Home state: Hawaii

    HAWAIIUSA mortgage rates

    HAWAIIUSA's lowest publicly advertised 30-year fixed rate today is 6% — the national average is 6.88%. That's about $83,106 saved over the life of a $400,000, 30-year loan. We track HAWAIIUSA daily and refresh rates every morning.

    Rates as of Feb 1, 2026

    Today's rates from HAWAIIUSA

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6%6.574%2.375Sep 10, 2026Visit
    15 Year Fixed5.125%5.904%2.25Sep 10, 2026Visit
    30 Year Fixed Jumbo6.125%6.691%2.25Sep 10, 2026Visit

    Rate history

    Lowest daily rate HAWAIIUSA advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with HAWAIIUSA.

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

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