Hawaiistatefcu

Nestled in the vibrant community of Honolulu, the Hawaii State Credit Union branch at 377 Keahole St is your local partner for achieving financial success. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 3:00 p.m., this branch offers convenient ATM and cash withdrawal services designed to keep your money within easy reach. Whether you’re looking to secure one of Hawaii’s best auto loans or explore low mortgage rates tailored for island living, Hawaii State provides personalized financing options that make your goals attainable.
With over 132,000 members and assets exceeding $2.4 billion, Hawaii State Credit Union combines community values with robust financial solutions. Members enjoy a wide range of services including flexible checking and savings accounts, credit cards with rewarding benefits, personal loans, and debt consolidation options—all supported by user-friendly online and mobile banking platforms.
Business owners also benefit from specialized merchant services and business loans aimed at fostering local growth. Visit the Hawaii State Credit Union branch on Keahole Street or call 808-426-7320 today to experience trusted service and discover how their competitive auto loans and mortgage refinancing can help you drive forward your financial future.

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 the Hawaii State Credit Union, your trusted partner in financial well-being since 1936. Located conveniently at 377 Keahole St, Honolulu, HI 96825, we are committed to serving our community with integrity and care. With a membership base of over 132,192, we pride ourselves on being more than just a credit union; we're a part of your community. At Hawaii State, we understand that financial decisions can be overwhelming. That's why our dedicated team of 378 employees, led by CEO Andrew Rosen and Board President Mark Yamakawa, is here to guide you every step of the way. Whether you're looking for personal banking solutions like checking accounts and auto loans or business banking options including merchant services and business loans, we've got you covered. Financial strength is at the heart of what we do. Our total assets stand at an impressive $2,421,182,722, with total deposits reaching $196,611,332. We're proud to offer over 39,658 loans and leases tailored to meet your needs. With a net worth of $229,574,349 and cash in hand amounting to $11,401,093, you can trust that your finances are in good hands. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 377 Keahole Street, Honolulu, HI 96825. We invite you to explore our range of services on our website at https://www.hawaiistatefcu.com, or give us a call at 808-426-7320 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM. Join us today and experience a credit union that genuinely cares about its members!

Branch History & Mission

Community Engagement

We take pride in being more than just a credit union; we are an integral part of the Honolulu community. Through partnerships with local organizations and participation in community events, we strive to uplift those around us. Whether it's providing educational workshops or sponsoring local sports teams, our goal is to make a positive impact. As part of our commitment to innovation, we have embraced digital advancements that enhance member experience. Our online banking platform allows members easy access to their accounts anytime, anywhere. This user-friendly approach ensures that managing finances is simple and efficient. We invite you to join Hawaii State! Experience firsthand how we can support your financial journey while making a meaningful difference in our shared community. Visit us today or explore more about membership options here. Together, let's build a brighter future!

Our Mission

Our mission at Hawaii State is clear: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to reliable financial tools and resources. That's why we emphasize not only banking services but also community outreach programs aimed at supporting local initiatives and improving lives. While members can visit us at 377 Keahole St, official correspondence should be sent to 377 Keahole Street, Honolulu, HI 96825 if different needs arise. Our dedicated team operates from Monday to Friday from 9:00 AM to 6:00 PM, and on Saturday from 9:00 AM to 3:00 PM. We also offer ATM availability for convenient cash access.

Branch Location & Accessibility

Call to Action

We look forward to welcoming you! For any questions or assistance before your visit, feel free to give us a call at 808-426-7320. Come experience the friendly service that sets Hawaii State Credit Union apart!

Nearby Landmarks and Accessibility

Situated near popular spots like the Hawaii Kai Town Center, our branch is not only accessible but also a part of a vibrant community hub. If you're visiting us, you'll find ample parking available for your convenience. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and pathways to ensure that everyone can easily access our services.

Operating Hours and Services

We invite you to visit us during our friendly operating hours: Monday through Friday from 9:00 AM to 6:00 PM, and Saturdays from 9:00 AM to 3:00 PM. We understand that life can be busy, so we aim to provide flexible hours that fit your schedule. At our Hawaii Kai Branch, we offer a range of personal banking services including checking and savings accounts, auto loans, mortgage options, credit cards with rewards, and more. Need cash? We have an ATM on-site for quick withdrawals and balance checks. While members can visit us at 377 Keahole St, official correspondence should be sent to the same address as our mailing address remains consistent.

Member Eligibility

Joining the Hawaii State family at Hawaii State is more than just opening an account; it's about becoming part of a supportive community that cares for your financial well-being. To become a member, you simply need to meet a few friendly eligibility criteria, which primarily include living or working in Hawaii or being related to someone who does. We believe in making banking accessible and inviting, so whether you're looking for personal loans, savings accounts, or other financial services, you'll find a welcoming home with us. For detailed eligibility information, feel free to visit https://www.hawaiistatefcu.com/join/. Once you know you're eligible, opening an account is a breeze! You can start your membership journey online at https://olb.hawaiistatefcu.com/registration, or if you prefer a personal touch, give us a call at (808) 426-7320. Our dedicated team is ready to help you every step of the way. You can find us located at 377 Keahole St Honolulu Hi 96825, where we look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that make transactions smoother and help you focus on what you do best running your business. Imagine easily accepting payments from customers, whether in-store or online, without worrying about complicated setups or hidden fees. Our services streamline payment processing, enabling you to enhance customer satisfaction while increasing your sales. Located at 377 Keahole St Honolulu Hi 96825, Honolulu, HI, our team is here to provide personalized service that meets the unique needs of your business. Connect with us today at (808) 426-7320 to learn more about how we can help your business thrive!

