Hawaiistatefcu

Nestled in the thriving community of Kapolei, the Hawaii State Credit Union branch at 91590 Farrington Highway offers a welcoming financial home where your goals are our priority. Whether you're looking to secure one of Hawaii’s best auto loans or exploring competitive mortgage loans and refinancing options tailored for island living, this branch provides personalized solutions designed to fit your lifestyle. With convenient ATM and cash withdrawal services available Monday through Saturday, managing your finances is effortless and accessible.
At this location, members enjoy a full range of personal banking services including flexible checking and savings accounts, credit cards with rewarding benefits, and debt consolidation loans. Business owners also find valuable support through merchant services and business loans aimed at fostering local growth. Robust online and mobile banking platforms ensure you can securely access your accounts anytime, anywhere.
Serving over 130,000 members with assets surpassing $2.4 billion, Hawaii State Credit Union at Kapolei is committed to empowering Hawaiians on every step of their financial journey. Visit this branch or call 808-792-4020 today to discover how their top-rated auto financing and mortgage solutions can help you drive forward your financial future. 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 Kapolei Branch, where we prioritize your financial needs with a personal touch. Located at 91590 Farrington Highway 140, Kapolei, HI 96707, we have been serving our community since 1936, building trust and reliability with each member who walks through our doors. With over 132,192 members and total assets exceeding $2.4 billion, we are committed to offering financial solutions that empower you and your family. At Hawaii State, we understand the importance of community. That's why our focus extends beyond banking; we strive to support local initiatives and foster a sense of belonging among our members. Whether you're looking for personal banking services like checking accounts, auto loans, or mortgages, or business banking options such as merchant services and business loans, we've got you covered. Our dedicated team of 378 employees is led by CEO Andrew Rosen and Board President Mark Yamakawa, who are passionate about ensuring that every member receives the best service possible. While members can visit us at our branch location, official correspondence should be sent to 91-590 Farrington Highway 140, Kapolei, HI 96707. With total deposits of $196,611,332 and a net worth of $229,574,349, Hawaii State is not only financially stable but also well-equipped to help you achieve your financial goals. Our cash in hand totals $11,401,093, providing us with the flexibility to offer competitive loan rates and personalized financial advice. We invite you to explore our comprehensive range of services today! Call us at 808-792-4020 or visit our website at hawaiistatefcu.com to learn more about how we can assist you on your financial journey. Your future starts here!

Branch History & Mission

Community Focus

Our mission goes beyond just providing financial products; it's about making a positive impact in our community. We are proud to partner with local organizations and participate in outreach programs that uplift those around us. We believe that by investing in our community, we help create a brighter future for everyone. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address at 91-590 Farrington Highway 140, Kapolei, HI 96707.

Join Us Today!

As we look forward to the future, we invite you to become part of the Hawaii State family. Experience firsthand how we can support your financial journey while being actively involved in community initiatives. Whether you're looking for personal banking solutions or ways to grow your business, we're here for you. Come visit us during our operating hours Monday to Thursday from 9:00 a.m. to 5:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. or give us a call at 808-792-4020 for any inquiries. Join us at Hawaii State and let's build a brighter future together!

Modern Services for Everyone

At Hawaii State, we understand the importance of convenience in today's fast-paced world. That's why we offer online and mobile banking services that allow you to manage your finances anytime and anywhere. Our digital tools include mobile payments and person-to-person transfers to make transactions easier than ever. For those who prefer traditional banking methods, our branch features an ATM for quick cash access. We also take pride in being ADA compliant and ensuring that everyone can access our services comfortably.

Our Journey

From humble beginnings, Hawaii State has evolved significantly. We started as a small credit union focused on meeting the needs of local families. As we expanded, so did our commitment to adapting to the changing landscape of financial services. Today, we offer a comprehensive range of products including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking solutions. Our mission is clear: to empower our members through financial education and support while enhancing their quality of life.

Branch Location & Accessibility

A Convenient Place to Bank

At our Kapolei location, you'll find plenty of parking available right outside the entrance. Accessibility is important to us; our branch is fully ADA compliant with ramps and designated spots for those who need them. We want everyone to feel welcome and comfortable while they manage their finances.

Connect With Us

If you have questions or need assistance, don't hesitate to reach out! Give us a call at 808-792-4020. Our friendly team is ready to help you navigate your financial journey. We look forward to welcoming you in person at the Hawaii State Kapolei Branch!

Operating Hours Designed for You

Our doors are open from Monday to Thursday from 9:00 a.m. to 5:00 p.m., and on Fridays, we extend our hours until 6:00 p.m. For those busy weekends, we offer drive-thru services on Saturdays from 9:00 a.m. to 1:00 p.m., making it easier for you to access your accounts without missing a beat.

Services Tailored for Your Needs

The Hawaii State Kapolei Branch offers a variety of services designed to meet your banking needs. From personal banking options like checking and savings accounts to auto loans, mortgage financing, and credit cards with rewards, we have something for everyone. Plus, if you need quick cash or want to check your balance, our ATM is available at the branch for your convenience. While members can visit us at our physical location, official correspondence should be sent to our mailing address at 91-590 Farrington Highway 140, Kapolei, HI 96707.

