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Emergency Assistance Program

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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.

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Learn how the credit union is standing by its members.

Emergency Assistance Loan*

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


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Loan Payment Deferrals & Mortgage Forbearance**

Get relief from making scheduled monthly payments for qualified members. Hawaii State FCU consumer loan payments may be deferred for one to three months. A forbearance program for mortgage payments is also available.


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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.


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, 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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