Hawaiistatefcu

Nestled in the vibrant community of Honolulu, the Hawaii State Credit Union branch at 848 Ala Lilikoi St Ste 119 offers a welcoming financial home where your goals come first. Whether you’re looking to take advantage of some of Hawaii’s best auto loans or exploring competitive mortgage loans and refinancing options tailored for island living, this branch delivers personalized service that makes a difference. With convenient ATM and cash withdrawal services available six days a week, managing your money fits seamlessly into your busy lifestyle.
Members enjoy a full spectrum of financial solutions—from flexible checking and savings accounts to credit cards with rewarding benefits—alongside business banking services like merchant solutions and business loans designed to support local entrepreneurs. Hawaii State’s robust online and mobile banking platforms ensure you can securely access your accounts anytime, anywhere.
Join over 130,000 members who trust Hawaii State Credit Union for financial stability and community-focused service. Visit the Honolulu branch or call 808-792-4050 today to discover how their top-rated auto financing and low-rate mortgage options can help you drive toward your dreams. Experience island-centered banking 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 Salt Lake Branch, located at 848 Ala Lilikoi St Ste 119, Honolulu, HI 96818. Since our establishment in 1936, we have proudly served our community with a commitment to providing exceptional financial services and support. With over 132,192 members and total assets of $2,421,182,722, we are dedicated to helping you achieve your financial goals. At Hawaii State, we understand that your financial journey is unique. Whether you're looking for personal banking options like checking and savings accounts or seeking financing through auto loans and mortgages, we're here to help. Our total deposits stand at $196,611,332, showcasing the trust our members place in us. We also offer various loan options with a total of 39,658 loans currently in progress. While you can visit us at our branch for face-to-face assistance or to use our ATM services, please note that official correspondence should be sent to the same address: 848 Ala Lilikoi St Ste 119, Honolulu, HI 96818. Under the leadership of CEO Andrew Rosen and Board President Mark Yamakawa, we strive to create a welcoming environment where every member feels valued. Our team of 378 employees is committed to ensuring that you receive personalized service tailored to your needs. We invite you to explore what Hawaii State can do for you! If you have questions or need assistance, don't hesitate to call us at (808) 792-4050. Come visit us during our lobby hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Join us on this journey toward financial success! For more information about our services, please visit our website at hawaiistatefcu.com.

Branch History & Mission

Our Mission

Hawaii State's mission is simple yet powerful: We aim to empower our members through comprehensive financial services that meet their unique needs. Our focus extends beyond transactions; we are dedicated to fostering community development and supporting local initiatives. Whether it's through partnerships with local organizations or outreach programs that educate members about financial literacy, we believe in making a lasting impact. While you can visit us at 848 Ala Lilikoi St Ste 119, official correspondence should be sent to 848 Ala Lilikoi St Ste 119, Honolulu, HI 96818 if needed. We encourage you to take advantage of our operating hours Monday through Thursday from 9:00 am to 5:00 pm, Friday from 9:00 am to 6:00 pm, and Saturday from 9:00 am to 1:00 pm. We also provide ATM availability for easy access to your funds. Although we do not currently offer drive-thru service or shared service centers, our dedicated team is always ready to assist you inside the branch. Join us today at Hawaii State! Experience the benefits of being part of a credit union that truly cares about your financial journey and the well-being of our community. Visit our website or call us at 808-792-4050 for more information on how you can become a member!

Branch Location & Accessibility

Accessibility Features

Our branch is equipped with ADA-compliant facilities, ensuring that everyone can easily access our services. We have convenient parking available right outside the entrance, making it simple for you to stop by.

Call to Action

We invite you to visit us at our Salt Lake Branch or give us a call at 808-792-4050 if you have any questions or need assistance. Your financial journey is important to us let's take it together!

Operating Hours

We understand that your schedule may be busy, so we offer flexible hours to meet your needs. Our lobby is open Monday through Thursday from 9:00 am to 5:00 pm, on Fridays from 9:00 am to 6:00 pm, and Saturdays from 9:00 am to 1:00 pm. This gives you plenty of opportunities to drop by when it suits you best.

Services Offered

At Hawaii State Credit Union, we provide a range of personal banking options including checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards. For business owners, we offer merchant services and business loans as well. Our ATM is readily available for cash withdrawals and balance checks. While we do not have drive-thru banking at this location, our friendly staff is always here to help you inside the branch. You can also enjoy the benefits of online and mobile banking for added convenience.

