Hawaiiusa Credit Union

Honolulu, Hawaii
Last verified: August 4, 2026
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Verified rate book

Current Hawaiiusa Credit Union rates

45 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

8 offers
Hawaiiusa Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed5.750% APR5.750%—Standard
Jumbo 30-Year Fixed30 year fixed5.875% APR5.875%—Standard
Jumbo 30-Year Fixed30 year fixed6.000% APR6.000%—Standard
Jumbo 30-Year Fixed30 year fixed6.125% APR6.125%—Standard
Jumbo 30-Year Fixed30 year fixed6.125% APR6.125%—Standard
Jumbo 30-Year Fixed30 year fixed6.250% APR6.250%—Standard
Jumbo 30-Year Fixed30 year fixed6.375% APR6.375%—Standard
15-Year Fixed15 year fixed4.750% APR4.750%—Standard

Auto & vehicle rates

9 offers
Hawaiiusa Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
36-Month New Auto Loanauto_new_36mo3.750% APR3.750%36 mo · newStandard
36-Month Used Auto Loanauto_used_36mo4.250% APR4.250%36 mo · usedStandard
48-Month New Auto Loanauto_new_48mo4.250% APR4.250%48 mo · newStandard
48-Month Used Auto Loanauto_used_48mo4.750% APR4.750%48 mo · usedStandard
60-Month New Auto Loanauto_new_60mo4.750% APR4.750%60 mo · newStandard
60-Month Used Auto Loanauto_used_60mo5.250% APR5.250%60 mo · usedStandard
72-Month New Auto Loanauto_new_72mo5.250% APR5.250%72 mo · newStandard
72-Month Used Auto Loanauto_used_72mo5.750% APR5.750%72 mo · usedStandard
84-Month New Auto Loanauto_new_84mo5.750% APR5.750%84 mo · newStandard

HELOC rates

9 offers
Hawaiiusa Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
2-Year HELOC (Variable)heloc_variable4.990% APR4.990%—Standard
5-Year HELOC (Variable)heloc_variable5.250% APR5.250%—Standard
Interest-Only Investor or Second Home HELOC Rates (2 Year)heloc_variable6.250% APR6.250%—Standard
Initial Fixed-Rate, Interest-Only HELOC Options (5 year)heloc_fixed7.250% APR7.250%—Standard
Interest-Only Investor or Second Home HELOC Rates (5 Year)heloc_variable7.250% APR7.250%—Standard
Initial Fixed-Rate, Interest-Only HELOC Options (2 year)heloc_fixed7.250% APR7.250%—Standard
HELOC Plusheloc_variable8.750% APR8.750%—Standard
Interest-Only Investor or Second Home HELOC (2 Year)heloc_variable8.750% APR8.750%—Standard
Interest-Only Investor or Second Home HELOC (5 Year)heloc_variable8.750% APR8.750%—Standard

Personal loan rates

16 offers
Hawaiiusa Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
12-Month Unsecured Personal Loanpersonal_unsecured_12mo8.000% APR8.000%12 moStandard
24-Month Unsecured Personal Loanpersonal_unsecured_24mo8.250% APR8.250%24 moStandard
"Green" Home Improvement Loan (min $10,000)personal_unsecured_180mo8.250% APR8.250%180 moStandard
"Green" Home Improvement Loan (min $5,000)personal_unsecured_60mo8.250% APR8.250%60 moStandard
"Green" Home Improvement Loan (min $10,000)personal_unsecured_72mo8.500% APR8.500%72 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo8.500% APR8.500%36 moStandard
Home Improvement Loan (min $10,000)personal_unsecured_72mo8.750% APR8.750%72 moStandard
"Green" Home Improvement Loan (min $10,000)personal_unsecured_84mo8.750% APR8.750%84 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo9.000% APR9.000%48 moStandard
Home Improvement Loan (min $10,000)personal_unsecured_84mo9.000% APR9.000%84 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo9.250% APR9.250%60 moStandard
"Green" Home Improvement Loan (min $10,000)personal_unsecured_120mo9.500% APR9.500%120 moStandard
Home Improvement Loan (min $10,000)personal_unsecured_120mo9.750% APR9.750%120 moStandard
"Green" Home Improvement Loan (min $15,000)personal_unsecured_180mo10.250% APR10.250%180 moStandard
72-Month Unsecured Personal Loanpersonal_unsecured_72mo10.500% APR10.500%72 moStandard
Overdraft Line of Credit Up to $5,000ploc_variable13.000% APR13.000%—Standard

