All rates are effective January 22, 2026. Updated at 8:00 AM HST. Advertised interest rates reflect standard pricing. APRs shown include a temporary reduction of one origination point (1.00% of the loan amount). This is a limited-time offer and is subject to change without notice. Standard origination charges are higher. These rates are market indicators, and they are subject to change throughout the day.
Annual Percentage Rate = APR
All Interest rates are based on 45-day lock for owner-occupant 1st mortgage single-family detached property 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, property types, and credit score tiers. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. APR’s are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Available to Hawaii residents only, and only for property in Hawaii.
Payment example:
For a 30-year loan for $100,000 at 6.875% interest rate, no points, and an APR 6.994%, the monthly principal and interest payment is $657. The total of all interest payments for 30 years is $136,493 and the total of all payments for 30 years is $236,493. 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: MLO@hsfcu.com
