CU RateFinder
    Credit union mortgage rates
    Home state: Hawaii
    Lends in 1 state

    HFS mortgage rates

    HFS's lowest publicly advertised 30-year fixed rate today is 6.5% APR — the national average is 7.147%. That's about $62,116 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 HFS's rates every weekday, starting around 11 a.m. Central.

    We last read HFS's rates page on Nov 2, 2026.

    Today's rates from HFS

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.5%6.5%—Nov 2, 2026Visit
    15 Year Fixed6%6%—Nov 2, 2026Visit
    Visit HFS's rates page

    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 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

    HFS publishes mortgage lending in 1 state.

    Hawaii

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

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