Joining a Credit Union is Easier than You Think

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One of the biggest misperceptions about credit unions is they are hard to join. But, it’s actually a lot easier than you might think:

•  Related to or live in the same household as a current member? You can join.

•  Active or retired employee of the State of Hawaii? You can join.

•  Active or retired employee of the City & County of Honolulu or Maui County? You can join.

•  Or ask about the more than 300 other ways you can join.


Just ask a friend or neighbor, chances are they already belong to a credit union. In fact, did you know 1 out of 10 Oahu residents is a Hawaii State FCU member?

At Hawaii State FCU, you’re not treated just as another account number. We believe in building lifetime relationships with you – from opening your first checking account to buying your dream home or planning for a comfortable retirement. Just walk into one of our branches and experience the difference.

When you join a credit union, you are not just a customer – you are also an owner. That means profits are returned to you in the form of lower fees and better rates, such as our new Relationship MAX Savings Account that offers an extraordinary 1.50% annual percentage yield* – a rate that can’t be matched at any other financial institution in Hawaii.

So, join our family of more than 106,000 Hawaii residents. We’ll even give you $50 to get you started.¹

Stop by or give us a call.


¹ Ten (10) posted net purchase transactions with a HSFCU debit card within 30 days of checking account opening are required to qualify. Or open a new checking account with a direct deposit within 60 days of account opening. Annual percentage yields as of January 1, 2019, are as follows: Regular Savings: 0.25%, Simple Checking: 0.00%, Dividend Checking: 0.10%, Relationship Checking: 0.10% for balances up to $9,999.99, 0.10% for balances $10,000 to $24,999.99, 0.15% for balances $25,000 to $49,999.99 and 0.20% for balances $50,000+. Payment will be made to the savings account within 90 days after meeting conditions. APYs and offer may change at any time. Offer applies to new members only. Limit of one per member. Payment subject to 1099 reporting requirements.

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About Craig Warren

Craig Warren is one of Hawaii’s leading deposit strategists with 30 years of executive experience in financial services. Specializing in strategic planning, deposit management, retail delivery and investment services, Warren oversees Hawaii State FCU’s deposit portfolio, and previously managed multibillion-dollar deposit portfolios for two of Hawaii’s largest banks.

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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.

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