Mortgage Rates

Rates for our ohana

We'll help you save money on your next mortgage

Hawaii Community Federal Credit Union's mortgage rates are structured to provide the most value for your money, whether you're buying a home or refinancing. We're here to help you every step of the way.
Mortgage Rates
Effective Date: February 7, 2023
Program Rate Points Payment* APR* 1st Adj Rate** 1st Adj Payment**
3/6 ARM Owner-Occupied4.375%0.000$998.576.449%7.125%$1,319.98
5/6 ARM Owner-Occupied4.625%0.000$1,028.286.175%7.125%$1,305.59
7/6 ARM Owner-Occupied4.750%0.000$1,043.295.952%7.125%$1,290.90
HELOC
Effective Date: February 7, 2023
Program Rate Points Payment* APR* 1st Adj Rate*** 1st Adj Payment***
HELOC Owner-Occupied 1 year Fixed3.000%0.000$948.427.749%8.125%$1,560.23
HELOC Owner-Occupied 3 year Fixed4.625%0.000$1,125.907.377%8.125%$1,560.23
HELOC Owner-Occupied 5 year Fixed4.750%0.000$1,140.237.005%8.125%$1,560.23
HELOC Owner-Occupied 7 year Fixed5.000%0.000$1,169.187.066%8.125%$1,560.23
Jumbo
Effective Date: February 7, 2023
Program Rate Payment* APR* 1st Adj Rate** 1st Adj Payment**
3/6 ARM Owner-Occupied4.500%$3,293.456.470%7.125%$4,294.74
5/6 ARM Owner-Occupied4.750%$3,390.716.213%7.125%$4,251.03
7/6 ARM Owner-Occupied4.875%$3,439.856.004%7.125%$4,206.38
Balloon
Effective Date: February 7, 2023
Program Rate Points Payment* APR* 1st Adj Rate** 1st Adj Payment**
5/30 Balloon Owner-Occupied14.625%0.000$1,028.284.625%N/AN/A
5/30 Balloon Investor25.750%0.000$1,167.155.744%N/AN/A
5/30 Vacant Land36.250%0.000$1,231.436.242%N/AN/A
Jumbo 5/30 Balloon Owner-Occupied44.750%0.000$3,390.714.725%N/AN/A
Jumbo 5/30 Balloon Investor55.875%0.000$3,845.005.844%N/AN/A

1Rate and Payments based upon $200,000.00 borrowed, repaid over five years with a $199,563.01 balloon due at maturity.
2Rate and Payments based upon $200,000.00 borrowed, repaid over five years with a $199,480.82 balloon due at maturity.
3Rate and Payments based upon $200,000.00 borrowed, repaid over five years with a $199,439.73 balloon due at maturity.
4Rate and Payments based upon $650,000.00 borrowed, repaid over five years with a $649,232.53 balloon due at maturity.
5Rate and Payments based upon $650,000.00 borrowed, repaid over five years with a $648,943.15 balloon due at maturity.

Hawaii Community Federal Credit Union does not guarantee the availability of any particular interest rate, and any interest rate information provided to you is solely for your information and may be changed by Hawaii Community FCU at any time. Certain conditions apply. The rates and information are based on a variety of assumptions and conditions and will depend upon the specific characteristics of your mortgage loan and credit profile.

* Payment amount and APR based on $650,000 for Jumbo and $200,000 for all others.

**The 1st Adjusted Rate and 1st Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The First Adjusted Rate and First Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rates (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75% for 30-year loans.

***The 1st Adjusted Rate and 1st Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The First Adjusted Rate and First Adjusted Payment may differ when the term for your initial rate expires. HELOC loans will change on the adjustment dates and will be equal to the current Weekly Auction High of 3-month U.S.T-Bill, plus a margin of 3.50% subject to a floor of 5.00%. Maximum 15.00% APR.
Frequently Asked Questions

You can apply for a loan online or in-person at a branch.
 

We offer mortgage, land, construction, small business, educational, personal, auto, and credit card loans.
 

Our current loan rates can be found on our rates page.

 
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