Credit card rates

2 offers
Hawaiiusa Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Life Matters Cash Back Visa® Credit Cardcredit_card_cash_back9.900% APR9.900%—Standard
Life Matters Premium Cash Back Visa® Credit Cardcredit_card_cash_back17.990% APR17.990%—Standard

Other rates

1 offer
Hawaiiusa Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
N/Aother8.750% %8.750%—Standard

As of August 4, 2026, Hawaiiusa Credit Union offers a 30-year fixed mortgage at 5.75% APR. Auto loans available from 3.75% APR for 36 months. HELOC rates from 4.99% APR. Personal loan rates from 8% APR. Credit card rates from 9.9% APR.

Source: RateAPI.dev, verified from Hawaiiusa Credit Union's official website

Latest available market position · Snapshot August 1, 2026

Hawaiiusa Credit Union statewide rate position

This dated snapshot compares the credit union's best published rate in each tracked product with other HI credit unions in the same product market. Products may age out of the current rate book until they are verified again.

Best statewide position#2 of 18New Auto Loan (best offer, cars)
Percentile bandTop 12%among comparable HI offers
Products tracked4in this dated snapshot
Best-position spread75 bp better than state median10 bp from state best
Published rate position by comparable product on August 1, 2026
ProductPublished rateState rankState bestState medianPosition vs. median
New Auto Loan (best offer, cars)3.75% APR#2 of 18 · top 12%3.65%4.50%75 bp better than state median
Used Auto Loan (best offer, cars)4.25% APR#4 of 19 · top 22%3.25%5.00%75 bp better than state median
HELOC (best offer)4.99% APR#3 of 17 · top 18%4.50%5.50%51 bp better than state median
Personal Loan (unsecured, best offer)8.00% APR#29 of 32 · top 91%4.00%6.25%175 bp behind state median

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About Hawaiiusa Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
130.6K
Assets
$2.7B
Founded
1936
Locations reported
15
NCUA charter
1815
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Hawaiian Electric EmployeesHONOLULU FIRE DEPARTMENT FCU · HONOLULU · HI · 96817-2013Branch in the same ZIPHawaiian FinancialMain · Honolulu · HI · 96817Branch in the same ZIPHawaiiMain Office · Honolulu · HI · 96817Branch in the same ZIPHonolulu Fire DepartmentHonolulu Fire Department FCU-Main Branch · Honolulu · HI · 96817-2013Branch in the same ZIPI.l.w.u.Hawaii · Honolulu · HI · 96817-5388Branch in the same ZIPKo`olauDISASTER RECOVERY · HONOLULU · HI · 96817-4402Branch in the same ZIP

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Hawaiiusa Credit Union

Membership eligibility from Hawaiiusa Credit Union's own published criteria. How we verify this.

Membership via employers (Select Employee Groups (SEGs)) or occupations (education)

  • EmployerSelect Employee Groups (SEGs)
  • Occupationeducation

Verified from Hawaiiusa Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Hawaiiusa Credit Union offer?

Hawaiiusa Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Hawaiiusa Credit Union rates updated?

RateAPI verifies Hawaiiusa Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Hawaiiusa Credit Union's rate data?

Rate data is collected directly from Hawaiiusa Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Hawaiiusa Credit Union's mortgage rate?

As of August 4, 2026, Hawaiiusa Credit Union offers a 30-year fixed mortgage at 5.75% APR.

What are Hawaiiusa Credit Union's auto loan rates?

As of August 4, 2026, Hawaiiusa Credit Union offers auto loans from 3.75% APR.

What is Hawaiiusa Credit Union's HELOC rate?

As of August 4, 2026, Hawaiiusa Credit Union offers home equity lines of credit from 4.99% APR.

What is Hawaiiusa Credit Union's personal loan rate?

As of August 4, 2026, Hawaiiusa Credit Union offers personal loans from 8% APR.

Related Rate Data

Compare Hawaiiusa Credit Union's rates against national credit-union benchmarks.

More Hawaii credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Hawaiiusa Credit Union rates

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terminal
# Get rates for Hawaiiusa Credit Union
curl "https://api.rateapi.dev/credit-unions/hawaii/hawaiiusa" \
  -H "Authorization: Bearer YOUR_API_KEY"
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