Rates > home Loans
Home Loan Rates
OWNER-OCCUPANT (HELOC)
Our Home Equity Line of Credit allows you to borrow against your home’s accumulated equity without disturbing your savings or other investments. These funds can be used for home improvements, to help pay for college tuition, or that long needed vacation. This revolving line-of-credit is a convenient way to borrow and make the most out of your home’s equity!
Rate Effective as of October 2, 2025
Up to 3 year Introductory rate
VARIABLE RATE (AS LOW AS)
Draw Period
YEAR
TERM
YEAR
*Introductory Annual Percentage Rate (“APR”) will be effective for the first 36 months from the date your new equity line account is open (“Introductory Period”). After the Introductory Period, the APR may vary any time and will be equal to the U.S. Prime Rate published in the Money Rates section of the Wall Street Journal, plus a 1.00% margin for a Combined Loan to Value (“CLTV”) of 80%. In no event will the APR be less than 4.25% or more than 18.00%. Offer subject to approval based on applicant’s creditworthiness and Hawaii Central Policy. Only residential property on Oahu is accepted as collateral. Hawaii Central will waive certain third-party closing costs (ranging an estimated $400-$600) such as Flood Determination, Title Insurance, Automated Valuation Model (“AVM”) and credit report. You may be required to pay other third-party closing cost for Appraisal Fee, Escrow, Title Insurance above $250, Trust Review, or other legal documentation, if applicable. Loans paid off and closed within 2-years from the loan recordation date will require reimbursement of all waived closing costs paid by Hawaii Central FCU. The minimum credit line is $10,000 with an initial draw of $10,000. The draw period is 15-years with a 30-year amortization period. You must carry insurance on the property securing the plan. If property is located in a Special Flood Hazard area, we will require you to obtain flood insurance. Hawaii Central Membership is required. Rate, terms and conditions are subject to change or cancellation without notice. Other terms and conditions may apply.
Contact our Mortgage Expert
Nanette Tim Sing
Office: (808) 529-4599
Mobile: (808) 285-4416
realestateloan@hawaiicentral.org
NMLS# 364813
1st Mortgage
Whether you're found your dream home or are still searching, our mortgage products offer competitive rates and personalized support every step of the way. We make homeownership more accessible with tailored solutions designed to fit your financial needs.
Rate Effective as of October 1, 2025
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 5.809% APR is based on a $100,000 loan amount with fixed payments amortized over 30 years. 360 Estimated Monthly Payments of $587.39. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.094% APR is based on a $100,000 loan amount with fixed payments amortized over 30 years. 360 Estimated Monthly Payments of $605.99. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.377% APR is based on a $100,000 loan amount with fixed payments amortized over 30 years. 360 Estimated Monthly Payments of $624.20. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.530% APR is based on a $100,000 loan amount with fixed payments amortized over 15 years. 180 Estimated Monthly Payments of $872.76. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.530% APR is based on a $100,000 loan amount with fixed payments amortized over 15 years. 180 Estimated Monthly Payments of $884.91. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 7.466% APR is based on a $100,000 loan amount with fixed payments amortized over 15 years. 180 Estimated Monthly Payments of $925.31. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
Fixed 2nd Mortgages
With low mortgage interest rates, now might be the perfect time to see if you can refinance at a lower rate or become a new homeowner. Our mortgage loans offer competitive rates and an experienced staff that will help you achieve your goals.
Rate Effective as of October 2, 2025
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 8.372% APR is based on a $100,000 loan amount with fixed, fully amortizing payments over a loan term of 15 years. Estimated monthly payment examples are principal and interest only and do not include other property expense (i.e. taxes, insurance, mortgage insurance, association & maintenance fees). The maximum credit line is $350,000 for loans up to 90% CLTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Federally insured by the NCUA. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 8.531% APR is based on a $100,000 loan amount with fixed payments amortized over 30 years but with a balloon payment due at the end of the 15 year loan term. Estimated monthly payment examples are principal and interest only and do not include other property expense (i.e. taxes, insurance, mortgage insurance, association & maintenance fees). The maximum credit line is $350,000 for loans up to 90% CLTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Federally insured by the NCUA. NMLS #412820.
Investor & 2nd Home Mortgages
Looking to expand your portfolio or secure your perfect vacation home? Our Investor/2nd Home Mortgage options offer competitive rates and streamlined approvals to help support your real estate goals. Contact our experienced Mortgage Loan Officer to help make your investment work for you.
Rate Effective as of October 1, 2025
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.53% APR is based on a $100,000 loan amount with fixed payments amortized over 15 years. 180 Estimated Monthly Payments of $872.76. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.747% APR is based on a $100,000 loan amount with fixed payments amortized over 15 years. 180 Estimated Monthly Payments of $884.91. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 6.963% APR is based on a $100,000 loan amount with fixed payments amortized over 15 years. 180 Estimated Monthly Payments of $897.15. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. NMLS #412820.
Vacant Land Loans
Found the perfect lot but aren’t ready to begin construction on your dream home yet? Our Land Loans can help you secure property even if you’re not quite ready to begin building just yet.
Rate Effective as of April 18, 2024
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 9.467% APR is based on a $100,000 loan amount with interest-only payments for a term of two years. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. The maximum credit line is $1,000,000 up to 75% LTV. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820.
Construction Loans
Whether you already have a contractor lined up or plan to be your own contractor, our Construction Loans can fit your specific needs! Although a bonded contractor is recommended, it is not required for our Construction Loans. From Owner/Builder to Contractors, our Construction Loans can help you build the home of your dreams.
Rate Effective as of October 2, 2025
YEAR
* APR = Annual Percentage Rate. Rates subject to change. 11.05% APR is based on a $100,000 loan amount with interest-only payments for a term of one year. The maximum credit line is $900,000 up to 80% LTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. Accrued interest is payable with each draw. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820.
YEARS
* APR = Annual Percentage Rate. Rates subject to change. 9.991% APR is based on a $100,000 loan amount with interest-only payments for a term of two years. The maximum credit line is $900,000 up to 80% LTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. Accrued interest is payable with each draw. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820.