Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Hawaii
Daily average across every credit union lending in HI, past 90 days. Dashed line is the national FRED benchmark, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage 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
Hawaii State Federal Credit Union is primarily open to state and county employees in Hawaii, as well as their family and household members.
Membership is open to anyone who lives, works, worships, or attends school in Honolulu County (the Island of Oahu), as well as employees of the credit union and their immediate family members.
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.
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.
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, 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 is open to current and retired employees of the City and County of Honolulu and Maui County employees. Residents of Kauai are also eligible, along with students, faculty, and staff of Hawaii Pacific University and the University of Nevada-Las Vegas (UNLV). Additionally, members of 9th Island Cultural Club of Las Vegas and Nevada PEP Inc. can join, as well as those affiliated with over 2
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.
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.
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Hawaiistarting around 11 a.m. Central.
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.
How do credit union mortgage rates in Hawaii compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 29 credit unions listed here lending in Hawaii with a 30-year fixed mortgage, 11 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 11, the median rate is 6.875% and the lowest is 6%, at PEARL HAWAII. 10 of the 11 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.