Rates > Home Loans > CONSTRUCTION Loans
Hawaii Central Rate Summary
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 7, 2026
YEAR
* APR = Annual Percentage Rate. Rates subject to change. 11.901% 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. 12 Estimated Interest-Only Payments of $687.50. 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. 10.427% 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. 24 Estimated Interest-Only Payments of $708.33. 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.