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
3.25%
APR
Personal Loan
as low as
5.50%
APR
Credit Card
as low as
14.90%
APR
Mortgage Loan
as low as
5.625%
APR

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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.

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Locations

You’ll find branches and ATMs everywhere you go.

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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 Rosen and Craig Warren present a check for $12500 to the Hawaii Foodbank

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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Join your new credit union family.

We'll always do right by you.
Disclosures

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

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.

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