1. Rates and terms are subject to change or cancellation without notice. Other terms and conditions apply. Speak to a HSFCU representative for more information. Available to Hawaii residents only, and only for property in Hawaii. Free HSFCU membership is required. Contact us for eligibility.
2. Conventional Fixed Rate Mortgages
Payment examples:
For a 15-year loan for $100,000 with 5% downpayment at 6.00% interest rate, no points, and an APR of 6.406%, the monthly principal and interest payment is $843.86. The total of all interest payments for 15 years is $51,894.23 and the total of all payments for 15 years $151,894.23. Payments do not include amounts for taxes and insurance premiums, including property and mortgage insurance premiums. The actual payment obligation will be greater.
For a 30-year loan for $100,000 with 5% downpayment at 6.50% interest rate, no points, and an APR 6.966%, the monthly principal and interest payment is $632.07. The total of all interest payments for 30 years is $127,544.49 and the total of all payments for 30 years is $227,544.49. Payments do not include amounts for taxes and insurance premiums, including property and mortgage insurance premiums. The actual payment obligation will be greater.
3. Adjustable Rate Hybrid Mortgages (ARMs)
For a 5/6 Hybrid ARM, the initial interest rate is fixed for the first 5 years (60 months), after which the interest rate and payment may change every 6 months based on the 30-Day Average SOFR index plus a margin of 2.75%. Interest rate adjustments are subject to caps: a 2% limit on the first adjustment, a 1% limit on subsequent adjustments, and a 5% lifetime cap. Payment amounts will adjust to fully amortize the remaining balance over the loan term. Example: For a $100,000 loan, the monthly principal and interest payment at an initial interest rate of 4.00% is $477.42 for the first 60 months. Actual payments may vary based on changes to the index value, taxes, and insurance. APR: 6.085%. Effective March 31, 2025.
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5. First-Time Homebuyer Program
For a 30-year loan with a purchase price of $100,000 and a loan amount of $97,000, the estimated APR is 7.319%, and the monthly principal and interest payment is $613.11. Total interest payments over 30 years are estimated at $120,718.15, with total payments of $220,718.15. Actual APR may vary based on property and creditworthiness. Payments exclude taxes and insurance, which will increase the actual payment amount. Mortgage insurance, hazard insurance, and other applicable insurances may be required. APR as of 3/17/2023, subject to change. Available for 1-unit fee-simple owner-occupied primary residences.
6. Jumbo First Mortgage Loan
Payment example:
For a 30 year loan for $1,200,000 with 20% downpayment at 6.50% interest rate, no points, and an APR of 6.512%, the monthly principal and interest payment is $7,584.82. The total of all interest payments for 30 years is $1,530,533.86 and the total of all payments for 30 years is $2,730,533.86. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.