How We're Different

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Two happy employees.

At Hawaii State FCU, our members are also the owners. Sure, we give everyone an account number, but we don’t think of our members that way. Here, members are known by their names and are treated like family. Best of all, we always have our member’s back.

The Credit Union Difference

Download a Free Copy of Our Children’s eBook

Read our very own children’s eBook based around the credit union philosophy of “people helping people.” Enjoy this charming tale of four local children who work together to help spruce up a worn-down park and do something right for their neighborhood. The cute illustrations and local references will surely delight keiki and adults alike.

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eBook - People Helping People

Credit Union Basics

A credit union is a not-for-profit financial cooperative, owned and operated by its members.  Members pool their assets to receive favorable yields on accounts and competitive rates on loans, as well as other financial services and products designed to meet members’ changing financial needs.

We return earnings to members through services like Shared Branching locations, better rates and lower fees, as well as surcharge-free ATMs. Credit unions are also committed to the ideal of “people helping people” and strive to further social responsibility.

The Kaneohe Branch holding signs during International Credit Union Day.

What Sets Us Apart?

Members join Hawaii State FCU because we’re a family. People talk about the credit union, share their great experiences and tell others about the wonderful service. Because we’re focused on people rather than profits, everything we do is for our members. And we always have their backs. We can have yours, too. All you need to do is join our family.

The Mililani Branch holding signs during International Credit Union Day.

Member Testimonial

The credit union gives you a personal feel. It’s almost like working with family.

Cary M.

I am always treated with kindness and courtesy. The staff and tellers go out of their way to make my visit pleasant and timely. I am not charged like other banks for every little thing.

Lorraine G.

Where Money Has a Heart

Unlike a bank that’s more concerned with profit, we’re a not-for-profit concerned with our member’s financial and personal well-being. We’re all about people helping people. We hope that it shows in everything we do.

Grants & Scholarships

Hawaii State FCU has already awarded more than half a million dollars in scholarships since 1996. Recipients each receive $2,000 to be used toward a university, college or trade/vocational school.


It’s important to recognize and appreciate everything our Hawaii teachers do for our kids. That’s why we created the Investing in Education Grant. The money can be used to buy classroom supplies, books, electronics and more.


We believe in volunteering for worthwhile causes in our local communities. Look for us out in the community year-round as we do our part to improve the lives of others.

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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.

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