Mortgage Rates

*Monthly principal and interest payment per $100,000 borrowed. All rates are based on a 30-day lock for owner-occupant 1st mortgage loans with a 20% down payment. Payment does not include property taxes or insurance. Your actual rate and points may differ based on various factors such as when your rate is locked, occupancy status, loan purpose, loan amount, credit score and loan-to-value ratio. Rates and terms are subject to change or cancellation without notice.

*Monthly principal and interest payment per $100,000 borrowed. All rates are based on a 30-day lock for owner-occupant 1st mortgage loans with a 20% down payment. Payment does not include property taxes or insurance. Your actual rate and points may differ based on various factors such as when your rate is locked, occupancy status, loan purpose, loan amount, credit score and loan-to-value ratio. Rates and terms are subject to change or cancellation without notice.

** As low as rate reflects a .25% rate discount applied for lines in 1st lien position.

***After the Initial Fixed Term, the annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less. You must pay certain fees to open the plan. These fees generally total between $400.00 and $1,400.00. Some fees can be waived with a minimum $25,000 draw and keeping the line open for 3 years. There is no annual fee or prepayment penalty. You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance. LTVs up to 80%. HawaiiUSA Membership is required. Other restrictions may apply. Rates are effective February 1, 2026, and subject to change at any time.

HELOC Renewal Program: Eligible HELOCs must be secured by an owner-occupied primary residence.  Subsequent promotional rates may be given during the first 10 years of the HELOC (the draw period).  After the draw period, the annual percentage rate will be based on the value of an index plus margin.  Borrowers must follow the terms of their original agreement and not default to be eligible for a new promotional period.

^† As low as rate reflects a .25% rate discount applied for lines in 1st lien position

^†† After the Initial Fixed Term, the annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less. You must pay certain fees to open the plan. These fees generally total between $400.00 and $1,400.00. Some fees can be waived with a minimum $25,000 draw and keeping the line open for 3 years. There is no annual fee or prepayment penalty. You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance. LTVs up to 75%. HawaiiUSA Membership is required. Other restrictions may apply. Rates are effective February 1, 2026, and subject to change at any time.

HELOC Renewal Program: Eligible HELOCs must be secured by an owner-occupied primary residence.  Subsequent promotional rates may be given during the first 10 years of the HELOC (the draw period).  After the draw period, the annual percentage rate will be based on the value of an index plus margin.  Borrowers must follow the terms of their original agreement and not default to be eligible for a new promotional period.

^‡ As low as rate reflects a .25% rate discount applied for lines in 1st lien position

^‡‡ After the Initial Fixed Term, the annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less. You must pay certain fees to open the plan. These fees generally total between $400.00 and $1,400.00. Some fees can be waived with a minimum $25,000 draw and keeping the line open for 3 years. There is no annual fee or prepayment penalty. You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance. LTV up to 75%. HawaiiUSA Membership is required. Other restrictions may apply. Rates are effective February 1, 2026, and subject to change at any time.

HELOC Renewal Program: Eligible HELOCs must be secured by an owner-occupied primary residence.  Subsequent promotional rates may be given during the first 10 years of the HELOC (the draw period).  After the draw period, the annual percentage rate will be based on the value of an index plus margin.  Borrowers must follow the terms of their original agreement and not default to be eligible for a new promotional period.

^# The annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less. You must pay certain fees to open the plan. These fees generally total between $400.00 and $1,400.00. Some fees can be waived with a minimum $25,000 draw and keeping the line open for 3 years. There is no annual fee or prepayment penalty. You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance. LTVs up to 90%. HawaiiUSA Membership is required. Other restrictions may apply. Rates are effective February 1, 2026, and subject to change at any time.