Hawaiistatefcu

Nestled in the heart of Honolulu, Hawaii State Credit Union’s Waialae Avenue branch is more than just a financial hub—it’s a community cornerstone where your financial goals take flight. Located at 3221 Waialae Ave Ste 166B, this branch offers members convenient ATM and cash withdrawal services paired with expert guidance on Hawaii’s best auto loans, helping you drive your dreams forward with confidence. Whether you’re stopping by during weekday hours from 8:00 a.m. to 5:00 p.m. or on Saturdays until 1:00 p.m., friendly staff are ready to assist.
At Hawaii State, enjoy personalized mortgage loans and refinancing options tailored to local market conditions, making homeownership within reach for island residents. Beyond personal banking—including checking and savings accounts, credit cards with rewards, and debt consolidation—business owners find valuable support through merchant services and business loans designed to fuel growth.
With robust online and mobile banking platforms ensuring your finances are accessible anytime, this branch stands as a trusted partner in your financial journey. Visit Hawaii State Credit Union at Waialae Avenue today to discover how their exceptional auto financing and mortgage solutions can empower your future. Contact them for personalized guidance tailored just for you!

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, your trusted financial partner located at 3221 Waialae Ave Ste 166B, Honolulu, HI 96816. Since our establishment in 1936, we have proudly served our community with dedication and care, growing to a strong membership of over 132,192 individuals. As part of our commitment to supporting you, we offer a wide range of financial services tailored to meet your needs, from personal banking and auto loans to business financing. At Hawaii State, we understand the importance of financial security. With total assets exceeding $2.4 billion and deposits amounting to $196,611,332, our robust financial foundation allows us to provide you with competitive loans and savings options. Our experienced team, led by CEO Andrew Rosen and Board President Mark Yamakawa, is here to guide you every step of the way. While members can visit us at our branch location for face-to-face support, official correspondence should be sent to our mailing address: 3221 Waialae Ave Ste 16-6B, Honolulu, HI 96816. We take pride in being more than just a credit union; we're a community partner dedicated to helping you achieve your financial goals. Whether you're looking for a new vehicle loan or need assistance with personal finances, we are here for you. Feel free to reach out at 808-426-4480 during our operating hours Monday to Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. or explore more about our services on our website here. Join us today and become part of the Hawaii State family!

Branch History & Mission

Hawaii State has a proud legacy that dates back to 1936 when it first opened its doors in the heart of Honolulu. Over the years, this branch has grown into a vital financial resource for the community, currently serving over 132,000 members. With total assets reaching an impressive $2.42 billion, Hawaii State exemplifies stability and trust within the financial landscape. Located at 3221 Waialae Ave Ste 166B, Honolulu, HI 96816, our branch is easily accessible for all your banking needs. As you visit us, you'll find that we're not just about transactions; we're about relationships and community support. While members can visit us at this address, official correspondence should be sent to our mailing address at 3221 Waialae Ave Ste 16-6B, Honolulu, HI 96816. The mission of Hawaii State is clear: we aim to provide exceptional financial services while uplifting the communities we serve. Our commitment extends beyond banking; we are dedicated to helping individuals and families achieve their financial goals through personalized services like checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. In an era where convenience matters more than ever, we have made significant strides in digital advancements. Our online banking platform allows members to manage their finances with ease from anywhere. We prioritize accessibility with ADA compliance features and ensure that all our services meet the diverse needs of our community. Hawaii State also believes in giving back. We actively engage in partnerships with local organizations and support various outreach efforts that enrich our community. Whether it's through educational programs or charitable events, we strive to make a positive impact. Our operating hours are designed to accommodate your busy lifestyle: Monday to Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m., ensuring that you can always find time for your banking needs. Additionally, our ATM is available for quick access to cash whenever you need it. Join us at Hawaii State and experience firsthand the difference of being part of a credit union that truly cares about its members and the community. Together, let's build a brighter financial future! If you're interested in becoming a member or want to learn more about our services, visit us online at Hawaii State FCU or call us at (808) 426-4480 today!

Branch Location & Accessibility

Welcome to the Kaimuki Branch of Hawaii State Credit Union, your friendly neighborhood banking hub located at 3221 Waialae Ave Ste 166B in beautiful Honolulu, HI. We're proud to serve our community with a convenient and accessible location that makes managing your finances easy and hassle-free. Nestled right off Waialae Avenue, our branch is close to popular local landmarks, making it a breeze for you to stop by while running errands or enjoying the sights of our vibrant city. Parking is available nearby, ensuring that your visit is as smooth as possible. Plus, we are committed to accessibility for all members; our branch features ADA-compliant facilities, including ramps for those who need them. At the Kaimuki Branch, we understand that your time is valuable. That's why we offer convenient operating hours: we're open Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. Whether you need assistance with personal banking services like checking and savings accounts, auto loans, or credit cards with rewards, our friendly staff is here to help. For those on-the-go, we offer ATM services right at our branch for quick cash withdrawals and balance checks. While we don't have drive-thru banking options currently available, our team is dedicated to providing fast and efficient service inside the branch. While members can visit us at 3221 Waialae Ave Ste 166B Honolulu Hi 96816, official correspondence should be sent to 3221 Waialae Ave Ste 16-6B, Honolulu, HI 96816. And if you have any questions or need assistance, don't hesitate to call us at (808) 426-4480. We invite you to come visit the Kaimuki Branch of Hawaii State Credit Union today! Experience firsthand how we can support your financial journey in a warm and welcoming environment. Your financial success is just around the corner!

