Learn

Build your financial future here

Everyone’s journey is unique. We’re here to provide guidance and solutions for every milestone.

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Financial wellness for every stage of life.

Starting out

Build a foundation by learning how to save, create a budget, start to build credit, and manage student loans.
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Financial Education for Keiki: Why It Makes “Cents”
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Finding Money to Pay for College
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What You Need to Know About Establishing Credit
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Have you heard about our Scholarship Program?

Since 1996, we’ve awarded over $1 million to some of Hawaii’s best and brightest students.

Private Student Loans

After considering federal loans, scholarships and grants, you may still have a gap you need to cover.

Hawaii State FCU has partnered with College Ave to help you get the money you need to reach your higher education goals.

Building wealth

As your career advances, your focus may shift to saving for a home, raising a family and securing your financial independence by maximizing your savings and minimizing debt.​
woman putting house keys near doorway
Be Prepared with a First-Time Home Buyer Checklist
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Five Steps to Realize Financial Freedom
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young couple in their kitchen at home
How to Save for a Down Payment
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investment services

Looking for higher earning options? We can help.

Our financial advisors can help you take control of your savings and invest with confidence.

Disclosures
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1. Hawaii State Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance AgencyLLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers are affiliated with the financial institution where investment services are offered. Cetera is under separate ownership from any other named entity. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Retirement accounts

Planning for retirement starts with the right account.

Whether you choose a Traditional IRA for tax-deferred growth or a Roth IRA for tax-free withdrawals in retirement, our flexible options help you build a future that fits your goals.

Retirement and beyond

Enjoy life while knowing your savings are secure with estate planning, manage healthcare costs and retirement income.
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World Elder Abuse Awareness – Financial Tips for Seniors
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Maintaining Good Credit in Your Golden Years
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Downsizing For Seniors: Is It Right For You?
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estate planning

Plan for the future and protect what matters

Meet with a financial advisor today to help you pass on your wealth in a way that aligns with your values and goals. We partner with your legal professionals to guide you through the complexities of wills, trusts, and tax strategies to ensure your loved ones are protected and your wishes are honored.

Disclosures
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1. Hawaii State Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance AgencyLLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers are affiliated with the financial institution where investment services are offered. Cetera is under separate ownership from any other named entity. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Retirement accounts

Planning for retirement starts with the right account.

Whether you choose a Traditional IRA for tax-deferred growth or a Roth IRA for tax-free withdrawals in retirement, our flexible options help you build a future that fits your goals.

About Us

Always Right by You, since the beginning.

Hawaii State FCU was founded in 1936 by a handful of government workers who believed in people helping people and watching out for one another’s back. ​

Where money has a heart

Unlike a bank driven by profits, we’re a not-for-profit dedicated to our member’s financial and personal well-being.

Resources

Tools and insights to empower your financial journey.

Explore articles, courses, calculators, and more to help you make informed financial decisions.

fraud & security center

Keeping your accounts safe, every step of the way

Stay informed with tips, alerts, and tools to keep your accounts safe.
Here in Hawaii

Here in Hawaii

Hawaii State FCU is a proud presenting sponsor of Here in Hawaii, produced by local actor/podcaster Nolan Hong. The weekly half-hour series airing on KHON focuses on local people and local stories.