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Rates Moved Today: First Hawaiian, Bank of Hawaii, Central Pacific, American Savings, Hawaii State FCU raised mortgage rates.
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Hawaii Mortgage Rates Today

Starting at 5.597% APR for a 30-year fixed from local institutions

Rates refreshed May 8 · 4:30 PM HST
$800,000

Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees.

Rates as of May 8, 2026. Verify with lender before applying.

Rates shown assume 20% down payment, owner-occupied primary residence in Hawaii, qualified borrower (720+ credit score), and approximately 45-day rate lock. Actual rates vary based on your specific situation.

BOH
Bank of Hawaii✓ Best RateUpdated Today
FDIC Insured
Product
30-Year Fixed
Rate
5.875%
APR
6.039%
Est. Payment (P&I only)
$4,732/mo
View Details
Points: 1.75 (~$14,000 upfront)(?)Max LTV: 80%Updated today
Hawaii State Federal Credit Union
Hawaii State FCU#2Updated Today
NCUA Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.189%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 2 (~$16,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated today
American Savings Bank
American Savings#3Updated Today
FDIC Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.232%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated today
First Hawaiian Bank
First HawaiianUpdated Today
FDIC Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.310%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 2.25 (~$18,000 upfront)(?)Max LTV: 80%Updated today
CPB
Central PacificUpdated Today
FDIC Insured
Product
30-Year Fixed
Rate
6.000%
APR
6.313%
Est. Payment (P&I only)
$4,796/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated today
Hawaii State Federal Credit Union
Hawaii State FCUUpdated Today
NCUA Insured
Product
30-Year Fixed (Low Points)
Rate
6.250%
APR
6.345%
Est. Payment (P&I only)
$4,926/mo
View Details
Points: 1 (~$8,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated today
HawaiiUSA Federal Credit Union
Product
30-Year Fixed
Rate
5.250%
APR
5.597%
Est. Payment (P&I only)
$4,418/mo
View Details
Points: 2.25 (~$18,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated 10d ago · ⚠ Verify current rate
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Hawaii Mortgage Calculator

Defaults reflect Hawaii's high conforming limit of $1,249,125

$1,200,000
$240,000
Monthly P&I
$5,911
Est. Total
$6,561
incl. tax & insurance
Loan Amount
$960,000
Total Interest
$1,167,919

Estimates include property tax at 0.35% and homeowner's insurance at 0.30% of home value. Actual costs vary. Does not include HOA, PMI, or other fees.

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