Member Eligibility

Becoming a member of Hawaii State feels like joining a close-knit community where everyone is welcome. If you're looking to enjoy the benefits of personalized financial services, it's easy to see if you qualify! At Hawaii State, membership is open to individuals who live, work, or worship in certain areas of Hawaii. You can also become a member if you are related to someone who is already part of our family. This means that whether you're a local resident or have connections to the community, there's a good chance you can join us. For more specific details about eligibility, check out our website at https://www.hawaiistatefcu.com/join/. Once you know you're eligible, opening an account is just as simple. You can start your journey with us online by visiting https://olb.hawaiistatefcu.com/registration, or feel free to call us at (808) 426-4480 for any questions. Our team is here to guide you through the process and help you access all the great services we offer at our branch located at 3221 Waialae Ave Ste 166B Honolulu Hi 96816. We can't wait for you to be part of our supportive community!

Business Banking & Commercial Services

Business Loan Options

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

Imagine having the tools to accept payments easily, manage cash flow efficiently, and focus more on what you do best running your business. Our merchant services streamline payment processing, so you can serve your customers without hassle. Whether you're a retail shop on 3221 Waialae Ave Ste 166B Honolulu Hi 96816 or a bustling restaurant in Honolulu, our services adapt to fit your operations seamlessly. Join us at Hawaii State, located at 3221 Waialae Ave Ste 166B Honolulu Hi 96816, Honolulu, HI, where we're dedicated to empowering your business every step of the way. For more information or to get started, give us a call at (808) 426-4480.

Comprehensive List Of Services

Business Banking

If you're a business owner, you'll appreciate our Business Banking solutions which include merchant services and business loans. We understand the challenges of running a business, and our team is dedicated to supporting your growth.

Convenient Access

We know that convenience is key in today's busy world. That's why we provide easy access to cash through our ATM & Cash Withdrawal Services. Plus, if you're a member of partner credit unions, you can conduct basic shared branch transactions like deposits and withdrawals right here at our branch. Our commitment doesn't stop at traditional banking hours; we offer digital solutions that allow you to bank anytime, anywhere. Whether it's checking your balance on-the-go or transferring money with just a few taps on your phone using our mobile payments feature, we're here to support you every step of the way. Ready to explore all that Hawaii State has to offer? Call us at (808) 426-4480 or visit us today at 3221 Waialae Ave Ste 166B Honolulu Hi 96816. Your financial journey starts here!

Credit Cards

With our Credit Cards with Rewards, not only do you get purchasing power, but you also earn rewards for everyday spending think cashback on groceries or travel points for your next vacation.

Loans and Financing

Need a vehicle? Our Auto Loans & Vehicle Financing options ensure that you can drive away in the car of your dreams without breaking the bank. We also offer Mortgage Loans & Refinancing, making it possible for you to own a home or lower your current mortgage payments. For those unexpected expenses or big purchases, our Personal Loans & Debt Consolidation services provide flexible solutions tailored to your needs.

Personal Banking

Managing your day-to-day finances has never been easier. With our Personal Banking services, you can open checking and savings accounts that fit your lifestyle. Imagine having the ability to easily track your spending, set savings goals, and watch your money grow all from the comfort of home through our user-friendly Online & Mobile Banking platforms.

Digital & Online Banking

Accessibility & Ease-of-Use

All these features are designed with you in mind. Our online banking services are straightforward and intuitive, ensuring that even those who may not be tech-savvy can navigate them with ease. Real-time account management means you're always in the loop about your finances. With Hawaii State, digital banking isn't just about technology; it's about empowering you to take charge of your financial life. For more information on how to get started or to explore our services further, visit us at https://www.hawaiistatefcu.com/ today!

Key Features

We know security is a top priority for our members. That's why we provide Electronic Signature Authorization for easy document signing, along with E-Statements Availability, so you can receive important information securely without the clutter of paper statements. Need to send money to a friend? Our Person-to-Person Transfers make it simple and quick to send funds directly from your account to theirs. Plus, with our Mobile Payments Feature, making purchases has never been easier just tap and go!

Financial Strength

At Hawaii State, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to maintaining a solid foundation that ensures your financial well-being. 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. 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. 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. Additionally, with $1,439 in used auto loans and $1,328,379,211 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our financial performance is reflected in our $18,148,173, showcasing our operational efficiency and ability 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 who are dedicated to providing exceptional service to you. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 228,162, showing a strong and growing member base that trusts us with their finances. 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 3221 Waialae Ave Ste 166B Honolulu Hi 96816 or call (808) 426-4480 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $24,186,310 in new vehicle loans and $20,798,651 in used vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our flexible terms can suit your budget.

Business Loans

For business owners looking to expand or invest in their ventures, we have outstanding commercial loans totaling $210,805,519 available. These loans are designed to provide the capital needed for growth and sustainability. At Hawaii State Credit Union, we believe in empowering our members with the right financial tools. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're looking for an auto loan or planning for your dream home with our mortgage options, we're here to support your journey toward financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $322,826,855. We make buying or refinancing simple and straightforward. If you're considering refinancing your current mortgage for better terms or rates, we can help you explore eligibility options that fit your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $37,620,367 in loans available, these cards can help you manage your finances effectively while providing the convenience you need for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

One key benefit is Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. Additionally, No Sponsored Listings means that LendMesh does not prioritize lenders based on paid promotions this guarantees unbiased results for every user. Lastly, Real-Time Rate Comparisons provide up-to-date loan rates from multiple institutions, empowering you to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of the tool in helping users secure better financing options. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

How LendMesh Ensures 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 means you can trust that the offers you see are fair and transparent. Every listed loan comes from legitimate financial institutions committed to providing accurate information.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.