All rates are effective 04/10/2026. Updated at 8:00 AM HST. Advertised interest rates reflect standard pricing.
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:
Conventional 30 Year payment example: For a loan of $100,000 at 6.500% interest rate, no points, and an APR 6.650%, the monthly principal and interest payment is $632. The total of all interest payments for 30 years is $127,544.00 and the total of all payments for 30 years is $227,544.00. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
If you have any questions please email: MLO@hsfcu.com
