Home state: Hawaii
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    HAWAII STATE mortgage rates

    HAWAII STATE's lowest publicly advertised 30-year fixed rate today is 5.905% APR — the national average is 7.147%. That's about $117,717 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read HAWAII STATE's rates every weekday, starting around 11 a.m. Central.

    We last read HAWAII STATE's rates page on Nov 2, 2026. HAWAII STATE dates its published rate sheet Nov 2, 2026.

    Today's rates from HAWAII STATE

    ProductRateAPRPointsWe readSource
    30 Year Fixed5.625%5.905%2Nov 2, 2026
    Lender's sheet dated Mar 12, 2025
    Visit
    15 Year Fixed5.25%5.521%0.75Nov 2, 2026
    Lender's sheet dated Mar 12, 2025
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join HAWAII STATE

    Hawaii State Federal Credit Union is primarily open to state and county employees in Hawaii, as well as their family and household members.

    Employer
    State of Hawaii, City and County of Honolulu

    Where HAWAII STATE writes mortgages

    HAWAII STATE publishes mortgage lending in 1 state.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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