The Hawaii Central Federal Credit Union is a mortgage from Hawaii Central Federal Credit Union. The ongoing APR is 6.000% rate / 6.38% APR (15-year fixed, 2.00 points; $100,000 example). Loan terms: 15 years (fixed). Looking to expand your portfolio or secure your perfect vacation home? Our Investor/2nd Home Mortgage options offer competitive rates and streamlined approvals to help support your real estate goals. Contact our experienced Mortgage Loan Officer to help make y