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Home Equity Loans
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Mortgage Loans
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Personal Loans
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Introduction
Welcome to Hawaii State at the Pearlridge Branch, where we prioritize your financial well-being and community connection. Nestled in the heart of Aiea, HI at Westridge Shopping Center, our branch has been serving members since 1936, making us a trusted part of your financial journey for decades. With a solid membership base of over 132,192 and total assets amounting to a remarkable $2,421,182,722, we're dedicated to providing personalized banking solutions that cater to your unique needs. At Hawaii State, our commitment to excellence is reflected in our diverse range of services, including auto loans, mortgages, credit cards with rewards, and business banking options. With total deposits reaching $196,611,332 and a robust net worth of $229,574,349, we stand as a pillar of stability and trust in the community. We also hold an impressive cash reserve of $11,401,093, ensuring that your funds are secure with us. Our leadership team, guided by CEO Andrew Rosen and Board President Mark Yamakawa, is passionate about fostering a supportive environment for all our members. Whether you're looking to open a new account or seeking guidance on loans and investments, our friendly staff is here to assist you every step of the way. While members can visit us at Westridge Shopping Center, official correspondence should be sent to the same address for your convenience. Our branch is equipped with modern banking features like online banking and mobile payments to make managing your finances easier than ever. Ready to take the next step? Give us a call at 808-792-7430 or visit our website at Hawaii State FCU to learn more about how we can support your financial goals. Your journey starts here!
Branch History & Mission
Hawaii State Credit Union, known locally as the Pearlridge Branch, has been a cornerstone of financial support in Aiea, HI since it opened its doors in 1936. With a mission to empower our members through exceptional financial services and community engagement, we have grown alongside our members and the community, now proudly serving over 132,000 individuals. Our branch is located at Westridge Shopping Center, Aiea, HI 96701, a convenient spot for local residents to access essential banking services. From our humble beginnings nearly nine decades ago, Hawaii State Credit Union has evolved significantly. We have witnessed remarkable growth in total assets, which now stand at an impressive $2.42 billion. This growth reflects our commitment to providing quality financial products while ensuring the highest level of service to our members. Over the years, we've expanded our offerings to include everything from personal banking services such as checking and savings accounts to auto loans and mortgage refinancing. At Hawaii State Credit Union, our mission revolves around more than just numbers; it's about making a difference in the lives of our members. We aim to provide accessible financial solutions that meet the diverse needs of our community while fostering a supportive environment where everyone can thrive. Whether you are looking for help with debt consolidation or seeking business banking solutions, we are here to assist you every step of the way. We take pride in our commitment to innovation and accessibility. Our digital advancements include online banking, mobile payments, and electronic signatures that make managing your finances easier than ever before. Additionally, we ensure ADA compliance so that all members can enjoy equal access to our services. Community outreach is at the heart of what we do. By partnering with local organizations and engaging in various initiatives, we strive to uplift those around us. Our shared service center provides even more convenience for our members by allowing them access to basic transactions at partnered credit unions. While members can visit us at Westridge Shopping Center for all their banking needs during our operating hours Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. official correspondence should be sent to Westridge Shopping Center, Aiea, HI 96701 if different. Join us today and discover how Hawaii State Credit Union can help you achieve your financial goals while being part of a community-focused family. Together, let's build a brighter future! For more information or assistance, feel free to contact us at (808) 792-7430 or visit our website at Hawaii State FCU.
Branch Location & Accessibility
Welcome to the Hawaii State Credit Union's Pearlridge Branch, conveniently located in the Westridge Shopping Center in Aiea, HI. This friendly spot not only provides a welcoming atmosphere but also easy access for all your banking needs. Whether you're stopping by for personal banking or looking for assistance with loans, our team is here to help you. While members can visit us at Westridge Shopping Center, Aiea, HI 96701, official correspondence should be sent to the same address. We're nestled right near popular landmarks, making it easy to swing by while you're out shopping or enjoying a day out in the area. Parking is readily available, ensuring that you have a hassle-free experience when you come in. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and pathways so everyone can access our services comfortably. We're open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., allowing flexibility for your busy schedule. If you need cash on the go, we also offer ATM services right at our location for your convenience. Although we do not have drive-thru banking at this branch, our shared service center offers basic transactions such as deposits and withdrawals for partner credit union members. Feel free to reach out to us at 808-792-7430 if you have any questions or need assistance before your visit. We look forward to welcoming you soon!
Member Eligibility
At Hawaii State, we believe that joining our community is a step towards achieving your financial goals, and we're excited to welcome you! Becoming a member is open to anyone who lives, works, or attends school in the areas we serve. This means that if you're part of our local community, you can enjoy all the benefits we have to offer. Whether you're looking for personal banking solutions, auto loans, or just a friendly place to manage your finances, Hawaii State is here for you. If you're curious about specific eligibility criteria, feel free to check out more details on our website at https://www.hawaiistatefcu.com/join/. Getting started is simple! You can open an account online in just a few easy steps. For more information on how to begin your membership journey with us, visit https://olb.hawaiistatefcu.com/registration. If you have any questions or need assistance, don't hesitate to call us at (808) 792-7430. We look forward to helping you thrive as part of our family here at Hawaii State, located at Westridge Shopping Center Aiea Hi 96701!
