Today's rate snapshot
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How rates trended in Hawaii
Daily average across every credit union lending in HI, past 90 days. Dashed line is the national FRED benchmark.
30 Year Fixed rates in Hawaii
Credit unions lending in 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 spouse
Membership is open to individuals in the field of education (employee, retiree, student, or student's parent in most Hawaii schools, pre-K through 12th grade) or those affiliated with one of HawaiiUSA's 10,000+ Select Employee Groups (SEGs). Immediate family members of a current HawaiiUSA member are also eligible. The credit union also states its membership includes employees, retirees, students,
Membership at the University of Hawai`i Federal Credit Union is available to students, alumni, faculty, and staff of the University of Hawai`i system and the East-West Center. Employees of several local schools and healthcare facilities, as well as family members and those in the same household as existing members, are also eligible to join.
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.
Affinity Federal Credit Union is open to anyone nationwide who makes a one-time $5 donation to the Affinity Foundation or joins a qualifying association. Employees of over 2,000 partner businesses and family members of current members are also eligible to join.
Transportation Federal Credit Union is open to employees of the Department of Transportation and various transportation-related agencies. Anyone else in the U.S. can become eligible by joining the American Consumer Council (ACC).
MIT Federal Credit Union is open to the MIT community, including students, employees, and alumni, as well as several partner organizations like Draper and Lincoln Labs. Anyone else in the U.S. can also qualify for membership by joining the American Consumer Council during the application process.
Membership is open to anyone who lives, works, worships, or attends school on the Island of Molokai, Hawaii. Employees of the credit union, their immediate family members, and local businesses are also eligible to join.
Membership at Nuvision Credit Union is typically available to employees of select partner companies, their families, and individuals living or working in specific communities in California, Alaska, and other regions, though specific geographic details were not listed in the source provided.
Membership is open to individuals who live, work, worship, or attend school in Hawaii County (the Big Island). Family members of current credit union members are also eligible to join.
See which of these credit unions you can join
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Common questions
Daily. We re-scrape the publicly posted rate pages from every credit union that lends in Hawaii every morning.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.