September 21, 2021

Conventional Fixed






30 Year Fixed Rate 3.000% 0.125 $421.60 3.098%
15 Year Fixed Rate 2.375% 0.000 $660.92 2.531%


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Conventional Adjustable Rate Mortgages (ARMs)

ARM Programs Available, please call for more information



Jumbo Programs Available, please call for more information







15 Yr. Fixed 2nd 4.500% 0.000 $764.99 4.581%
20 Yr. Fixed 2nd 5.000% 0.000 $659.96 5.067%

First Time Home Buyers

Please call for available rates





Initial Fixed-Rate HELOC Options 1

Initial Fixed Term Initial Fixed Rate (APR***) Current Variable Rate (APR****)
2 year 2.25% 4.25%
3 year 3.00% 4.25%
  • Term: 15 year (5-year draw period with a 15-year amortization)
  • Credit Limit: $10,000 to $500,000
  • Minimum Advance: $250




All rates are based on a 30 day lock for owner-occupant 1st mortgage loans with a 20% down payment. Annual Percentage Rates (APR) are based on loan amounts of $200,000 for conventional. Rates and terms are subject to change or cancellation without notice. Other loan products available. Certain restrictions may apply.

*Max LTV of 80% for 15-year fixed second mortgage to qualify for 4.50%. For LTVs greater than 80%, the 15-year fixed second mortgage rate is 5.25%. Max LTV of 80% for 20-year fixed second mortgage to qualify for 5.00%. For LTVs greater than 80%, the fixed second mortgage rate is 5.75%.

**Payment amounts are based on a loan amount of $100,000. 15-year fixed second mortgage APR based on a minimum of 20% down payment. 180-month principal and interest payment of $764.99 per $100,000 borrowed. 20-year fixed second mortgage APR based on a minimum of 20% down payment. 240-month principal and interest payment of $659.96 per $100,000 borrowed. Maximum loan amount $200,000. Information provided is for informational and comparative purposes only. Interest rates, annual percentage rates, and points are subject to change without prior notice. Monthly payment examples do not include property tax, property insurance, homeowner or maintenance premiums and mortgage insurance; the actual monthly payment will be greater.

*** APR = Annual Percentage Rate

SECOND MORTGAGE: 180 month principal and interest payment of $791.04 per $100,000 borrowed. Maximum loan amount $500,000.

HOME EQUITY LINE OF CREDIT (“HELOC”): Annual Percentage Rate (APR) as low as 2.25% fixed for 2 years, from the date your new home equity line of credit (HELOC) account is opened (initial fixed-rate term). After the initial fixed-rate term, the interest rate may vary on a quarterly basis on the statement cycle date of February, May, August, and November. The APR will equal the index, which is the weekly average yield on US Treasury Security adjusted to a constant maturity of one year, plus a margin of 2.50%, rounded up to the nearest 0.25%. The current index is 0.16% as of 9/1/2020. The current non-discounted fully indexed variable APR as of 9/1/2020 is 4.00%. The rate cannot increase or decrease more than 1.00% at each quarterly rate adjustment but may exceed that for the single adjustment at the end of a promotional discounted rate period. In no event will the APR be less than 4.25%, the floor rate, nor higher than 18.00% or the maximum permitted by law, whichever is less. HawaiiUSA FCU charges no credit union closing cost; however, you will be required to pay certain fees to third parties at closing that may range from $0 - $1,500. These fees if required include, but are not limited to, title insurance, escrow fees, recording fee, trust review and trust documentation, mortgage or other document preparation fees, and property evaluation. May inquire for more details on the listed services. We will use a property evaluation to determine the property value. If the value is not sufficient, an appraisal will be required at your expense with the estimated cost varying from $500 to $1,500 depending on the property. When an initial draw of a minimum $25,000 or more new monies is advanced at opening, certain third party fees may be waived (fees waived include valuation assessment, title insurance, recordation, credit report and flood certification/tracking) when you agree to maintain the account balance less normal minimum monthly payments for a period of six-months from opening and do not close the loan within three (3) years from opening. Hawaii properties must be fee simple and owner occupied to qualify. Maximum loan amount is lesser of $500,000 or up to 80% of your home value. Higher LTV programs are available with price adjustments. HELOC has a five-year draw period with a 15-year amortized repayment (principal and interest payment). Minimum monthly payment is $150. You must carry fire, hurricane & flood (if applicable) insurance on the property that secures the credit at homeowners’ expense. No annual fee or prepayment penalty. HawaiiUSA FCU membership is required (minimum $5 share account). Program subject to change or discontinuation without notice.

HOME IMPROVEMENT LOAN/GREEN LOAN. All proceeds must be for home improvements to owner occupied principal residence; invoice receipts or contracts should be reviewed to verify proceeds used for home improvement purposes. 70% or more of loan proceeds must be for green products and installation cost. Collect $41 filing fee for UCC F/S to be recorded for loans of $25,000 or more for photo voltaic systems. Option for a one-time re-amortization of the remaining balance within the remaining terms of the original maturity after principal reduction is available within the first 24 months of loan origination. UCC F/S expired in 5 yrs- UCC F/S renewal extension not required for remaining term. Loans to finance leasing of PV units for the purpose of purchasing electrical rates from leasing company shall be limited to terms of 7 years or less. Loan must be with tax credits for PV systems. UCC Financial Statement to be filed. 5/15 Yr. balloon loan is only available for outright purchases of the PV system. Borrowers should be advised of pay-off requirement at 5 year maturity. Discount on 60 Mo HIM/Green Loan not applicable. Discount on 5/15yr balloon applicable. We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act.