Business Banking & Commercial Services
Commercial Loans That Empower Growth
Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $132 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $210,805,519, we continue to drive economic growth by financing new and expanding businesses.
Merchant Services for Everyday Success
Imagine the ease of accepting payments from customers without the hassle. Our merchant services simplify transactions, ensuring you can focus on what truly matters growing your business. With secure processing options and reliable support, you'll have peace of mind knowing that your financial needs are covered. Visit us at Westridge Shopping Center Aiea Hi 96701, Aiea, HI, or give us a call at (808) 792-7430. Let's work together to fuel your business journey!
Comprehensive List Of Services
Business Banking Solutions
For our business members, we provide essential banking services that include merchant services and business loans. We know how important it is for businesses to have reliable financial tools, so we're committed to supporting local entrepreneurs.
Digital Convenience at Your Fingertips
In today's fast-paced world, digital banking is crucial. Our online and mobile banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. Additionally, with ATM access available for quick cash withdrawals and balance checks, banking has never been more convenient.
Helping You Manage Debt
Life can throw financial challenges your way, and that's where our personal loans and debt consolidation services come in handy. If you find yourself juggling multiple bills, consolidating them into one manageable payment could be the answer you need.
Personal Banking Made Easy
Starting with personal banking, we offer a variety of checking and savings accounts tailored to fit your lifestyle. Imagine having the flexibility to manage your money while enjoying competitive interest rates. If you're considering buying a car, our auto loans and vehicle financing options make it straightforward to get on the road without breaking the bank. For those dreaming of homeownership, our mortgage loans and refinancing solutions can help turn that dream into reality.
Rewards That Fit Your Lifestyle
Don't forget about our credit cards with rewards! Whether it's earning cash back on everyday purchases or points toward travel, we have options that reward you for spending wisely.
Shared Branch Transactions
If you're part of another credit union but need services while visiting us in Aiea, HI, our shared branch transactions make it easy for you to make deposits or withdrawals just like a member here at Pearlridge Branch. We invite you to explore all that Hawaii State has to offer. Whether you're stopping by at our branch located at Westridge Shopping Center Aiea Hi 96701 or giving us a call at (808) 792-7430, we're eager to assist you with any questions or concerns. Join us today and discover how we can support your financial journey together!
Digital & Online Banking
Easy Access with Online Banking
Our online banking platform, accessible through https://www.hawaiistatefcu.com/, allows you to manage your accounts anytime, anywhere. With 24/7 online banking services, you can check your balances, pay bills, and transfer money with just a few clicks. Whether you're at home or out and about, your finances are always within reach.
Mobile Banking at Your Fingertips
Don't forget to download our mobile application! With it, you can enjoy all the benefits of online banking right on your smartphone. Need to make a quick payment? Use our mobile payments feature for hassle-free transactions. Plus, if you ever need to send money to friends or family, our person-to-person transfer option makes it a breeze.
Real-Time Account Management
Managing your finances has never been simpler. From checking balances to reviewing transactions, everything is designed for ease-of-use. Our user-friendly interface ensures that even those who may not be tech-savvy can navigate their accounts comfortably. With Hawaii State, experience banking that fits into your lifestyle while keeping your information safe. Explore all these fantastic features today!
Security You Can Trust
Your security is our top priority. We provide electronic signature authorization for easy document signing without the need for paper forms. And with e-statements available, you can keep track of your financial records securely and efficiently.
Financial Strength
Commitment to Innovation
With $184,574,704 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $1,439 in used auto loans and $1,328,379,211 in total loans and leases, we support members' financial goals across various sectors.
Growing Member Trust
Total Share and Deposit Accounts: 228,162, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hawaii State is your trusted partner. Visit us at Westridge Shopping Center Aiea Hi 96701 or call (808) 792-7430 to learn more about how we can help you achieve your financial goals.
Operational Efficiency
Our performance speaks volumes; our $18,148,173 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 370 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.
Secure Savings Options
Members' savings are secured through $521,803,637 in share certificates and $576,857,871 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.
Solid Financial Health
With a net worth of $229,574,349, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $948 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.
Loan Offering
Auto Loans
Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,798,651 in used vehicle loans and $24,186,310 in new vehicle loans already helping members get on the road. We also provide flexible refinancing options, making it easier for you to adjust your loan terms as needed.
Business Loans
For business owners, our outstanding commercial loans totaling $210,805,519 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to scale an existing one, our team is here to guide you through the process. Our branch is conveniently located at Westridge Shopping Center Aiea Hi 96701 in Aiea, HI, and we're available to discuss these options further at (808) 792-7430. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how our diverse range of loan products can support your financial journey today!
Credit Card Loans
We also offer flexible terms on unsecured credit card loans, with a total of $37,620,367 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards that can enhance your everyday spending.
Mortgage Loans
Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $322,826,855, make buying or refinancing simple. We can assist you with various eligibility options to ensure you find a mortgage solution that fits your needs.
Loan Aggregator
Benefits of Using LendMesh
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Ensuring Accurate Comparisons
Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to adhering to industry regulations ensures that users receive fair and transparent offers. By leveraging this verified data, LendMesh can confidently present accurate loan comparisons.