Tailored Loan Solutions

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 Solutions

For our business members, we offer comprehensive business banking services, including merchant services and business loans. Whether you're a small start-up or an established company, we have the tools to help your business thrive. Imagine having access to financial resources that enable growth without the hassle.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your finances anytime, anywhere. With options for ATM access including cash withdrawals and balance checks you can take control of your money without stepping foot in a branch. Our digital capabilities also extend to person-to-person payments, allowing you to send money easily to friends or family without any fuss.

Get Started Today!

We invite you to visit us at Hawaii State in Honolulu or give us a call at 808-426-7320 during our operating hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 3 PM. Our friendly staff is ready to assist you with any questions about our comprehensive services. Don't wait; take charge of your financial future today! For more information about becoming a member or opening an account, please visit our website.

Personal Banking Services

Whether you are just starting out or looking to manage your savings better, our personal banking services have something for everyone. We offer checking and savings accounts that come with competitive rates and easy access to your funds. Imagine having a dedicated account where you can safely store your money while earning interest at the same time! If you're considering a new vehicle, our auto loans and vehicle financing options can help make that dream a reality. Picture driving off in your new car with affordable monthly payments tailored to fit your budget. For those looking to buy a home or refinance their current mortgage, our mortgage loans and refinancing solutions are designed to simplify the process and get you into your new space as quickly as possible.

Support for Your Financial Goals

Managing debt can be overwhelming, but our personal loans and debt consolidation services aim to ease that burden. We understand that life happens, and sometimes you need a little extra support. Our team is here to guide you through the options available so you can regain control over your finances. Additionally, if you're looking for ways to earn rewards on your spending, our credit cards with rewards program is perfect for you. Enjoy perks while making everyday purchases it's like getting paid back for what you already buy!

Digital & Online Banking

Mobile Application

For those always on the go, our mobile application is available for download, making it even easier to bank wherever you are. With features like mobile payments and person-to-person transfers, sending money to friends or family has never been simpler. Whether you're out shopping or catching up with friends over coffee, you can handle your banking needs right from your phone.

Online Banking Features

Our online banking services at https://www.hawaiistatefcu.com/ give you the ability to check balances, transfer funds, and pay bills right from your computer or mobile device. Enjoy the peace of mind that comes with secure transactions and real-time updates on your account activity. Plus, we provide 24/7 access so you can manage your finances whenever it suits you.

Paperless Convenience

Say goodbye to paper clutter with our e-statements feature! You'll receive your statements electronically, ensuring they are safe and easily accessible. Plus, with electronic signature authorization, signing documents is a breeze no more printing or mailing required.

Security You Can Trust

Your security is our top priority. Our online services are equipped with robust security measures to protect your personal information. We want you to feel confident knowing that your data is safe while you enjoy the ease of digital banking. With all these features at Hawaii State, managing your finances has never been more straightforward. Explore our digital banking options today at https://www.hawaiistatefcu.com/ and take control of your financial journey!

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 understand that in today's world, having a trustworthy financial partner is essential for your peace of mind and future planning. That's why we want to share our impressive financial standing with you. 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. We are proud to secure our members' savings 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 your financial well-being is further demonstrated by our $184,574,704 in undivided earnings. This means we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. 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. Additionally, our operational efficiency is reflected in our impressive $18,148,173, which enables 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 who are always ready to serve you with a knowledgeable, committed team. The strength of our membership is evident as well; we currently boast 228,162 total share accounts a testament to the trust our community places in us. 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 377 Keahole St Honolulu Hi 96825 or call (808) 426-7320 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 offer competitive terms that can fit your budget. Plus, if you're considering refinancing an existing auto loan, we can help with that too!

Business Loans

For business owners, our outstanding commercial loans totaling $210,805,519 provide the capital needed to grow and expand. We understand the unique challenges businesses face, and we're committed to supporting local entrepreneurs with financing solutions that work for them. At Hawaii State, we're dedicated to providing personalized service and support for all your lending needs. If you're interested in learning more about our loan offerings or checking your eligibility, feel free to give us a call at (808) 426-7320 or visit us 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. 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 look forward to assisting you on your financial journey!

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. Our team is here to guide you through the process and ensure you find the right mortgage solution for your needs.

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. Our credit cards come with various rewards and benefits to enhance your spending experience while keeping your finances secure.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information presented is accurate and reflects current market conditions. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. This commitment to impartiality means that you will receive unbiased results, allowing you to make choices based solely on your needs. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, LendMesh equips users with the insights needed to make informed decisions. You can compare different offers without worrying about outdated information. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals secure better financial outcomes. Take control of your financial future today. Compare real-time loan offers 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.*

Ensuring Accurate Loan 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 guarantees that the offers you see are fair and transparent. By working with reliable institutions, LendMesh ensures that users get accurate information for their loan comparisons.

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