Member Impact Summary 2023

Check out some of the ways that Hawaii State FCU supported our members and the community in 2023.

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Get Financially Healthy with Hawaii State FCU's Wallet Wisdom

Learn to manage, save, invest, borrow and spend wisely, now and in the future.
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Free 1-Hour Seminars

Like any strong family, we support each other and share what we know. Join us for a free educational seminar.

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Online Learning

Find financial peace of mind with interactive online courses that cover everything, from identity theft to building a budget.

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Financial Counseling

Free, confidential counseling is available for you and your immediate family.

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Money Advice

Follow the Hawaii State FCU Wallet Wisdom blog. Learn tips and tricks to manage your money to improve your financial well-being.

Improve Your Financial Success

Hawaii State FCU is a medium-sized financial institution that still operates as a small, friendly credit union. It has kept the same principles of service and loyalty to its members. Hawaii State FCU has strove and endeavored to offer services and benefits that only the large banks can. It is a great melding of the small and large that everyone looks for.

Preston G., Member

Throughout the process of buying a home, we felt totally supported by Hawaii State FCU and loved their transparency. I plan on teaching my soon-to-be-born-daughter about financial wellness with the help of Hawaii State FCU!

Mark T., member

What do you want to work on?

Our Hawaii State FCU Financial Solutions Tool can help guide you down a financial path that’s right for you.

Find your ideal financial path by answering a few questions. My financial priority for the next year is to:

You are more than a member, you are family.

Whether you’re buying your first car or first home, or simply saving for the future, we’ll help you every step of the way.

Discover the difference
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You make it possible to offer the best

Today's Rates

Auto Loan
as low as
Personal Loan
as low as
Credit Card
as low as
Mortgage Loan
as low as

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Mobile App Suite

Manage your accounts and cards on your smartphone or tablet.

Get the App »
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Online Banking

You’re just a click away from your account information.

Enroll Now »
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You’ll find branches and ATMs everywhere you go.

Find Locations Now »

Contact Us

Call, email, or submit a question.
(808) 587-2700
Toll-free: 1(888) 586-1056

Let’s Talk »

Be a Money Guru

Learn how to read your credit report, create a budget, and save for the future with our online learning tools.

Start Learning »

Visit a Branch

There’s always a branch nearby with 9 Hawaii State FCU locations, 5,000 Shared Branches, and nearly 30,000 surcharge-free ATMs.

Find One Near You »

Simplify Your Life

Discover the many ways Hawaii State FCU uses the latest technology to make it easy for you to handle your financial needs.

Watch Our Video
A photo of a person holding their smartphone using their credit card loaded in their digital wallet over the card reader to pay for their purchase. Another person holds their contactless credit card over the card reader to pay for their purchase.

Mortgage Loans

Looking for a mortgage loan to fit your budget? From initial application to closing, we’ll help you every step of the way.

Learn More About Mortgage Loans
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Supporting Our Community

It’s important to do our part in supporting our local community and making it a better place. It’s about people helping people.

Learn More About How We Give Back
Andrew and Maya Rosen present a check for $20,000 to the Friends of the Library Hawaii

Credit Union Updates and Financial Preparedness

Keep informed with current updates and digital banking options.

Read Our Updates
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Fraud Alerts

Be aware of recent scams happening in our local community, read about common types of fraud, and learn how to protect your accounts.

see latest scams
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Join your new credit union family.

We'll always do right by you.

1. 11 Month Term Share: Minimum of $5,000 from another financial institution to open. Maximum cap of $250,000 per member.

2. 5 Month Term Share: A minimum of $1,000 to open.

Annual Percentage Yields (APYs) are as of 7/1/2024, and are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earnings. A 5 Month and 11 Month Term Share will automatically renew at maturity for a standard 6 Month Term Share at our prevailing dividend rate.  Offer is not applicable to IRA Term Share Accounts. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.

Federally insured by NCUA


*The 2-year HELOC introductory rate is valid for applications received commencing 7/1/2024 and may change without notice. The introductory rate is based on your creditworthiness and requires automatic payments from a HSFCU checking account.

After the introductory rate expires, your rate will vary and the applicable Current Variable Index Rate based on your creditworthiness will apply. This introductory rate offer applies to new HELOCs. If you elect the 2-year introductory rate, it will remain in effect until expiration of the introductory 2-year period.

** The Current Variable Index Rates are based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness and the line of credit amount. The Current Variable Index Rates shown are current as of 7/1/2024 and will not exceed 18% APR. There is no transaction or other activity charge.

For lines between $20,000 and $400,000, the offer applies to fee simple primary residences or second home properties. The Current Variable Index Rate has a minimum 3.75% APR. The Loan-To-Value (LTV) ratio may be as high as 80% (minus the balance of your existing mortgage). HSFCU waives closing costs for certain third-party fees (e.g., real estate evaluation, recordation, documentation, title insurance, escrow, and flood determination), estimated between $540 and $1,795. You will be required to pay other closing costs involving trust review, other legal documentation, and appraisal cost, estimated between $750 and $3,940. Lines of credit in excess of $400,000 or with higher LTV ratios are available at different rates and terms. Inquire for rates and terms details.

Only improved residential property in Hawaii is accepted as collateral. You are required to reimburse HSFCU for all waived fees if the credit line account is paid off and closed within three (3) years of its opening. Property insurance is required.

Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Speak to a HSFCU representative for more information. Available to Hawaii residents only. HSFCU membership is required. Free membership options are available. Contact us for eligibility.

Equal Housing Lender
Federally insured by NCUA

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

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