Member Eligibility

Joining the Hawaii State community at Hawaii State is more than just opening an account; it's about becoming part of a supportive network that prioritizes your financial well-being. If you live, work, or worship in our community, you're already on your way to membership! We warmly welcome anyone who meets these simple criteria, as well as immediate family members of existing members. This means that if you're looking for a place that truly cares about your financial journey and offers personalized services, you've found it right here. Opening your account is a breeze! You can start the process by visiting us at 91590 Farrington Highway 140 Kapolei Hi 96707 or simply check out the details online for eligibility and the steps to get started at https://www.hawaiistatefcu.com/join/. If you have any questions or need assistance along the way, don't hesitate to give us a call at (808) 792-4020. We're excited to help you take this important step toward better banking!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a payment solution that makes transactions seamless for your customers. Our merchant services simplify the payment process, allowing you to focus on what really matters growing your business. Whether you're a local shop or an online store, we provide tools that help you accept payments efficiently and securely. Visit us at 91590 Farrington Highway 140 Kapolei Hi 96707 in Kapolei, HI, or give us a call at (808) 792-4020 to discover how we can help your business achieve its goals. Your success is our priority!

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

ATM Access and Shared Services

Need cash quickly? Our ATM services ensure easy access to your funds with locations available throughout the area. Additionally, as part of a network of shared branches, we provide basic transactions such as deposits and withdrawals for partner credit union members. At Hawaii State, we're dedicated to helping our members navigate their financial journeys with ease and confidence. If you're ready to explore these services further or have any questions, don't hesitate to reach out at (808) 792-4020 or visit us online at Kapolei Branch. Join us today and experience banking tailored just for you!

Business Banking Options

For our entrepreneurial members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. Whether you're starting a new venture or expanding an existing one, we're here to support your business goals.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. From making deposits to transferring funds or paying bills directly from your mobile device, banking has never been easier.

Financial Support When You Need It

Life can throw unexpected expenses your way, which is why our Personal Loans & Debt Consolidation services are here to help. We can assist you in consolidating debt into one manageable payment or provide funds for those unforeseen circumstances.

Homeownership Assistance

Thinking about buying a home? Our Mortgage Loans & Refinancing options are tailored to guide you through the journey of homeownership. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we provide personalized support every step of the way.

Personal Banking Solutions

We understand that managing your finances can sometimes be overwhelming. That's why we offer Personal Banking options like Checking & Savings Accounts designed to help you keep track of your money effortlessly. Imagine having a checking account that not only provides convenience but also rewards for your spending! With our Credit Cards with Rewards, you can earn points while making everyday purchases.

Vehicle Financing Made Easy

If you're considering a new vehicle, look no further. Our Auto Loans & Vehicle Financing services make it easier than ever to get behind the wheel of your dream car. We offer competitive rates and flexible terms that fit your budget. You'll appreciate how simple our application process is, allowing you to focus on choosing the right vehicle rather than worrying about financing.

Digital & Online Banking

At Hawaii State, we understand that your time is valuable. That's why we offer a range of digital and online banking services designed to make managing your finances as easy and secure as possible. With 24/7 access to your accounts, you can bank whenever it's convenient for you, all from the comfort of your home or on the go. One of the standout features available is our robust online banking platform, which you can access at https://www.hawaiistatefcu.com/. Here, you can check your account balances, pay bills, and transfer money with just a few clicks. Plus, our mobile application makes it even easier to manage your finances while you're out and about. Whether you're shopping or relaxing at the beach, you can stay connected to your accounts. For those who prefer paperless options, we offer electronic statements for a more eco-friendly approach to banking. You'll receive your statements securely in your inbox without worrying about paper clutter. Additionally, we support electronic signature authorization, allowing you to sign important documents quickly and securely from anywhere. Need to send money to a friend? Our person-to-person transfer feature lets you send cash easily and instantly no need for checks or cash withdrawals. And if you're looking to make purchases on-the-go, take advantage of our mobile payments feature for a quick checkout experience. Your security is our top priority. We ensure that all transactions are protected with industry-standard encryption and advanced security measures so you can bank confidently. With these user-friendly tools at your fingertips, managing your finances has never been easier or more accessible. Experience the convenience of digital banking with Hawaii State today!

Financial Strength

Commitment to Growth

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 impressive; 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.

Growing Member Base

Total Share and Deposit Accounts stand at 228,162, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. 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 91590 Farrington Highway 140 Kapolei Hi 96707 or call (808) 792-4020 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $18,148,173 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.

Secure Savings Opportunities

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.

Strong 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

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 financing for both new and used vehicles, making it easy for you to find the right option that fits your budget.

Business Loans

For business owners looking to expand or invest in growth opportunities, our outstanding commercial loans totaling $210,805,519 provide the capital needed to succeed. We understand the challenges businesses face and are committed to offering tailored solutions that fit your needs. At Hawaii State located at 91590 Farrington Highway 140 Kapolei Hi 96707, we prioritize transparency and accessibility in all our offerings. If you're interested in learning more about eligibility for our loans or refinancing options available to you, feel free to reach out at 808-792-4020. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan products today and see how we can support your financial journey!

Credit Lines and Personal Loans

For those needing more flexibility in their finances, we also offer total credit lines amounting to $247,879,997. This allows you to access funds as needed while only paying interest on what you use. Additionally, our unsecured credit card loans totaling $37,620,367 help members manage their expenses effectively with rewards and other benefits.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Loan Aggregator

How LendMesh Ensures 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 commitment to transparency ensures that users receive fair and accurate loan offers without hidden fees or misleading information. LendMesh stands out for several reasons: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you see reflects current market conditions. - No Sponsored Listings: Unlike some comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that empower you to make informed choices. - Real-Time Rate Comparisons: LendMesh provides up-to-date loan rates from multiple institutions, helping users find the best possible deals tailored to their needs. 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!" Testimonials like this highlight how LendMesh makes a meaningful difference in people's financial decisions. If you're looking for a straightforward way to compare loans and secure the best rates available, look no further. 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.*

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