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    PEARL HAWAII mortgage rates

    PEARL HAWAII's lowest publicly advertised 30-year fixed rate today is 5.973% APR — the national average is 7.147%. That's about $111,439 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 PEARL HAWAII's rates every weekday, starting around 11 a.m. Central.

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

    Today's rates from PEARL HAWAII

    ProductRateAPRPointsWe readSource
    30 Year Fixed5.75%5.973%2Nov 2, 2026Visit
    20 Year Fixed5.1%5.146%0Nov 2, 2026Visit
    15 Year Fixed5.375%5.434%0Nov 2, 2026Visit
    Visit PEARL HAWAII'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 PEARL HAWAII

    Membership in Pearl Hawaii Federal Credit Union is open to individuals who live, work, worship, or attend school on O'ahu. Immediate family members of eligible individuals, including spouse, child, parent, grandparent, grandchild, sibling, and those related through step, adoptive, or foster relationships, also qualify. Additionally, household members of eligible individuals can join, as can spouses of individuals who died while within the field of membership. Once joined, membership is lifelong as long as accounts are maintained in good standing.

    Family of a member
    Family member (spouse, child, parent, grandparent, grandchild, sibling; incl. step/adoptive/foster) of an eligible person, Household member of an eligible person
    County
    Honolulu, HI

    Where PEARL HAWAII writes mortgages

    PEARL HAWAII 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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