Line (5-yr fixed intro)
Intro APR
5.750%
Variable APR
7.50%
Max line
See lender
Checked Nov 9, 2026Lender's page dated Oct 22, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Ranked by lowest published ("as low as") APR, only against loans with the same term.
Personal Loan (36 months)
Term
36 months
APR as low as
8.74%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate available, including a discount for automatic payment; your rate depends on credit. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Personal Loan (48 months)
Term
48 months
APR as low as
9.24%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate available, including a discount for automatic payment; your rate depends on credit. Membership required: UH faculty, staff, students and alumni, and certain other groups.
Personal Loan (60 months)
Term
60 months
APR as low as
9.74%
Max amount
See lender
Checked Nov 11, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Lowest rate available, including a discount for automatic payment; your rate depends on credit. Membership required: UH faculty, staff, students and alumni, and certain other groups.
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
- 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