* A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $1,119.94 based on a 30 Year Fixed Rate at 5.375% with 2.250 points and 5.714% APR.

** A $200,000.00 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,542.79 based on a 15 Year Fixed Rate at 4.625% with 2.125 points and 5.163% APR.

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,249,125 for Honolulu, Kauai and Hawaii counties and $1,299,500 for Maui and Kalawao counties. Rates effective 2/12/26 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.