Get Financially Healthy with Hawaii State FCU's Wallet Wisdom
Free 1-Hour Seminars
Like any strong family, we support each other and share what we know. Join us for a free educational seminar.
Online Learning
Find financial peace of mind with interactive online courses that cover everything, from identity theft to building a budget.
Financial Counseling
Free, confidential counseling is available for you and your immediate family.
Money Advice
Follow the Hawaii State FCU Wallet Wisdom blog. Learn tips and tricks to manage your money to improve your financial well-being.
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.
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!
What do you want to work on?
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.
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Today's Rates
Contact Us
Call, email, or submit a question.
(808) 587-2700
Toll-free: 1(888) 586-1056
Be a Money Guru
Learn how to read your credit report, create a budget, and save for the future with our online learning tools.
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.
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.
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
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
Credit Union Updates and Financial Preparedness
Keep informed with our current status updates, preventative tips to stay healthy, and digital banking options.
Read Our Updates
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Events
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Careers
It’s amazing what you can do at the right place, with the right people and the right opportunities.
Press Releases
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November 1
Hawaii State FCU Awards More Than $40,000 in Grants to Public School Teachers Across Oahu, Maui and Hawaii Island
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October 28
Hawaii State FCU is 50th Sponsor from 50th State Supporting Filene’s Research Centers
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October 20
Hawaii State FCU and HawaiiUSA FCU Announce Sponsorship of Chaminade University’s Personal Finance and Economics Training Program for Teachers
1. The Relationship MAX Annual Percentage Yield (APY) on daily balances of $100,000 or more is 2.00%. For daily balances from $0 to under $50,000, the APY is 0.05%; for daily balances between $50,000 to under $100,000, the APY is 1.00%. When a particular daily balance range is met, the rate will apply to the full balance in the account. Other accounts and terms are available. For example, our Regular Share account has an APY of 0.05% for all balances. Contact us to help determine which account may be best for you. APYs are current as of 12/31/2022, and may change at any time. Minimum to open a Relationship MAX account is $2,500. Relationship Checking is required for Relationship MAX, and it requires a minimum $2,500 to open. Certain terms and conditions apply. Fees may reduce earnings. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.
2. 15 Month Term Share: All funds must come from another financial institution; a minimum of $5,000 to open.
3. 13 Month Term Share: Maximum of $50,000 per member; a minimum of $1,000 to open.
Annual Percentage Yields (APYs) for the above-mentioned term shares are as of 1/1/2023, and are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earnings. The Term Share will automatically renew at maturity for a standard 12 Month Term Share at our prevailing dividend rate. Offer is not applicable to IRA Term Share or Business Term Share Accounts. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.
4. Offer good from 1/1/2023 to 1/31/2023. APR includes a 0.25 percentage point discount for automatic payment from a HSFCU checking account. Otherwise, the APR will be 0.25 percentage point higher. Your APR will be based on your creditworthiness and may be higher. Payment Example: A loan of $1,000 with a 7.00% APR will have 60 monthly P&I payments of $19.80. Offer applies to new HSFCU loans only. Certain terms and conditions apply. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.
Federally insured by NCUA