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Refinance Your Mortgage

Apply now
New family looking to refinance their home.

Refinancing your home loan is quick and easy when you’re a member of Hawaii State FCU. Let’s refinance your mortgage today.

Affordable Monthly Payments

Enjoy lower monthly payments with a lower rate and better terms.

Anywhere, Anytime Access

Log in to Online Banking or use the Mobile App to manage your mortgage.

Expert Advice and Servicing

Our mortgage team is here to answer questions and get what you need.

Fixed Rate Term

Rate

Points

APR

Fixed Rate Term

30 year

Rate

4.250%

Points

2.000%

APR

4.455%

Fixed Rate Term

30 year

Rate

4.500%

Points

1.000%

APR

4.621%

Fixed Rate Term

30 year

Rate

4.625%

Points

0.250%

APR

4.681%

Fixed Rate Term

30 year

Rate

4.750%

Points

-0.375%

APR

4.752%

Fixed Rate Term

15 year

Rate

3.625%

Points

1.750%

APR

3.944%

Fixed Rate Term

15 year

Rate

4.000%

Points

0.625%

APR

4.152%

Fixed Rate Term

15 year

Rate

4.125%

Points

0.250%

APR

4.222%

Fixed Rate Term

15 year

Rate

4.500%

Points

-0.625%

APR

4.500%

Calculators to help you save and spend smart

Mortgage Loan Options

Cash Out Refinance

A cash-out refinance replaces your existing mortgage loan with a new loan for more than you owe on your house by using the equity you’ve built up in your home. The difference goes to you in cash and you can spend it on home improvements, debt consolidation or just about any other financial need.

Shorten Loan Term

Refinance your mortgage to a shorter term to help pay off your loan faster. If you have a 30-year mortgage loan and refinance into a 15-year fixed rate loan you could pay off your mortgage faster and save money on interest over the life of the loan.

VA Guaranteed Loans

Fund a first mortgage under the Veterans Administration guaranteed loan program6 for up to 100% of the purchase price with no ongoing monthly mortgage insurance premium. Also enjoy additional flexibility with debt-to-income ratios and credit history.

  • For eligible active duty, retired and reservists
  • 100% financing up to $721,050 for one-unit Oahu properties
  • 100% financing up to $657,800 for one-unit Maui properties
  • Minimal funds for closing costs required

Apply Now

Click here to learn more about VA Home Loans >>

Fixed Rate Term

Rate

Points

APR

Fixed Rate Term

30 year

Rate

4.000%

Points

2.000%

APR

4.403%

Fixed Rate Term

30 year

Rate

4.250%

Points

1.250%

APR

4.591%

Fixed Rate Term

30 year

Rate

4.500%

Points

0.000%

APR

4.743%

Fixed Rate Term

30 year

Rate

4.625%

Points

-0.375%

APR

4.828%

Fixed Rate Term

15 year

Rate

3.625%

Points

2.625%

APR

4.432%

Fixed Rate Term

15 year

Rate

3.750%

Points

1.875%

APR

4.442%

Fixed Rate Term

15 year

Rate

3.875%

Points

1.500%

APR

4.511%

Fixed Rate Term

15 year

Rate

4.000%

Points

1.125%

APR

4.579%

Meet Your Refinance Experts

We’re here to help, contact a Mortgage Loan Officer today. You can also call our Member Service Call Center at (808) 587-2700 or Toll-free 1 (888) 586-1056 and select option “4”, or stop by any branch.

Ready to refinance your Mortgage?

Start Your Online Application

Apply now

Stop By One of Our Branches

Find a nearby location

Send Us Your Refinancing 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.

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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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