Home state: Hawaii

    HFS mortgage rates

    HFS'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 HFS daily and refresh rates every morning.

    Today's rates from HFS

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6%Sep 11, 2026Visit

    Rate history

    Lowest daily rate HFS advertised for each product, past 90 days.

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

    Who can join HFS

    Membership is open to anyone who lives, works, worships, attends school, or volunteers on the island of Hawai‘i. Family members of current members and employees of the credit union are also eligible to join.

    Employer
    HFS Federal Credit Union

    Where HFS writes mortgages

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

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

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