Hawaiistatefcu

Nestled in vibrant Honolulu, the Hawaii State Credit Union branch at 888 Kapahulu Ave is a trusted community cornerstone dedicated to helping island residents achieve their financial dreams. Open Monday through Friday from 9:00 am to 6:00 pm and Saturdays until 3:00 pm, this branch offers convenient ATM and cash withdrawal services that keep your money accessible when you need it most. Whether you’re looking to drive home with one of Hawaii’s best auto loans or exploring low mortgage rates tailored for local homeowners, Hawaii State provides personalized financing solutions designed just for you.
Beyond vehicle and home financing, members enjoy comprehensive personal banking options including checking and savings accounts, rewarding credit cards, and debt consolidation loans—all supported by secure online and mobile banking platforms for effortless account management anytime. Business owners also benefit from specialized merchant services and business loans that fuel local growth.
Serving over 130,000 members with assets surpassing $2.4 billion, this branch is your gateway to financial strength rooted in community values. Visit the Hawaii State Credit Union at Kapahulu Ave or call 808-426-4960 today to explore how their expert team can help you navigate auto loans and personal banking solutions crafted for your success. Experience island-focused service that truly puts you first!

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 at our Kapahulu Branch At Safeway, located at 888 Kapahulu Ave, Honolulu, HI 96816. Since opening our doors in 1936, we have proudly served our community with a commitment to trust and reliability. Our goal is to provide you with personalized financial services that meet your needs. At Hawaii State, we understand that each member's journey is unique. That's why we offer a range of services tailored just for you, from personal banking solutions like checking and savings accounts to auto loans and mortgages. With over 132,192 members, your voice matters here, and we're dedicated to helping you achieve your financial goals. As part of our mission, we manage an impressive $2,421,182,722 in total assets and maintain a robust net worth of $229,574,349. Our commitment to responsible lending is reflected in our total loans of 39,658, along with total deposits amounting to $196,611,332. We also ensure security and peace of mind with $11,401,093 cash readily available for our members. Our leadership team is dedicated to providing exceptional service. Under the guidance of CEO Andrew Rosen and Board President Mark Yamakawa, we strive to create a welcoming atmosphere where everyone feels valued. Our friendly staff is here for you six days a week; simply call us at 808-426-4960 or visit during our lobby hours from Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM. While members can visit us at our Kapahulu branch for all your banking needs, official correspondence should be sent to the same address: 888 Kapahulu Ave, Honolulu, HI 96816. Join us today at Hawaii State! We invite you to explore how we can support your financial journey. For more information or to open an account online, please visit our website. Let's build a brighter financial future together!

Branch History & Mission

Welcome to Hawaii State, where our journey began in 1936. With nearly a century of dedication, we have grown alongside our community in Honolulu, HI. Our branch, located at 888 Kapahulu Ave, is more than just a financial institution; it's a place where dreams take flight and members thrive. Over the years, Hawaii State has evolved significantly. From our humble beginnings to becoming a trusted partner for over 132,000 members, we have made strides in providing exceptional financial services. Today, our total assets stand at an impressive $2,421,182,722, reflecting our commitment to serving our members with integrity and care. Our mission is clear: to empower individuals and families through accessible financial solutions while fostering a sense of community support. We believe that everyone deserves the opportunity to achieve their financial goals. This ethos drives us to offer a wide range of services including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking solutions. While members can visit us at 888 Kapahulu Ave for in-person assistance during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 3:00 PM official correspondence should be sent to the same address. Our commitment extends beyond traditional banking; we embrace digital advancements like online banking and mobile payments to enhance your experience. At Hawaii State, we prioritize community engagement. Our partnerships with local organizations ensure we give back meaningfully while supporting initiatives that uplift those around us. Whether through educational workshops or outreach programs, we are here to make a positive impact. We also understand the importance of convenience in today's fast-paced world. That's why we provide ATM access and are dedicated to ensuring ADA compliance across all our services. Join us at Hawaii State and become part of a legacy built on trust and community spirit. Experience firsthand how we can help you realize your financial aspirations while making a difference together. To learn more about membership opportunities or to open an account today, please visit our website. Welcome home!

Branch Location & Accessibility

Accessibility Features

At Hawaii State, we prioritize accessibility. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces to ensure that all members can navigate our space comfortably. Plus, there's ample parking available nearby, so you won't have to worry about finding a spot during your visit.

Call to Action

We invite you to stop by Hawaii State's Kapahulu Branch today! Experience the welcoming atmosphere and discover how we can help you achieve your financial goals. Whether you're looking for advice on loans or simply want to open an account, we're here for you every step of the way!

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your schedule. Join us Monday through Friday from 9:00 AM to 6:00 PM and on Saturday from 9:00 AM to 3:00 PM. We strive to be flexible and accommodating so that you can visit us when it's convenient for you.

Services Offered

At our Kapahulu Branch, we offer a range of services designed to meet your personal banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have options that cater to everyone. For added convenience, enjoy basic ATM access for withdrawals and balance checks right here at the branch. While we currently do not offer drive-thru service or shared service centers at this location, our friendly team is always ready to assist you inside the branch. If you have any questions or need assistance, don't hesitate to reach out at 808-426-4960.

