“All the ways” we make your financial life easier

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The Definition of allways.

What is allways? It’s all the ways we work to serve our members. In all the solutions we provide. It’s all our members could ask for. And it makes all the difference.

Current Promotions  |  allways adding value.

From competitive rates to special offers, we provide our members with more opportunities to make your money work for you.


Relationship MAXSM

Get more out of your savings with our highest yield liquid savings account for larger balances. Earn more compared to the Hawaii Bank Savings Average of 0.06% APY.*

Visit a Branch  |   Schedule an Appointment

Learn More About Relationship MAX
Relationship MAX rates as high as 2.00% APY. Balances of $100,000 and more.

15-Month Term Share Special2 and 13-Month Term Share Special.3 Limited-time offer!

For more information, please call
Oahu: (808) 587-2700
US Toll-Free: (888) 586-1056

Or, visit any one of our branch locations.

15 month term share with 4.25% APY and 13 month term share with 3.25% APY

Personal Loan

Wish you could repay multiple debts with one monthly payment? Our Personal Loan can help you consolidate your debt. Hurry, it’s a limited-time offer.

Apply For Our Personal Loan
Personal Loan with rates as low as 7.00% APR for a 5 year term.

Hawaii State Federal Credit Union |  allways here for you.

Become a Member Products |  Financial Education  |  Giving Back to the Community


Become a Member

allways your financial institution.

Enjoy better rates, state-of-the-art technology and the personalized service that has made us one of Hawaii’s premier credit unions. Becoming a member may be easier than you think!

Join Today!
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Products

allways solutions.

Whether you’re looking to earn more, spend less, consolidate bills, or purchase your first home – we offer a full range of products to meet your financial needs.

Savings  |  Checking  |  Credit Cards

Personal Loan  | Auto Loan  |  Mortgage Loan

Home Equity Line of Credit

Happy family of three.

Financial Education

allways learning.

From free webinars, to online calculators, blogs and other resources, we give you the tools you need to start on the path to financial wellness.

Get Financially Healthy
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Community

allways supportive.

We are strong believers in the power of community, and are proud to support many organizations.

How We Give Back
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Need Some Assistance?

Not Yet a Member?

Join the Credit Union

Schedule an appointment at one of our branches.

Schedule an Appointment
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.

* The Hawaii Bank Savings Average is based on the average of the highest published savings APY on $100,000 for the 4 largest banks in Hawaii as of 12/27/2022.

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.

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

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