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Hawaii National Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: August 28, 2026
Hawaii National Bank's savings rates are at 0.07%. MonitorBankRates evaluates the financial stability of Hawaii National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.68%. Rates last updated and verified on 08/28/2026.
Hawaii National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hawaii National Bank? Share your experience about Hawaii National Bank by leaving a review below, or read customer reviews before you decide to use Hawaii National Bank.
Overall Health & Safety Grade
?
A+
Exceptional HealthScore: 98/100
Overall Health & Safety Grade
Hawaii National Bank has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Hawaii National Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.68%
ExcellentLower than avg
Hawaii National Bank Texas Ratio
Hawaii National Bank's Texas Ratio is 4.68%, which is considered excellent and is lower than the national average of 5.85%.
Hawaii National Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
DetailsIntroductory APR Fixed for 24 months. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Equity Line of Credit
-
-
5.48%
36 months
DetailsIntroductory APR Fixed for 36 months. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Equity Line of Credit
-
-
5.58%
48 months
DetailsIntroductory APR Fixed for 48 months. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Premium Program Home Equity Line of Credit
-
-
6.38%
DetailsVariable rate for the Premium program. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Home Equity Line of Credit
-
-
7.88%
DetailsVariable rate for the standard program. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.68%
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Hawaii National Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Hawaii National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hawaii National Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameHawaii National Bank
Bank Holding CompanyHAWAII NATIONAL BANCSHARES INC
Address
45 N King St Fl 7,
Honolulu, HI 96817 · Honolulu
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Hawaii National Bank
How many branches does Hawaii National Bank operate?
Hawaii National Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Hawaii National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Hawaii National Bank provides members with tools to manage their accounts and build a solid financial history.
Does Hawaii National Bank offer online and mobile banking?
Most modern institutions like Hawaii National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hawaiinational.bank.
Current Hawaii National Bank Rates
Savings0.07%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
