Top 5 Reasons You Want to Join a Credit Union

Hawaii State FCU employees on how they are right by you.

Credit unions were originally formed to serve the financial needs of communities unserved and underserved by traditional banks. Although the present-day financial landscape is vastly different from those early days, there are still a lot of benefits of credit union membership. Here are five reasons why joining a credit union like Hawaii State FCU may benefit you:

Member-Owned and Operated:

Hawaii State FCU serves the financial needs of our members, and is owned and run by members, just like you. Relationships are important to us – when you join the credit union, you’re a part of the family, not just a number.

A Not-For-Profit Cooperative:

That means that we are always looking at ways to save our members money or to give back, rather than worrying about lining the pockets of shareholders. This results in better rates, lower fees and more benefits for our members.

Full-Service For Your Needs:

Just like the banks, Hawaii State FCU offers a full line of products and services to meet your financial needs, including savings and checking accounts, credit cards, mortgages, auto loans, personal loans, investment services, business banking, and more.

Financial Education is a Priority:

Understanding your finances can help you make smarter financial decisions in the future. We work with local schools and organizations to provide free seminars, workshops, and resources to strengthen financial literacy throughout the community. We also offer free monthly webinars to our members on a wide range of topics including homebuying, budgeting, understanding credit, and more.

Industry-Leading Technology:

From our Digital Banking platform, to our first-in-Hawaii Interactive Teller Machines (ITMs) with palm vein biometric authentication, we are an industry leader when it comes to technology and innovation.

To learn more about becoming a Hawaii State FCU member, click here.

About HSFCU Marketing

Hawaii State FCU firmly believes that financial education empowers people to make smarter decisions throughout their lives, resulting in a better financial future. We do this by providing useful financial tools such as educational blogs, online courses and free webinars on a variety of topics including planning for retirement, debt management and buying a home. For more information on these and other resources, including free financial calculators and budget-friendly recipes, visit and click on “Financial Health.”

Related Posts

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.

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

Cancel Accept