Save on various mortgages with fixed or adjustable rates, plus home equity lines of credit.

The latest rates from HawaiiUSA FCU

Conventional Fixed Mortgage Rates

Last updated: June 14, 2024
Program Rate Points Payment* APR
30 Year Fixed Rate6.500%1.500$632.076.772%
15 Year Fixed Rate5.875%1.750$837.126.351%

*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.

Initial Fixed-Rate, Interest-Only HELOC Options

Last updated: January 31, 2024
Initial Fixed Term Initial Fixed Rate (APR**) Current Variable Rate (APR***)
2 year7.50%9.00%
5 year8.50%9.00%

** 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. Discounts are applied to the initial fixed rate. HawaiiUSA membership defined as an active, primary Prime Share account holder in good standing.

***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 February 1, 2024 and subject to change at any time.

Interest-Only Jumbo HELOC Rates

Initial Fixed HELOC Term Initial Fixed Interest Rate (APR) Current Variable Interest Rate (APR††)
2 Year HELOC7.50%9.00%
5 year HELOC8.50%9.00%

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. Discounts are applied to the initial fixed rate. HawaiiUSA membership defined as an active, primary Prime Share account holder in good standing.

†† 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 February 1, 2024 and subject to change at any time.

Interest-Only Investor or Second Home HELOC Rates

Initial Fixed Term Initial Fixed Rate (APR) Current Variable Rate (APR‡‡)
2 Year8.00%10.50%
5 Year9.00%10.50%

 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. Discounts are applied to the initial fixed rate. HawaiiUSA membership defined as an active, primary Prime Share account holder in good standing.

‡‡ 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 February 1, 2024 and subject to change at any time.

Interest-Only HELOC Plus

Initial Fixed Term Initial Fixed Rate (APR) Current Variable Rate (APR§)
N/AN/A10.50%

§ 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 February 1, 2024 and subject to change at any time.