All rates are effective September 17, 2025. Updated at 9:45 AM HST. These rates are market indicators, and they are subject to change throughout the day.
Annual Percentage Rate = APR
All Interest rates are based on 45-day lock for owner-occupant 1st mortgage single-family detached property purchase loans with a 20% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types, property types, and credit score tiers. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. APR’s are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Available to Hawaii residents only, and only for property in Hawaii.
Payment example:
For a 15-year loan for $100,000 at 6.500% interest rate, no points, and an APR of 6.692%, the monthly principal and interest payment is $871. The total of all interest payments for 15 years is $56,799 and the total of all payments for 15 years is $156,799. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 30-year loan for $100,000 at 6.875% interest rate, no points, and an APR 6.994%, the monthly principal and interest payment is $657. The total of all interest payments for 30 years is $136,493 and the total of all payments for 30 years is $236,493. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316
If you have any questions please email: MLO@hsfcu.com
