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    PEARL HAWAII mortgage rates

    PEARL HAWAII's lowest publicly advertised 30-year fixed rate today is 5.25% — the national average is 6.88%. That's about $151,285 saved over the life of a $400,000, 30-year loan. We track PEARL HAWAII daily and refresh rates every morning.

    Rates as of Sep 8, 2026

    Today's rates from PEARL HAWAII

    ProductRateAPRPointsAs ofSource
    30 Year Fixed5.25%5.466%2Sep 8, 2026Visit
    20 Year Fixed4.75%5.037%2Sep 8, 2026Visit
    15 Year Fixed4.75%5.115%2Sep 8, 2026Visit
    Visit PEARL HAWAII's rates page

    Rate history

    Lowest daily rate PEARL HAWAII advertised for each product, 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

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

    Hawaii

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

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