Member Eligibility

At Hawaii State, we believe that everyone deserves a chance to join our welcoming community and enjoy the benefits of credit union membership. To become a member, you'll need to meet some friendly eligibility criteria, which primarily include living, working, or attending school in the areas we serve. This means that if you're part of our local community, you're already on the right path! We also encourage family members of existing members to join us, making it easy for your loved ones to access our financial services as well. For a detailed look at all eligibility requirements, feel free to check out this resource: https://www.hawaiistatefcu.com/join/. Once you know you're eligible, opening an account is a breeze! Simply visit us at our branch located at 848 Ala Lilikoi St Ste 119 Honolulu Hi 96818, or you can start the process online by visiting https://olb.hawaiistatefcu.com/registration. If you have any questions or need assistance, don't hesitate to give us a call at (808) 792-4050. We're here to help you every step of the way as you embark on this rewarding journey with Hawaii State!

Business Banking & Commercial Services

Merchant Services

Imagine this: you're at a busy market, serving customers who want to pay quickly and easily. Our merchant services make that possible. From point-of-sale systems to online payment processing, we provide the tools you need to accept payments seamlessly, allowing you to focus on what matters most growing your business. Visit us at 848 Ala Lilikoi St Ste 119 Honolulu Hi 96818 in Honolulu, HI, or call us at (808) 792-4050 to learn more about how we can help your business thrive!

Tailored 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.

Comprehensive List Of Services

Business Banking

For those venturing into entrepreneurship, our business banking services, including merchant services and business loans, are designed to support your growth. We know that running a business requires reliable financial resources, and we strive to be that partner for you.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking platforms allow you to manage your accounts anytime, anywhere. Need cash? Use our ATM services for quick withdrawals or balance checks without any hassle. Plus, enjoy features like person-to-person payments, making it easier than ever to send money directly to friends or family. At Hawaii State, we prioritize your financial well-being by offering comprehensive services that cater to both personal and business needs. For more information about how we can help you achieve your financial goals or if you have any questions about our offerings, don't hesitate to reach out! Call us at 808-792-4050 or visit us at our branch in Honolulu. Your journey toward better banking starts here join us today!

Loans and Credit Options

Sometimes life calls for extra financial support. That's where our personal loans and debt consolidation services come into play. Whether it's unexpected expenses or consolidating existing debt, we are here to assist you. Additionally, enjoy the benefits of our credit cards with rewards, making every purchase count towards something special.

Personal Banking

Our personal banking options begin with checking and savings accounts that help you manage your day-to-day finances while earning interest on your savings. We understand that life can be unpredictable, which is why we offer auto loans and vehicle financing to help you get on the road quickly and affordably. If you're considering buying a home or refinancing your existing mortgage, our mortgage loans provide competitive rates and flexible terms.

Digital & Online Banking

Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.hawaiistatefcu.com/, managing your accounts has never been easier. Whether you want to check your balance, transfer money between accounts, or pay bills, you can do it all from the comfort of your home or on the go. Plus, our mobile application makes accessing your account even simpler. With just a few taps on your smartphone, you're connected to everything you need.

Effortless Transactions

Need to send money quickly? Our person-to-person transfer feature allows you to send money directly to friends and family in just moments. And if you're always on the move, our mobile payments feature lets you make purchases with a simple swipe on your phone perfect for when you're out shopping or dining. In short, Hawaii State is committed to providing accessible and user-friendly digital banking solutions that empower you to take charge of your financial life. Experience the ease of managing your accounts anytime with us!

Secure and User-Friendly Features

We prioritize your security and peace of mind. Our platform supports electronic signature authorization, making it easy for you to sign documents securely without the hassle of printing or mailing them. For those who prefer going paperless, e-statements are available for easy access to your financial records while helping you reduce clutter.

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 proud to share our strong financial position with you, reinforcing our commitment to being your trusted financial partner. With a net worth of $229,574,349, we maintain robust 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. Our commitment to innovation is reflected in our $184,574,704 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures. 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 operational efficiency is highlighted by our $18,148,173, 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. The strength of our financial position is further illustrated by the fact that we manage a total of 228,162 share accounts. This shows 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 848 Ala Lilikoi St Ste 119 Honolulu Hi 96818 or call (808) 792-4050 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. We provide flexible financing options tailored to fit your budget and lifestyle.

Commercial Loans

If you're a business owner seeking capital to grow and expand, our outstanding commercial loans totaling $210,805,519 can provide the funding you need to take your business to the next level. We invite you to explore our various loan offerings at our branch located at 848 Ala Lilikoi St Ste 119, Honolulu, HI 96818. If you have any questions or would like more information about eligibility and refinancing options available for our products, please call us at 808-792-4050. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to assist you every step of the way!

Credit Lines

For those looking for additional flexibility, we provide credit lines totaling $247,879,997. This option allows you to have funds available for unexpected expenses or planned purchases without the hassle of applying for a new loan each time.

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 offer competitive rates and terms that can help you secure the home you've always wanted.

Unsecured 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 various benefits designed to enhance your purchasing power while keeping your finances under control.

Loan Aggregator

Benefits of Using LendMesh

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