How We're Different

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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

Free Children’s eBook

Read our children’s eBook based around the credit union philosophy of “people helping people.” It’s a charming tale of four children who work together to help spruce up a 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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Image of the "People Helping People" eBook cover - illustration of a diverse group of children smiling

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.

Credit Union Facts: 1) There are many ways to join. 2) You can access your money via Mobile Apps, Online Banking and a network of ATMs. 3) We serve people of all levels of income. 4) We are bigger than some smaller banks.

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.

Mililani Branch employees hold signs on International Credit Union Day. The signs say "Aways Here to Serve" and "With Aloha".

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.

Learn More About Credit Unions

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BLOG: Count the Ways We Give Back to Members

Members at ICU Day holding signs that talk about reasons why they joined Hawaii State FCU. For example, They're always right by me; Member Owned, I always come first; I'm treated like family not just an account number.


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.
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Grants & Scholarships

Hawaii State FCU has already awarded more than half a million dollars in scholarships since 1996. Recipients each receive $5,000 to be used toward a university, college or trade/vocational school.

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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.

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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, 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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