Hawaiistatefcu

Nestled along the scenic Kalanianaole Highway in Honolulu, Hawaii State Credit Union’s branch at 6700 Kalanianaole Hwy Ste 110 offers island residents a welcoming financial home. Whether you’re looking to secure one of Hawaii’s best auto loans or explore low mortgage rates tailored for local living, this branch is dedicated to helping you achieve your goals with personalized service and competitive rates. Convenient ATM and cash withdrawal services are available during extended hours—including Saturdays—making it easy to manage your money on your schedule.
Beyond exceptional vehicle financing and home loan options, members enjoy a full suite of personal banking services like checking and savings accounts, credit cards with rewards, and flexible personal loans designed to fit your unique needs. Business owners can also take advantage of merchant services and business loans crafted to support local growth. With user-friendly online and mobile banking platforms, managing your finances anytime, anywhere has never been easier.
Join over 130,000 members who trust Hawaii State Credit Union for their financial needs. Visit the Honolulu branch today or call 808-426-7300 to discover how their top auto loans and mortgage refinancing options can drive your financial future forward. 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, your trusted financial partner located at 6700 Kalanianaole Hwy Ste 110, Honolulu, HI 96825. Since our establishment in 1936, we've proudly served our community with dedication and care, growing into a family of over 132,192 members. At Hawaii State, we believe that banking should be personal, which is why we offer a range of services designed to meet your unique needs from checking and savings accounts to auto loans and mortgages. Our commitment to you is reflected in our impressive financial stability. With total assets reaching $2,421,182,722 and total deposits of $196,611,332, we ensure that your money is safe and secure. Additionally, our net worth stands strong at $229,574,349, providing a solid foundation for our operations. We are also proud to have made a significant impact in the community with a total loan portfolio of 39,658, helping individuals and families achieve their financial goals. While members can visit us at the address above, official correspondence should be sent to the same address for convenience. Our team of 378 employees is ready to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Under the leadership of our CEO, Andrew Rosen, and Board President Mark Yamakawa, we strive to foster a welcoming environment where all members feel valued. Whether you're looking for personal banking solutions or business services like merchant accounts and business loans, we are here to guide you every step of the way. Explore all we have to offer by visiting our website at hawaiistatefcu.com or give us a call at (808) 426-7300. Join us as we continue making a difference in the lives of our members because at Hawaii State, you're not just a number; you're family!

Branch History & Mission

At Hawaii State, we take pride in our rich history and commitment to serving the community. Founded in 1936, our Hawaii Kai Branch has been a cornerstone of financial support for our members in Honolulu, HI, for decades. Located at 6700 Kalanianaole Hwy Ste 110, we have witnessed the growth and transformation of our community, always striving to meet the changing needs of our members. Over the years, Hawaii State has evolved significantly. From our humble beginnings to now boasting over 132,192 members and total assets reaching an impressive $2,421,182,722, we have consistently focused on providing exceptional financial services. Our mission is clear: we aim to empower our members with the resources they need to achieve their financial goals while also supporting local initiatives that strengthen our community. Our operating hours are designed with your convenience in mind. We welcome you Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Whether you need assistance with personal banking services such as checking accounts, auto loans, or mortgages, or you're looking for business banking solutions, our dedicated team is here for you. In addition to traditional banking services, we embrace digital advancements that enhance your experience. With online banking capabilities and mobile payment options available, managing your finances has never been easier. We also ensure accessibility through ADA compliance measures so that everyone can benefit from our services. Community involvement is at the heart of what we do. We actively engage in partnerships and outreach programs that uplift those around us. By joining Hawaii State, you're not just becoming a member; you're contributing to a greater cause that focuses on collective growth and support. While members can visit us at 6700 Kalanianaole Hwy Ste 110, official correspondence should be sent to 6700 Kalanianaole Hwy 110, Honolulu, HI 96825 if needed. We invite you to become part of the Hawaii State family. Experience firsthand how we can help you navigate your financial journey while making a positive impact in your community. Reach out today at 808-426-7300 or explore more about us here. Join us and discover the benefits of being part of a credit union that truly cares!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is ADA compliant, ensuring that everyone can access our services comfortably. Parking is available on-site, providing you easy entry into the branch without hassle.

Operating Hours

We know how busy life can get, which is why we offer flexible hours to accommodate your schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We're closed on Sundays but always look forward to serving you during the week!

Services Offered

At Hawaii State Credit Union, we offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Plus, we have an ATM available for quick cash withdrawals and basic account transactions. If you're a member of another credit union, you'll also benefit from shared services right here at our branch. For any questions or if you'd like to learn more about how we can help you achieve your financial goals, don't hesitate to give us a call at 808-426-7300. We can't wait to welcome you into our community!

Member Eligibility

Welcome to the community at Hawaii State! We believe that everyone deserves access to supportive financial services, and becoming a member is as easy as a phone call or a visit. To join us at Hawaii State, located at 6700 Kalanianaole Hwy Ste 110 Honolulu Hi 96825, you simply need to meet a few friendly eligibility criteria. Generally, if you live, work, or worship in our service area, or if you're related to someone who is already a member, you can join our family. For specific details on eligibility requirements and to ensure you're on the right track, feel free to check out our dedicated page at https://www.hawaiistatefcu.com/join/. Once you're ready to take the next step toward membership, opening an account is straightforward. You can start this exciting journey online by visiting https://olb.hawaiistatefcu.com/registration or by giving us a call at (808) 426-7300 for assistance. At Hawaii State, we're committed to helping you achieve your financial goals while enjoying the benefits of being part of a close-knit community. Join us today and experience the difference!

