NOTICE: The following branches are CLOSED: Halekauwila, Hawaii Kai, and Salt Lake. The following branches are ITM LOBBY & APPOINTMENT ONLY: Ewa Beach and Pearlridge. All other branches remain OPEN. Most services, including notary and loan processing, are now available by APPOINTMENT ONLY. See details. Learn more about our Emergency Assistance Program.

Emergency Assistance Program

Graphic of a gray box with the message Important Notice for Members

With the recent impacts of COVID-19, we understand your financial concerns. You may be wondering what relief is available. Hawaii State FCU is here to help. Our Emergency Assistance Program can provide you the financial help you need during these uncertain times.


Emergency Assistance Loan*

Need financial help? Get access to money with a low rate personal loan for qualifying members.

 

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Deferral of Loan Payments**

Get relief from making scheduled monthly payments, Hawaii State FCU loan payments may be deferred for one to three months for qualifying members. Available on consumer loans and mortgages.

Please speak to a Hawaii State FCU representative at (808) 587-2700 for more information.


Penalty Free Term Share Withdrawals***

Make withdrawals from your term share without an early withdrawal penalty.

We are here to help you. Please speak to a Hawaii State FCU representative at (808) 587-2700 for more information.

Disclosures

Program subject to change without prior notice. Certain terms and conditions apply.

* The Emergency Assistance Loan features 0% interest rate and no payments for the first 3 months, with a subsequent interest rate of 8.000% for the remaining 3 years. The blended APR over the entire 39-month term of the loan is 6.845%. No prepayment penalty.

A loan of $1,000 will have 36 payments of $31.34 per month, and total interest paid of $128.11. This Emergency Assistance Loan is available to affected Hawaii residents who have been members as of 12/31/2019. Members must meet minimum qualifications established for this special program. The loan amount is determined by the amount of income that has been adversely impacted, with a minimum loan amount of $500 and a maximum loan amount of $5,000, as calculated by Hawaii State FCU. This program and rates are effective as of 3/23/2020 and are subject to change at any time without prior notice. Speak to a Hawaii State FCU representative at (808) 587-2700 for more information.

** Speak to a Hawaii State FCU representative at (808) 587-2700 for more information.

*** Withdrawals will reduce earnings on the account. Penalty free withdrawals do not apply to IRA Term Shares. Minimum withdrawal is $500. If your account falls below the $1,000 (minimum balance requirement) the account must be closed. Speak to a Hawaii State FCU representative at (808) 587-2700 for more information.

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. 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

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