Hawaii State FCU was founded in 1936 by a handful of government workers who believed in people helping people and watching out for one another’s back. Today, we still live by those founding ideals, ensuring that we are Always Right by You throughout your financial journey.
Celebrating 80 Years Together
30,000+ Surcharge-Free ATMs Nationwide
Wherever you go in the U.S. you’ll find a surcharge-free ATM where you can access your money as part of the Co-Op Network of ATMs.
Great Checking Benefits
Get more from your checking account, including the chance to earn interest and rewards points.
Affordable Auto Loans
Enjoy no loan or application fees and loan terms of up to 84 months.
You're an Owner
As a not-for-profit, all of our profits go back to you in the form of better rates, lower fees and innovative services.
We are part of the Shared Branching Network, which means you can access your money at other Hawaii credit unions, or at 5,000+ locations throughout the U.S.
Competitive Mortgage Options
From pre-qualification to closing, we’ll be with you every step of the way.
We’re owned and operated by our members, including active and retired state, city and Hawaii State FCU employees, their immediate families and household members, and family of existing Hawaii State FCU members. Also, any employee or member of a Select Employee Group (SEG) enrolled with Hawaii State FCU is eligible to join.
Leading the Way
Hawaii State FCU is one of the state’s leading financial institutions. We’re continually integrating new and innovative technologies to offer members greater convenience. That includes a mobile app to help our members manage their accounts on the go. We also offer a full range of financial services, including savings and checking accounts, mortgage loans, Home Equity Lines of Credit, debit and credit cards, as well as some of the best loan rates around.
Easy Access for Members
The credit union belongs to a shared-branch service of more than 30 other credit union locations statewide. Hawaii State FCU members can visit any of these participating Shared Branch credit union locations to take care of their banking needs.
Member Service & Convenience
At Hawaii State FCU, we work hard every day to help you achieve your financial goals. You won’t see the behind-the-scenes action, but you will enjoy the speed and convenience of the process in the branches, over the phone and online through Online Banking and our Mobile App.
Where Money Has a Heart
Unlike a bank that’s more concerned with profit, we’re a not-for-profit concerned with our member’s financial and personal well-being. We’re all about people helping people. We hope that it shows in everything we do.
Grants & Scholarships
Hawaii State FCU has already awarded more than half a million dollars in scholarships since 1996. Recipients each receive $2,000 to be used toward a university, college or trade/vocational school.
It’s important to recognize and appreciate everything our Hawaii teachers do for our kids. That’s why we created the Investing in Education Grant. The money can be used to buy classroom supplies, books, electronics and more.
We believe in volunteering for worthwhile causes in our local communities. Look for us out in the community year-round as we do our part to improve the lives of others.
We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. 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 or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.
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