Methodology

We compare rates from 12 Hawaii banks and credit unions. We are not a lender or broker, and no lender pays to be listed or ranked.

Where rates come from

Every rate is copied exactly from the lender's own website. We never calculate a rate ourselves. Each row shows the date printed on the lender's page and links to that page. If our number and the lender's page ever differ, the lender's page is correct.

We list mortgage, HELOC, auto and personal loan rates only when the lender's page dates them within the last 90 days. Savings and CD rates need a lender date within the last 12 months. Each row shows that date.

Exception: University of Hawaii Federal Credit Union posts loan rates without a date. We show them, marked “Not ranked · no lender date”, below every dated rate. They are never ranked or used as a “best rate”.

How often we check

We re-check rates against the lenders' pages regularly. Rates not re-checked for more than 7 days are flagged. See the status page for each lender's last check.

How we rank

• Mortgages: lowest APR first.
• Savings and CDs: highest APY first.
• HELOCs: ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
• Auto loans: ranked by lowest published ("as low as") APR, only against loans for the same vehicle type and term.
• Personal loans: ranked by lowest published ("as low as") APR, only against loans with the same term.

Nothing else affects the order.

On a page for one island, a lender that does not serve that island stays in the table with a label. The best-rate line, the Best Rate badge, and the structured data on that page skip them. Among the lenders that do serve the island, the best rate is still the lowest APR.

APR and APY

APR is a loan's yearly cost including points and certain fees. APY is what savings earn in a year, including compounding. Some savings promotions advertise a short-term interest rate; we show the APY the bank publishes and list the promotional rate separately.

Conditions

Published rates usually assume an ideal borrower (for example, 20% down and top credit). When a lender attaches conditions — a credit tier, auto-pay, new money, a deadline, or an island restriction — we show them on the row. Your actual rate may differ, so confirm with the lender before applying.