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

In today's fast-paced world, efficient payment processing can set your business apart. Our merchant services simplify transactions, allowing you to focus on what matters most running your business. Imagine being able to accept payments from customers effortlessly, whether they prefer credit cards, mobile payments, or online transactions. With our reliable support, you can enhance customer satisfaction and streamline operations. Located at 6700 Kalanianaole Hwy Ste 110 Honolulu Hi 96825 in Honolulu, HI, we're here to partner with you on your journey toward success. Reach out at (808) 426-7300 or visit us online for more information!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive business banking services including merchant services and business loans. This ensures that whether you're a small startup or an established company, you have the resources needed to thrive.

Credit Card Rewards

Don't forget about our credit cards with rewards! They allow you to earn points on everyday purchases, making it easier for you to enjoy the benefits of your spending while managing your finances wisely.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Hawaii State offers robust online and mobile banking features. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills all through our user-friendly app or website. We also provide ATM access for quick cash withdrawals and balance checks. With our shared branch transactions available for partner credit union members, you can easily conduct deposits and withdrawals even when you're away from home.

Personal Banking Solutions

Our personal banking services are crafted with your daily needs in mind. Whether you're opening a checking or savings account, managing your finances, or planning for the future, we've got you covered. For those considering a new vehicle, our auto loans and vehicle financing options make it easy to drive away in the car you want without breaking the bank. Homeownership is a dream for many, and at Hawaii State, we offer mortgage loans and refinancing solutions tailored to fit your budget. If you're facing unexpected expenses or looking to consolidate debt, our personal loans and debt consolidation options can provide the relief you need.

Stay Connected

Have questions? Our team is just a phone call away at (808) 426-7300, ready to assist you with any inquiries regarding our services or how we can help meet your financial goals. At Hawaii State, we're committed to providing personalized service that makes banking easier for everyone in our community. Come visit us today at 6700 Kalanianaole Hwy Ste 110 Honolulu Hi 96825, and let's explore how we can support your financial journey together! For more information about joining us or opening an account, please visit our website or check out our eligibility page here. We look forward to welcoming you as a member!

Digital & Online Banking

E-Statements and Mobile Access

We offer e-statements for those who prefer going paperless. This not only helps you stay organized but also contributes to a greener planet! And for those who are always on the move, our mobile application makes it simple to manage your accounts right from your smartphone. You can even enjoy mobile payments, allowing you to make purchases quickly and securely without the need for cash or cards.

Easy Transfers and Security

Need to send money to friends or family? Our person-to-person transfer feature lets you do just that with ease. All of these services come with robust security measures in place, ensuring that your information remains safe while you enjoy the convenience of digital banking. In summary, Hawaii State provides a comprehensive suite of digital and online banking services that prioritize both convenience and security. We're here to support you in managing your finances efficiently whenever and wherever you need it!

Online Banking Features

With our 24/7 online banking services available at https://www.hawaiistatefcu.com/, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, our platform is user-friendly and accessible. Plus, with features like electronic signature authorization, signing documents has never been easier or more secure.

Financial Strength

Growing Trust

Our commitment to our members is evident with 228,162 total share accounts, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments stand at $0, reinforcing our dedication to providing valuable services. In conclusion, 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 6700 Kalanianaole Hwy Ste 110 Honolulu Hi 96825 or call (808) 426-7300 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

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.

Operational Efficiency

Our impressive $18,148,173 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We're proud to have 370 full-time employees and 8 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Better Services

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're here to support your financial goals across various sectors.

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

At Hawaii State, we understand that borrowing can be a significant step towards achieving your goals, whether it's purchasing a car, buying a home, or managing everyday expenses. We offer a range of loan products designed to meet the diverse needs of our members in Honolulu, HI. With over 39,658 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are especially popular, with a total of $2,878 already helping members drive away in their new vehicles. If you're looking to buy a new car, our competitive rates make it easier than ever. We've financed $24,186,310 in new vehicle loans and $20,798,651 in used vehicle loans, ensuring that you find the right fit for your budget. Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $322,826,855. We aim to make the process of buying or refinancing simple and accessible for everyone. For those who may need extra help managing their finances, we also offer flexible terms on unsecured credit card loans, with a total of $37,620,367 in loans assisting our members in maintaining financial stability. Business owners can benefit from our outstanding commercial loans totaling $210,805,519, providing the capital needed to grow and expand their enterprises. Whether you're considering refinancing your current loans or exploring eligibility options for one of our products, our friendly team is here to guide you through every step of the process. We pride ourselves on being accessible and supportive to all our members. To learn more about our loan offerings or to discuss your specific needs, feel free to reach out to us at (808) 426-7300. For additional information, you can visit us at our branch located at 6700 Kalanianaole Hwy Ste 110 Honolulu Hi 96825, or check out our website at Hawaii State FCU. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together toward your financial success!

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