Best mortgage rates in Hawaii this week
Current posted rates from credit unions Hawaii residents can join, with APR, points, and eligibility shown. Borrower comparisons will appear as quotes are contributed.
Data as of 4d ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Sundays).
30-yr rates in Hawaii over time
best available ▲ 1.63 since Aug 10Credit union posted rates Hawaii residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
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Payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $670,000 loan · held 5 yrs| Credit union | Rate | This week | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|---|
| Navy Federal Credit Unionjoin → | 7.000% | ▼ 0.75 | 0.88 | Conventional · 30-yr | $273,348 | best |
| PenFed Credit Unionjoin → | 7.000% | flat | 1.13 | Conventional · 30-yr | $275,023 | +$1,675 |
| HAWAII STATE Credit Union | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $277,535 | +$4,187 |
| Connexus Credit Unionjoin → | 7.125% | ▼ 0.125 | 1 | Conventional · 30-yr | $277,535 | +$4,187 |
| HFS Credit Unionjoin → | 7.500% | ▲ 0.125 | 0 | Conventional · 30-yr | $281,084 | +$7,737 |
| Digital Federal CU (DCU)join → | 7.625% | ▼ 0.25 | 0 | Conventional · 30-yr | $284,533 | +$11,185 |
Conventional
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.000% | ▼ 0.75 | 7.189% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 7.000% | flat | 7.192% | 30y | 1.13 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
| 7.125% | ▼ 0.125 | 7.605% | 30y | 1 | HAWAII STATE Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 4d ago |
| 7.125% | ▼ 0.125 | 7.289% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 4d ago |
| 7.500% | ▲ 0.125 | 7.702% | 30y | 0 | HFS Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 4d ago |
| 7.625% | ▼ 0.25 | 7.748% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 6.250% | ▼ 0.125 | 6.389% | 15y | 0.88 | HAWAII STATE Credit Union | Employer-restricted membership — check the CU's membership page for the list of eligible employers, associations, and family relationships that qualify. | 4d ago |
| 6.375% | flat | 6.635% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 4d ago |
| 6.375% | ▲ 0.125 | 6.614% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 6.875% | ▲ 0.125 | 7.190% | 15y | 0 | HFS Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 4d ago |
| 7.000% | flat | 7.193% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 6.875% | ▼ 0.25 | 7.087% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 4d ago |
| 7.000% | flat | 7.270% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.500% | ▼ 0.125 | 7.658% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
FHA · 1 rate
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.500% | flat | 7.441% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
VA · 4 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 6.625% | ▼ 1 | 7.098% | 30y | 0.75 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 6.625% | flat | 6.917% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
| 7.125% | ▲ 0.125 | 7.448% | 30y | 0 | HFS Credit Union | Open to residents of the credit union's chartered area — verify the specific counties or regions on the CU's membership page. | 4d ago |
| 6.250% | ▲ 0.125 | 6.961% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
Jumbo · 7 rates
For loan amounts above the conforming limit ($1,249,125 statewide in Hawaii). Tighter underwriting.
| Rate | This week | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|---|
| 7.125% | ▲ 0.125 | 7.255% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 4d ago |
| 7.250% | ▼ 0.875 | 7.441% | 30y | 0.88 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 7.500% | ▼ 0.125 | 7.512% | 30y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 6.875% | ▲ 0.125 | 7.118% | 15y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 4d ago |
| 7.000% | flat | 7.019% | 15y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.000% | flat | 7.027% | 10y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
| 7.375% | ▼ 0.125 | 7.391% | 20y | 0 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 4d ago |
What would you pay at Hawaii’s best rate?
At 7.000% (PenFed Credit Union, 30-yr conventional) — principal & interest only.
What to know about getting a mortgage in Hawaii
Hawaii has the nation’s highest median home price but its lowest effective property-tax rate, and — like Alaska — the higher FHFA conforming ceiling applies statewide. A large share of the market is leasehold or condo property, both of which carry lender-specific rules; confirm a lender handles your property type before comparing rates.
Hawaii is one of the two states where the higher FHFA conforming ceiling applies statewide: loans up to $1,249,125 (single-family, 2026) still price as conforming here, well above the $832,750 limit in most of the country.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
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Frequently asked: mortgages in Hawaii
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Hawaii right now?+
The lowest conventional 30-year rate we're tracking in Hawaii this week that anyone can join is 7.000% from PenFed Credit Union, 0.40% below the U.S. average of 7.400%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type. Credit unions with restricted membership (military or employer-based) sometimes post lower; those are listed below with their eligibility.
How much do you need to put down for a house in Hawaii?+
The median home price in Hawaii is about $840,000, so 20% down is roughly $168,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Hawaii residents join for a mortgage?+
Hawaii residents can currently get posted mortgage rates from Navy Federal Credit Union, PenFed Credit Union, HAWAII STATE Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Hawaii have?+
Hawaii's housing finance agency is the Hawaii Housing Finance and Development Corporation. HHFDC administers the Hula Mae loan program and down-payment assistance for qualifying Hawaii residents. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Hawaii?+
Hawaii is one of the states where the higher FHFA conforming ceiling applies statewide: $1,249,125 for a single-family home in 2026. Loans above that are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Hawaii?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Hawaii residents, and credit-union rates are copied straight from each lender's public rate sheet.
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