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.

** A .50% rate discount applies for lines in 1st lien position. A .10% discount will be given for each full year as a HawaiiUSA member, up to 5 years, maximum .50% rate discount. HawaiiUSA membership defined as an active, primary Prime Share account holder in good standing. A .25% discount will be offered for auto pay from a HawaiiUSA FCU eLife Checking or Kasasa Cash Back^® Checking Account. Maximum discount of up to 1.25% off will apply to the Initial Fixed Terms only.

***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. 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 September 30, 2024 and subject to change at any time.

^† A .50% rate discount applies for lines in 1st lien position. A .10% discount will be given for each full year as a HawaiiUSA member, up to 5 years, maximum .50% rate discount. HawaiiUSA membership defined as an active, primary Prime Share account holder in good standing. A .25% discount will be offered for auto pay from a HawaiiUSA FCU eLife Checking or Kasasa Cash Back® Checking Account. Maximum discount of up to 1.25% off will apply to the Initial Fixed Terms only.

^†† 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. 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 September 30, 2024 and subject to change at any time.

^‡ A .50% rate discount applies for lines in 1st lien position. A .10% discount will be given for each full year as a HawaiiUSA member, up to 5 years, maximum .50% rate discount. HawaiiUSA membership defined as an active, primary Prime Share account holder in good standing. A .25% discount will be offered for auto pay from a HawaiiUSA FCU eLife Checking Account or Kasasa Cash Back^® Checking Account. Maximum discount of up to 1.25% off will apply to the Initial Fixed Terms only.

^‡‡ 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. 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 September 30, 2024 and subject to change at any time.

^§ 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. 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 Septemebr 30, 2024 and subject to change at any time.