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    HAWAIIUSA mortgage rates

    HAWAIIUSA's lowest publicly advertised 30-year fixed rate today is 6.651% APR — the national average is 7.147%. That's about $47,769 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 HAWAIIUSA's rates every weekday, starting around 11 a.m. Central.

    We last read HAWAIIUSA's rates page on Nov 2, 2026. HAWAIIUSA dates its published rate sheet Nov 1, 2026.

    Today's rates from HAWAIIUSA

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.25%6.651%2.25Nov 2, 2026
    Lender's sheet dated Oct 30, 2026
    Visit
    15 Year Fixed5.5%6.049%1.625Nov 2, 2026
    Lender's sheet dated Oct 30, 2026
    Visit
    30 Year Fixed Jumbo6.375%6.766%2.125Nov 2, 2026
    Lender's sheet dated Oct 30, 2026
    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 HAWAIIUSA

    Membership is open to individuals in the field of education (employee, retiree, student, or student's parent in most Hawaii schools, pre-K through 12th grade) or those affiliated with one of HawaiiUSA's 10,000+ Select Employee Groups (SEGs). Immediate family members of a current HawaiiUSA member are also eligible. The credit union also states its membership includes employees, retirees, students, and their parents of a majority of schools on Oahu, Maui, the Big Island, and Kauai, as well as a large number of companies and associational groups.

    Family of a member
    Immediate family of a HawaiiUSA member

    Where HAWAIIUSA writes mortgages

    HAWAIIUSA publishes mortgage lending in 1 state.

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

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