Home state: Hawaii

    HONOLULU mortgage rates

    HONOLULU's lowest publicly advertised 30-year fixed rate today is 5% — the national average is 6.805%. That's about $166,229 saved over the life of a $400,000, 30-year loan. We track HONOLULU daily and refresh rates every morning.

    Rates as of Sep 4, 2026

    Today's rates from HONOLULU

    ProductRateAPRPointsAs ofSource
    30 Year Fixed5%5.279%2Sep 4, 2026Visit
    15 Year Fixed4.5%4.972%2Sep 4, 2026Visit
    5 Year ARM4.75%4.979%1.5Sep 4, 2026Visit
    7 Year ARM4.875%5.106%1.5Sep 4, 2026Visit
    10 Year ARM5%5.234%1.5Sep 4, 2026Visit
    30 Year Fixed Jumbo5%5.211%2Sep 4, 2026Visit

    Rate history

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

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

    Who can join HONOLULU

    Membership in Honolulu is open to current and retired employees of the City and County of Honolulu, employees of Maui County, or residents of Kauai. Eligibility also extends to Aloha Pacific FCU employees, students, faculty, and staff of Hawaii Pacific University, or students, faculty, and staff of the University of Nevada-Las Vegas (UNLV). Additionally, members of the 9th Island Cultural Club of Las Vegas, members of Nevada PEP Inc., and members of over 2,800 Select Employee Groups (SEGs) including HGEA, Waipahu Community Association, COSTCO stores on Oahu, Sea Life Park Hawaii, AOAO Harbor Court, and Hawaii Pacific Health are eligible. Immediate family members or household members of existing members or qualifying employees, and organizations composed of such persons, can also join.

    Employer
    City and County of Honolulu, Maui County, Aloha Pacific FCU, Hawaii Pacific University, University of Nevada-Las Vegas, HGEA, COSTCO stores on Oahu, Sea Life Park Hawaii, AOAO Harbor Court, Hawaii Pacific Health
    Association / SEG
    9th Island Cultural Club of Las Vegas, Nevada PEP Inc., Waipahu Community Association
    County
    Kauai County, HI

    Where HONOLULU writes mortgages

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

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

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