Dreaming about the benefits of homeownership? We offer some of the most flexible terms in the islands with fixed 15-, 20-, even 30-year loans. We’re happy to work with you to find the best fit for your savings and budget. So don’t let the cost of paradise scare you, let us help you make your dream a reality!
Finance your dream home with our home loans
- Choose from fixed or adjustable rate mortgages (ARM)
- Low fees
- Flexible terms from 5- to 30-year loans
- Owner occupants only
Term Rate APR* Points
30 Year Fixed
4.000% 4.257% 1.75
2.500% 3.455% 1.50
*Annual Percentage Rate. Rates accurate as of 10/16/2019
Always very professional and courteous. Going the extra mile and helping out in a caring way.- UHFCU Member
Mortgage Product Term Rate Type Points Rate APR*
5/5 ARM Adjustable 1.50 2.500% 3.455% Apply Now 15/15 ARM Adjustable 1.50 3.250% 3.353% Apply Now 30 Year Fixed 1.75 4.000% 4.257% Apply Now 20 Year Fixed 1.75 3.750% 4.101% Apply Now 15 Year Fixed 1.75 2.875% 3.304% Apply Now 5/1 ARM Adjustable 1.50 3.750% 3.980% Apply Now
Rates are accurate as of 10/16/19 and subject to change without prior notice. Examples based on $200,000 loan. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
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Why should I choose University of Hawaii FCU for my Home Loan?
University of Hawaii FCU has a wide range of loan programs that are competitively priced. Using the latest technology, we have made the borrowing process simple and convenient. As a direct lender, we can offer you a competitive rate and eliminate fees associated with a loan arranged through a broker. Our commitment is to provide top quality service.
What is the difference between a fixed rate and adjustable rate mortgage?
A fixed rate mortgage provides a rate of interest that remains the same for the life of the loan. An adjustable (or variable) rate mortgage (ARM) has an interest rate that adjusts periodically on the basis of changes in a specified financial index. Typically, adjustable rate mortgages start out at somewhat lower rates than fixed rate mortgages. They can fluctuate up, raising the monthly payment, or down, lowering the monthly payment, depending on the activity of the index to which they are tied. Our loan consultants can discuss the advantages of both types of mortgages to help you decide which product is best for you.
Does my home need to be owner-occupied to qualify?
Yes. This is a requirement for all UHFCU mortgages.
- Why should I choose University of Hawaii FCU for my Home Loan?
* Owner occupant properties only.