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Start Here with Home Loan Rates

We’re Here to Help with Your Home Loan Needs

Whether you’re looking to buy your first home or refinance your home in Hawaii, we’re here to help you every step of the way – from initial application to closing.

If you have additional questions about our loan options, please use our convenient online inquiry form below.

Meet Our Mortgage Team

When you are ready to move forward with your application, please select one of our Mortgage Loan Officers below to get you started.

Send Us Your Home Loan Questions

Mortgages can seem complicated without the right team on your side. Send us your questions. Let us know how we can help you and we’ll get back to you within one business day.

Mortgage Question

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Conventional Mortgage

Fixed Rate Term

Rate

Points

APR

All rates are effective July 7, 2020. Updated at 10:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

All Interest rates are based on 30-day lock for owner-occupant 1st mortgage purchase loans with a 20% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. When negative points are shown, these may be used to offset loan-level price adjustments and to reduce other closing costs. APR’s are based on loan amounts of $200,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Must be a Hawaii resident.

The APRs shown above include a reduction in points of 0.25 percentage point for purchase transaction first mortgages for all occupancy types for 1-4 family residential properties in the state of Hawaii for loans funded in-house by Hawaii State FCU. For refinance transactions, increase points by 0.25 percentage point and increase the APR by 0.021 percentage point for a 30-year loan and increase the APR by 0.038 percentage point for a 15-year loan.

Payment example:

For a 15 year loan for $100,000 at 4.000% interest rate, no points, and an APR of 4.179%, the monthly principal and interest payment is $740. The total of all interest payments for 15 years is $33,144 and the total of all payments for 15 years $133,144. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

For a 30 year loan for $100,000 at 4.500% interest rate, no points, and an APR 4.603%, the monthly principal and interest payment is $507. The total of all interest payments for 30 years is $82,407 and the total of all payments for 30 years is $182,407. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316

If you have any questions please email: [email protected]

Fixed Rate Term

30 year

Rate

2.875%

Points

0.125%

APR

2.916%

Fixed Rate Term

30 year

Rate

3.000%

Points

-0.250%

APR

3.012%

Fixed Rate Term

30 year

Rate

3.125%

Points

-0.625%

APR

3.125%

Fixed Rate Term

30 year

Rate

3.250%

Points

-1.000%

APR

3.250%

Fixed Rate Term

15 year

Rate

2.500%

Points

-0.375%

APR

2.504%

Fixed Rate Term

15 year

Rate

2.625%

Points

-0.875%

APR

2.625%

Fixed Rate Term

15 year

Rate

2.750%

Points

-1.250%

APR

2.750%

Fixed Rate Term

15 year

Rate

2.875%

Points

-1.500%

APR

2.875%

Click here to view all mortgage rates.

Online Resources to Help in the Home Buying Journey

We offer free financial tools to help you make knowledgeable decisions about buying a home in Hawaii. Here are some of our online home buying resources:

A photograph of a couple. The woman is holding a key on a keyring on her pointer finger, while the man holds a miniature model of a white house with brown A frame roof in his palm.

Wallet Wisdom Blog

You’ll get all kinds of tips from buying a home to improving your credit score in our Wallet Wisdom blog!

Read More >>

A person pressing buttons on a calculator with one hand, while writing something down on paper with a pencil with his other hand.

Mortgage Calculators

Use our free online calculators to take the guesswork out of how much a mortgage loan payment will be or to calculate if it’s time to refinance.

Calculate a payment >>

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Looking to Buy a Home?

Try our interactive eLearning module to explore the benefits of homeownership and the costs associated with it.

Start this course >>

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Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

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