Join Hawaii State Federal Credit Union
What is Hawaii State FCU?
Financial Solutions
Get more from your money with free checking, affordable loans, low fees and more.
Money Smarts
Learn to read your credit report, improve it and boost your financial wellness.
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
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.
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
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 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 Farmers Auto Insurance and TruStageTM Insurance, we help you protect your family and your future.
Wireless Savings
Save up to $360 per year on your wireless bill. Learn more at LoveMyCreditUnion.org.
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
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 10/1/2021, are as follows: Regular Savings: 0.05%, Simple Checking and HiFlex: 0.00%, Dividend Checking: 0.03%, Relationship Checking: 0.03% for balances up to $9,999.99, 0.03% for balances $10,000 to $24,999.99, 0.03% for balances $25,000 to $49,999.99 and 0.05% 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. 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.