Hawaiistatefcu

Hawaii State Federal Credit Union, established in 1936 and headquartered in Honolulu, offers a comprehensive suite of financial services designed to support members nationwide. With total assets exceeding $2.4 billion and a strong net worth, Hawaii State FCU is committed to delivering stability and personalized banking solutions under the leadership of CEO Andrew Rosen.
Members enjoy convenient access to ATM and cash withdrawal services, including basic ATM functions such as withdrawals and balance inquiries. Competitive auto loans and vehicle financing help you confidently hit the road, while tailored mortgage loans and refinancing options support your homeownership goals. Personal banking products include flexible checking and savings accounts, credit cards with rewarding benefits, personal loans, and debt consolidation solutions crafted to fit diverse financial needs.
Business owners benefit from specialized merchant services and business loans designed to foster growth. Robust online and mobile banking platforms provide secure 24/7 account access from anywhere across the country. Backed by a dedicated team of 378 employees, Hawaii State Federal Credit Union is your trusted partner for achieving financial success at every stage of your journey. Discover more at https://www.hawaiistatefcu.com/.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
HELOC Up to 80% LTV
HELOC
5.55 %
2 Yrs
$400,000
80 %
HELOC Up to 80% LTV
HELOC
5.75 %
3 Yrs
$400,000
80 %
Investor HELOC up to 70% LTV
HELOC
5.8 %
2 Yrs
$200,000
70 %
Jumbo HELOC Up to 70% LTV
HELOC
5.8 %
2 Yrs
$1,000,000
70 %
HELOC Up to 80% LTV
HELOC
5.9 %
4 Yrs
$400,000
80 %
HELOC Up to 80% LTV
HELOC
5.9 %
5 Yrs
$400,000
80 %
Investor HELOC up to 70% LTV
HELOC
6 %
3 Yrs
$200,000
70 %
Jumbo HELOC Up to 70% LTV
HELOC
6 %
3 Yrs
$1,000,000
70 %
Investor HELOC up to 70% LTV
HELOC
6.15 %
4 Yrs
$200,000
70 %
Investor HELOC up to 70% LTV
HELOC
6.15 %
5 Yrs
$200,000
70 %
Jumbo HELOC Up to 70% LTV
HELOC
6.15 %
4 Yrs
$1,000,000
70 %
Jumbo HELOC Up to 70% LTV
HELOC
6.15 %
5 Yrs
$1,000,000
70 %
HELOC Up to 90% LTV
HELOC
8 %
$225,000
90 %
HELOC Up to 95% LTV
HELOC
8.25 %
$225,000
95 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 years
5.5 - 5.875 %
5.892 - 6.052 %
2
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
5 years
5.75 - 6.125 %
6.778 - 6.782 %
2.125
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
7 years
5.875 - 6.25 %
6.694 - 6.742 %
2.125
7.0 Yrs
CONVENTIONAL
ADJUSTABLE
10 years
6.0 - 6.375 %
6.613 - 6.716 %
2.125
10.0 Yrs
CONVENTIONAL
ADJUSTABLE
40 Year ARM
6.0 %
6.862 %
2
40.0 Yrs
CONVENTIONAL
FIXED
30 years
6.5 - 6.875 %
6.733 - 6.962 %
1.875
30.0 Yrs
CONVENTIONAL
FIXED
40 Year Fixed Rate
6.5 %
6.938 %
1.75
40.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan
8.5 - 11 %
1 - 6 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
5.75 % - 8.15 %
1 Yrs - 7 Yrs

Introduction

Welcome to hawaii-state, a trusted financial institution proudly serving the community since 1936. Located in the beautiful city of Honolulu, HI, we are dedicated to empowering our members through personalized financial solutions that prioritize their needs. Under the leadership of CEO Andrew Rosen and Board President Mark Yamakawa, our mission is rooted in providing exceptional service, particularly to military members and their families, fostering a sense of belonging and financial well-being.
At hawaii-state, we understand that modern banking requires convenience and accessibility. That's why we offer a suite of innovative tools designed for your ease, including robust Online Banking, a user-friendly Mobile App, P2P Transfers, E-Statements, Mobile Payments, and E-signature Authorization. With our NCUA insurance, effective since 1/4/1971 0:00, you can trust that your deposits are secure. We invite you to explore our services at https://www.hawaiistatefcu.com/ and discover how we can support your financial journey today. For any inquiries, feel free to reach us at .

Financial Services

At Hawaii State FCU, we pride ourselves on offering a comprehensive range of financial services designed to meet the diverse needs of our members. From personal banking solutions, such as checking and savings accounts, to specialized services like auto loans and vehicle financing, mortgage loans and refinancing, and credit cards with rewards, we strive to provide the tools necessary for every financial journey. Our business banking options also cater to small business owners, offering merchant services and business loans that help foster growth and stability in the local economy. With our commitment to online banking and mobile app accessibility, members can manage their finances conveniently from anywhere. Whether it's making person-to-person transfers or utilizing mobile payments, our digital platforms enhance your banking experience while keeping it secure.
Navigating financial milestones has never been easier with Hawaii State FCU. Members benefit from modern solutions like e-statements and e-signatures that simplify transactions and record-keeping. We understand that access to funds is crucial for everyday life; therefore, our ATM and cash withdrawal services ensure that you always have access to your money when you need it most. For those considering their eligibility for membership or looking for personalized support, visiting https://www.hawaiistatefcu.com/join/ can guide you through our straightforward application process. Additionally, if you're exploring various loan options or want to compare rates, https://www.lendmesh.com/loans/vehicle_loans provides a helpful resource for making informed decisions. At Hawaii State FCU, we are dedicated to empowering our members by providing exceptional service tailored to their unique needs. If you have questions or require assistance, feel free to reach out via —we're here to help!

Financial Highlights

Hawaii State Federal Credit Union is more than just a financial institution; it is a trusted partner dedicated to fostering the financial well-being of its members. With a robust Total Membership of 132,192, this credit union has established itself as a pillar in the community, providing personalized services that cater to the diverse needs of its members. The strength of Hawaii State lies in its impressive Total Assets of 2,421,182,722, reflecting a sound financial foundation that inspires confidence among current and prospective members.
The credit union's commitment to financial stability is further underscored by its Net Worth of 229,574,349 and a commendable Net Worth Ratio of 948. These figures not only highlight the institution's resilience but also its ability to support and grow alongside its members' aspirations. In the last fiscal year, Hawaii State Federal Credit Union achieved a Net Income of 18,148,173, which signifies prudent management and strategic growth initiatives aimed at enhancing member services.
With Total Deposits amounting to 196,611,332 and an extensive portfolio with Total Loans and Leases reaching 39,658, Hawaii State demonstrates its capability to provide various lending solutions tailored for personal, auto, and commercial needs. The credit union boasts an impressive Auto Loan Volume of 2,878 and actively supports local businesses with Commercial Loans totaling 140.
The dedication to service excellence is reflected in the hard work of its team, comprising Total Employees of 378 who are committed to ensuring that every member receives exceptional service. This unwavering focus on member satisfaction, combined with transparent operations and local engagement, positions Hawaii State Federal Credit Union as a valuable partner in navigating today's financial landscape.
For those looking to explore their options further, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Compare real-time loan offers today at https://www.lendmesh.com/loans/vehicle_loans and find the best rates for your needs.

Branch services Offered States

HI

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • ATM Services Only

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)
  • Basic ATM Access (Withdrawals, Balance Checks)

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