Emergency Financial Assistance Program
Given the recent impact of the Maui Wildfires, we are dedicated to helping those affected by these tragic events. We have launched an Emergency Financial Assistance Program to help current Hawaii State FCU members directly affected on Maui by offering low-rate personal loans, loan payment deferrals, and waiving early withdrawal fees for term shares.
Emergency Assistance Loan*
Access emergency funding up to $2,500 with no payments required for the first 3 months and no prepayment penalty for qualifying members.
Deferral of Loan Payments**
Get relief from making scheduled monthly payments. Hawaii State FCU loan payments may be deferred for one to three months for qualifying members on Maui. Available on consumer loans and HELOC. Interest continues to accrue. For mortgage loans, please contact us.
Penalty-Free Term Share Withdrawals***
If you have an existing term share account and need access to the funds, make penalty-free withdrawals without an early withdrawal penalty.
Surcharge-Free ATM Withdrawals
Access surcharge-free ATM withdrawals at all Hawaii State FCU, Bank of Hawaii, and Maui American Savings Bank ATMs.
Need More Information?
Please visit a branch nearest you or contact our Member Service Call Center at (808) 587-2700.
* The Emergency Assistance Loan features 0% interest rate and no payments for the first 3 months, with a subsequent interest rate of 8.000% for the remaining 3 years. The blended APR over the entire 39-month term of the loan is 6.845%.
For example, a loan of $2,500 will have 3 payments of $0 per month followed by 35 payments of $78.00 per month and a final payment of $41.49. Total interest paid will be $271.49. This Emergency Assistance Loan is available to affected residents of the State of Hawaii living on Maui who have been members since 8/8/2023 and is limited to one loan per member. Members must meet the minimum qualifications established for this special consumer program. This program and rates are effective as of 8/10/2023 and are subject to change at any time without prior notice.
** Visit a branch or contact a Hawaii State FCU representative at (808) 587-2700 for more information.
*** Available to qualifying members on Maui. Withdrawals will reduce earnings on the account. For IRA Term Share withdrawals, consult a tax professional. Minimum withdrawal is $500. If the account falls below the $1,000, which is the minimum balance requirement, the account must be closed.
Program subject to change without prior notice. Certain terms and conditions apply.
Federally insured by NCUA