Member Eligibility

Joining the Hawaii State family at our Kapahulu Branch is more than just opening an account; it's about becoming part of a community that genuinely cares for its members. To become a member of Hawaii State, you'll find that eligibility is quite accessible! Generally, anyone who lives, works, or attends school in the state of Hawaii can join us. We also welcome family members of existing members, making it easy to share the benefits with those you care about. This means you're not just gaining access to great financial products but also joining a supportive network that prioritizes your needs. The advantages of membership at Hawaii State are numerous. From competitive rates on loans and savings accounts to personalized service from our dedicated team, we strive to make your banking experience as rewarding as possible. If you're ready to take the next step, you can learn more about eligibility details by visiting this link. When you're ready to open your account, just follow the straightforward process outlined here. For any questions or further assistance, feel free to reach out at (808) 426-4960. We can't wait to welcome you into our growing family at 888 Kapahulu Ave Honolulu Hi 96816!

Business Banking & Commercial Services

Commercial Loans Tailored for 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 that Make Transactions Easy

In today's fast-paced market, efficient transaction handling is key. Our merchant services simplify payment processing so you can focus on what you do best running your business. Imagine a busy Saturday at your local café; with our services, you can accept payments seamlessly, ensuring every customer leaves satisfied. Visit us at 888 Kapahulu Ave Honolulu Hi 96816 in Honolulu, HI, or call us at (808) 426-4960 to learn how our business banking solutions can propel your venture forward!

Comprehensive List Of Services

ATM Services

Need cash quickly? Our network of ATMs offers easy access for withdrawals and balance checks. With convenient locations throughout the area including right here at our branch you'll never be far from what you need. At Hawaii State, we strive to provide accessible financial solutions that empower our members. If you're ready to take control of your finances or have any questions about how we can assist you further, don't hesitate to reach out! Call us at (808) 426-4960 or visit us today at 888 Kapahulu Ave Honolulu Hi 96816 in beautiful Honolulu, HI. Let's work together towards achieving your financial dreams!

Auto Loans & Vehicle Financing

Thinking about getting a new car? With our auto loans and vehicle financing, you can drive away in the vehicle of your dreams without breaking the bank. We provide competitive rates and flexible terms that make it easy to budget for your monthly payments.

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans tailored to support growth. From managing cash flow to expanding operations, we're committed to helping your business thrive.

Credit Cards with Rewards

Our credit cards with rewards allow you to earn points on everyday purchases. Picture yourself enjoying cash back or travel rewards just for using your card! Plus, our cards come with added benefits like no annual fees and low-interest rates.

Mortgage Loans & Refinancing

Owning a home is an important milestone, and at Hawaii State, we support you with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, we have solutions that meet your needs.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust online and mobile banking services ensure that managing your finances is always within reach. You can easily deposit checks via mobile app, pay bills online, and even set up alerts for account activity all from the comfort of home or on-the-go.

Personal Banking

When it comes to managing your day-to-day finances, our personal banking options are tailored to fit your lifestyle. We offer checking and savings accounts that make it easy to manage your money. Imagine having instant access to your funds while also earning interest on your savings! Our accounts come with online and mobile banking features, allowing you to check balances, transfer funds, and pay bills with just a few taps on your phone.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our personal loans come into play. Whether you need money for medical bills, vacations, or debt consolidation, we provide affordable loan options that can help relieve financial stress.

Digital & Online Banking

Accessibility and Support

At Hawaii State, we strive to provide accessible banking solutions tailored to fit your life. Our user-friendly online banking system ensures that even those who may not be tech-savvy can navigate their accounts with ease. If you ever have questions or need assistance, our team is just a phone call away at (808) 426-4960. In a world where time is precious and security is paramount, Hawaii State offers digital banking solutions that put you in control of your financial journey. Experience the freedom of banking on your terms today!

Key Features

One of the standout features of our digital banking is the ability to send money quickly with person-to-person transfers. Need to split a bill with friends? Or perhaps send a gift to a family member? It's as easy as a few taps on your device. We also prioritize security, offering electronic signature authorization for transactions. This means you can sign important documents securely from the comfort of your home. Additionally, e-statements are readily available, so you can keep track of your account activity without piles of paper cluttering your space. For those who enjoy the convenience of making payments through their smartphones, our mobile payments feature allows you to make purchases effortlessly using just your phone. It's fast, safe, and perfect for today's busy lifestyle.

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. 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. This commitment is reflected in our net worth ratio of $948, which demonstrates a solid capital foundation. This ensures 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. Our financial strength also allows us to reinvest in innovative banking tools and stronger lending options. With $184,574,704 in undivided earnings, we enhance security measures to serve you better. We have extended our reach with $1,439 in used auto loans and $1,328,379,211 in total loans and leases, supporting your financial goals across various sectors. Our operations are efficient as shown by our robust net income of $18,148,173. This 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. With total share accounts numbering 228,162, it's clear that more members trust us with their finances every day. Our net shares available for lending stand at $0, further indicating our capacity to support your needs. 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 888 Kapahulu Ave Honolulu Hi 96816 or call (808) 426-4960 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 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. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned option, our flexible terms can make it happen for you.

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 are here to guide you through every step of the process, ensuring you find the right fit for your budget and lifestyle.

Other Financing Options

For those looking for additional funding solutions, our total credit lines amount to $247,879,997, providing members with versatile borrowing options tailored to their needs. Additionally, if you're a business owner, our outstanding commercial loans totaling $210,805,519 provide the capital needed to grow and expand. If you're considering refinancing any existing loans or are unsure about your eligibility for one of our products, please reach out to us at (808) 426-4960 or visit us at our branch located at 888 Kapahulu Ave Honolulu Hi 96816 in Honolulu, HI. Our team is ready to assist you in exploring all available options tailored just for you. We invite you to take control of your financial future today with our comprehensive suite of loan offerings at Hawaii State!

Unsecured Credit Card Loans

Managing daily expenses can be tricky, which is why 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, you can enjoy peace of mind knowing that you have support when it comes to unexpected costs.

Loan Aggregator

Benefits of Using LendMesh

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