UPDATE: All branches are open Monday through Friday, with some locations offering Saturday hours. View new branch hours. To schedule an appointment, click here. For more information on the AUW Rental Assistance Program and how to apply, please visit www.auw.org.

Family of four hugging with eyes closed and smiling.

Join Hawaii State Federal Credit Union

What is Hawaii State FCU?

We are your financial institution. Here you can count on banking, money smarts and a community that cares. Over the decades, we’ve helped countless families. That’s because we offer better rates on loans and savings, as well as low to no fees on the products and services you need.
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Financial Solutions

Get more from your money with free checking, affordable loans, low fees and more.

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Money Smarts

Learn to read your credit report, improve it and boost your financial wellness.

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Community Involvement

We care about the community and the people you know and love.

Your Today & Tomorrow Matter to Us

Member Service Call Center

We’re ready to help – call us:

Oahu: (808) 587-2700
Toll-free: 1 (888) 586-1056

Monday to Friday from 7:30 a.m. to 7:00 p.m.
Saturday from 9:00 a.m. to 5:00 p.m.

Ready to become a new Hawaii State FCU member?

Apply Online  |  Schedule an Appointment at one of our branches.

Are You Eligible?

You can join Hawaii State FCU if you are:

  • Active and Retired Employees of the State of Hawaii
  • Active and Retired Employees of the City and County of Honolulu
  • Active and Retired Employees of Maui County
  • Active and Retired Employees of Hawaii State FCU
  • Any Employee or Member of a Select Employment Group (SEG) which includes companies, associational and non-profit groups located in the State of Hawaii and enrolled with Hawaii State FCU.
  • Spouses of persons who died while within the field of membership
  • Immediate family and household members of all eligible persons listed

New Member Promo1

New Member Promo - Image of a $50 Dollar Bill - Get $50 when you open a savings, checking, and debit card

Join Our Extended Family

Together we’ll help you realize your hopes and dreams, whether that’s buying a new home, financing a car or starting a business.

Infographic: Hawaii State FCU saved its members $9 Million in 2018

Always Right By You

At Hawaii State FCU, you make it all possible. We’re a family that cares for its own, including you.

  • Unlimited Surcharge-Free ATM Withdrawals

Get quick and convenience access to your money with unlimited surcharge-free ATM transactions at all Hawaii State FCU and Bank of Hawaii ATMs.

  • Great Checking Benefits

Get more from your checking account, including the chance to earn interest and rewards points.

  • Affordable Auto Loans

Enjoy no loan or application fees and loan terms of up to 84 months.

  • You are the Credit Union

All of our profits go back to you in the form of better rates, lower fees and innovative services.

  • Branches Everywhere

We are part of the Shared Branching Network, which means you can access your money at other Hawaii credit unions. Or at 5,000+ locations throughout the U.S.

  • Competitive Mortgage Options

From pre-qualification to closing, we’ll be with you every step of the way.

Convenient Mobile App

Pay bills, transfer funds, deposit checks and more.

Download the Hawaii State FCU Mobile App3

Icon to Download the Hawaii State Mobile App on the App Store now. Icon to download the Hawaii State FCU Mobile App on Google Play now.

Tools to Help Live Your Dreams

Your time is valuable. Online Banking and our Mobile App are designed for your busy life.

Build Your Credit and Your Future

Understand what is in your credit report and how to improve your score.

Learn More About Your Money

Sign up for a free, 1-hour Financial Education Seminar. Or start right now with our eLearning Modules.

Advice & Planning for Your Future

We can help you identify your needs, develop a plan and provide ongoing consultation.

Insurance at a Discount

Farmers Hawaii Logo and TruStage Logo

We’ve partnered with Farmers Auto Insurance and TruStageTM Insurance to help you protect your family and your future.

Hawaii State FCU executives pose for a picture with leaders from Friends of the Library of Hawaii with a big check in the amount of $10,000. The check was presented at the 2019 Friends of the Library Preview Night for Members held at McKinley High School.

Photo of the girls who participate in the Center for Tomorrow's Leader program. They are smiling and giving the shaka sign.

Hawaii State FCU employees showing off their pride.

Supporting the Community

Whether it’s hosting our family-friendly movie days or participating with Friends of the Library of Hawaii, we love every occasion we have to interact with members in and out of the credit union.

Grants for Teachers

Hawaii State FCU recognizes and appreciates the extraordinary effort and sacrifices that Hawaii public school teachers provide to our community through the Investing in Education Grant Program.

Scholarships for Students

Hawaii State FCU provides scholarship opportunities to its members attending a university, college or trade/vocational school. Since 1996, the Lowell Kalapa Scholarship Program has awarded more than a half million dollars to help students pursue higher education.

Creating Great Jobs

We know happy employees lead to happy members, and that’s why we strive to be one of the best employers in Hawaii. We’ve been recognized as a Hawaii Business Magazine “Best Place to Work” consistently throughout the years.

Join our family

We'll always do right by you.

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 10/1/2020, are as follows: Regular Savings: 0.10%, Simple Checking: 0.00%, Dividend Checking: 0.05%, Relationship Checking: 0.05% for balances up to $9,999.99, 0.05% for balances $10,000 to $24,999.99, 0.05% for balances $25,000 to $49,999.99 and 0.10% 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.

Federally insured by NCUA

2. As calculated by CUNA Mutual

3. Available only for Android™, iPhone® and iPad® devices. iPhone® and iPad® is a trademark of Apple® Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Standard messaging and data usage fees apply. Please contact your carrier for details.

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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