Start Here with Home Loan Rates

All rates are effective December 11, 2019. Updated at 10:01 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]