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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

As a Hawaii credit union, we care about the community and the people you know and love.

Are You Eligible to Become a Member?

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

Select Employee Groups at Hawaii State FCU

Discover the many benefits that are available to you and your employees.

  • Join over 500 companies, associations, and non-profit groups already enrolled with Hawaii State FCU.
  • It’s FREE to sign up!
  • Once enrolled, your employees are eligible to join Hawaii State FCU and can take advantage of our member benefits so they can succeed in reaching their financial goals.
Learn How to Apply Today

New Member Promo1

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

Member Impact Summary 2023

Check out some of the ways that Hawaii State FCU supported our members and the community in 2023.

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.

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A photo of a HSFCU employee holding a sign that says I'm thankful for YOU.

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 App2

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. Digital 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 Webinar. Or start right now with our Online Courses.

Advice & Planning for Your Future

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

Insurance at a Discount

Together, with TruStageTM Insurance, we help you protect your family and your future.

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Hawaii State FCU Exectuives presenting a check for $22,000 to the Hawaii Foodbank.

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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 Hawaii State Federal Credit Union Scholarship Program has awarded nearly $900,000 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.

We’re Here to Help!

Call Our Member Service Call Center

Oahu: (808) 587-2700
US Toll-free: (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.

Schedule an Appointment at one of our branches.

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 6/30/2024, are as follows: Regular Savings: 0.05%, Simple Checking: 0.00%, Dividend Checking: 0.02%, Relationship Checking: 0.02% for balances up to $9,999.99, 0.02% for balances $10,000 to $24,999.99, 0.02% for balances $25,000 to $49,999.99 and 0.03% 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 primary new members only, with a limit of one per member. Payment is subject to IRS reporting requirements. Offer and new accounts are open to Hawaii residents only. Visit a branch or contact us for more information.

Federally insured by NCUA

2. 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, 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.

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