State rate guide
Best loan rates in Hawaii
26 lenders with published rates lend in Hawaii. Every figure below is a lender-published rate tracked by LoanMate.ai and verified October 16, 2026. The lowest published 30-year fixed purchase rate available in Hawaii is 6.5% from HawaiiUSA Federal Credit Union, versus a national median of 7%.
Lowest published rates in Hawaii
| Product | Best rate | Lender | National median |
|---|---|---|---|
| 30-year fixed | 6.5% | HawaiiUSA Federal Credit Union | 7% |
| 15-year fixed | 5.625% | HawaiiUSA Federal Credit Union | 6.625% |
| 20-year fixed | 6.5% | Veterans United Home Loans | 6.75% |
| 30-year fixed refinance | 6.375% | AmeriSave Mortgage | 7% |
| 5/1 ARM | 5.625% | University of Hawaii Federal Credit Union | 5.933% |
| 7/6 ARM | 6.625% | Bank of Hawaii | 6.625% |
| HELOC | 6.5% | Pearl Hawaii Federal Credit Union | 7% |
| New auto loan · 60 months | 5.25% | University of Hawaii Federal Credit Union | 5.49% |
| Used auto loan · 60 months | 5.84% | Alliant Credit Union | 6.25% |
| Unsecured personal loan · 36 months | 9.19% | PNC Bank | 11.165% |
| Unsecured personal loan · 60 months | 9.59% | PNC Bank | 11.25% |
Lenders lending in Hawaii
| Lender | Type | Products tracked | Lowest published rate |
|---|---|---|---|
| Hawaii Law Enforcement Federal Credit Union | Lender | 4 | 4.25% (New auto loan) |
| University of Hawaii Federal Credit Union | Lender | 14 | 4.75% (New auto loan · 36 months) |
| Pearl Hawaii Federal Credit Union | Lender | 4 | 5% (New auto loan) |
| Alliant Credit Union | Credit union | 11 | 5.49% (New auto loan · 60 months) |
| BMO Bank | Bank | 3 | 5.49% (HELOC · INTRO) |
| HFS Federal Credit Union | Lender | 1 | 5.5% (New auto loan) |
| Maui Federal Credit Union | Lender | 2 | 5.5% (New auto loan) |
| HawaiiUSA Federal Credit Union | Lender | 3 | 5.625% (15-year fixed) |
| PNC Bank | Bank | 6 | 5.74% (HELOC · INTRO) |
| Veterans United Home Loans | Lender | 4 | 5.875% (15-year fixed) |
| First Hawaiian Bank | Lender | 2 | 5.95% (New auto loan) |
| Rocket Mortgage | Lender | 3 | 5.99% (15-year fixed) |
| Chase | Bank | 4 | 6.24% (Used auto loan) |
| American Savings Bank | Lender | 4 | 6.25% (15-year fixed) |
| AmeriSave Mortgage | Lender | 1 | 6.375% (30-year fixed refinance) |
| Bank of Hawaii | Lender | 5 | 6.5% (15-year fixed) |
| Wells Fargo | Bank | 2 | 6.74% (Unsecured personal loan) |
| U.S. Bank | Bank | 2 | 6.81% (New auto loan · 60 months) |
| Consumers Credit Union | Credit union | 2 | 6.875% (30-year fixed) |
| PenFed Credit Union | Credit union | 1 | 7% (HELOC) |
| Honolulu Federal Credit Union | Lender | 1 | 7.25% (HELOC) |
| Flagstar Bank | Bank | 1 | 7.49% (HELOC) |
| New American Funding | Lender | 1 | 7.5% (30-year fixed refinance) |
| LightStream | Lender | 1 | 7.74% (New auto loan) |
| Guaranteed Rate | Lender | 1 | 8.65% (HELOC) |
| Prosper | Lender | 1 | 8.99% (Unsecured personal loan) |
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