Hawaiistatefcu

Nestled in the heart of Kihei, Hawaii State Credit Union’s branch at 277 Piikea Ave is your trusted local partner for achieving financial goals that matter. 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 to keep your funds accessible when you need them most. 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, Hawaii State is here to provide personalized guidance every step of the way.
Members enjoy a full spectrum of financial solutions including flexible checking and savings accounts, credit cards with rewarding benefits, personal loans, and debt consolidation options—all supported by easy-to-use online and mobile banking platforms. Business owners can also take advantage of specialized merchant services and business loans designed to help local enterprises thrive.
Serving over 132,000 members with more than $2.4 billion in assets, this Kihei branch combines strong community values with expert financial support. Visit Hawaii State Credit Union at Piikea Avenue or call 808-270-6850 today to discover how their outstanding auto financing and mortgage products can help you drive toward your dreams. Experience personalized service rooted in island culture!

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 in the heart of Kihei! Located at 277 Piikea Ave, Kihei, HI 96753, our branch has been serving the community since 1936, providing reliable banking solutions for over 85 years. Whether you're looking for personal banking services, auto loans, or business financing, we are dedicated to meeting your needs with a personal touch. At Hawaii State, we take pride in our strong community ties and a commitment to helping our members thrive. With a total membership of 132,192 and assets totaling an impressive $2,421,182,722, our robust financial foundation allows us to offer competitive rates and excellent service. Our total deposits stand at $196,611,332, showcasing the trust that our members place in us. Our leadership team is passionate about guiding Hawaii State into the future. Under the direction of CEO Andrew Rosen and Board President Mark Yamakawa, we are focused on empowering every member to achieve their financial goals. We understand that each member's journey is unique, which is why we offer tailored solutions designed just for you. While members can visit us at our physical location for face-to-face assistance and services like ATMs and online banking options, official correspondence should be sent to 277 Pi-ikea Ave, Kihei, HI 96753 if it differs from our branch address. We invite you to explore what we have to offer! With over 37 dedicated employees ready to assist you and a wide range of services from checking accounts to mortgage loans we're here for you every step of the way. If you have any questions or would like to learn more about how Hawaii State can help you manage your finances effectively, feel free to reach out at (808) 270-6850. Join us today and experience the difference that comes with being part of a community-focused credit union! Visit our website at hawaiistatefcu.com or stop by our branch we can't wait to meet you!

Branch History & Mission

At Hawaii State, our journey began in 1936 when we opened our doors in the beautiful community of Kihei, HI. With a rich history spanning over eight decades, we have grown from a small credit union into a trusted financial partner for more than 132,000 members. Our branch, located at 277 Piikea Ave, Kihei, HI 96753, stands as a testament to our commitment to serve and uplift the community. Nestled in this vibrant area of Maui, we are proud to be part of such a lively and welcoming neighborhood. Our mission is simple yet profound: to empower our members through accessible financial services and unwavering community support. We believe that everyone deserves the opportunity to achieve their financial goals, whether it's buying a home, financing a vehicle, or saving for the future. With total assets exceeding $2.4 billion, we are well-equipped to provide the resources and guidance needed for our members' financial journeys. Over the years, we've made significant strides in enhancing our services. From implementing online and mobile banking solutions to providing personalized customer service, we focus on making banking easier and more convenient for you. Our commitment to accessibility extends beyond technology; we ensure that our facilities comply with ADA standards so everyone can feel welcome at Hawaii State. While members can visit us at 277 Piikea Ave for all their banking needs, official correspondence should be sent to our mailing address: 277 Pi-ikea Ave, Kihei, HI 96753. Our operating hours are designed with your convenience in mind Monday through Friday from 9:00 am to 6:00 pm and Saturdays from 9:00 am to 3:00 pm. As part of our dedication to giving back, we actively engage in community outreach efforts and partnerships that benefit local organizations and events. These initiatives reflect our belief that when our community thrives, we all prosper together. We invite you to become part of the Hawaii State family! Join us today and experience firsthand how we can help you reach your financial dreams while supporting the community you love. For more information or to open an account, please visit our website or call us at (808) 270-6850. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Hawaii State FCU, we believe banking should be accessible for everyone. Our branch is designed with ADA compliance in mind, featuring ramps and spacious entryways for easy access. Plus, ample parking is available nearby to ensure your visit is as smooth as possible.

Call to Action

We invite you to come by our Kihei location or give us a call at 808-270-6850 if you have any questions or need assistance. Experience the difference with Hawaii State FCU your trusted partner in financial success right here in Maui!

Operating Hours

We're here for you during convenient hours! Our lobby is open Monday through Friday from 9:00 AM to 6:00 PM and on Saturday from 9:00 AM to 3:00 PM. Whether you need assistance with personal banking, auto loans, or online services, our friendly team is ready to help during these hours.

Services Offered

At the Kihei Branch, we provide a wide range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, enjoy the convenience of ATM access for quick cash withdrawals and balance checks.

Member Eligibility

At Hawaii State, we believe in building a welcoming community where everyone feels at home. Becoming a member is as simple as sharing a connection to our vibrant area or meeting certain criteria, which may include being a resident of Maui County or having family ties with current members. We aim to make banking accessible for all, so if you're interested in joining our family, check out the detailed eligibility guidelines at https://www.hawaiistatefcu.com/join/. Once you know you qualify, opening an account is a breeze! Just visit us online through https://olb.hawaiistatefcu.com/registration or give us a call at (808) 270-6850 for any questions you might have. We're excited to help you start your journey with us at Hawaii State, located at 277 Piikea Ave Kihei Hi 96753!

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

Imagine running your business without worrying about payment processing. Our merchant services make it easy for you to accept payments, manage transactions, and streamline operations. This way, you can focus on what you do best growing your business. From point-of-sale systems to online payment options, we provide the tools you need to serve your customers effectively. Located at 277 Piikea Ave Kihei Hi 96753, Kihei, HI, we're here to support your journey. Connect with us at (808) 270-6850 during our operating hours: Mon-Fri 9:00am-6:00pm, Saturday 9:00am-3:00pm. Let's work together to take your business to the next level!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATMs are available for withdrawals and balance checks whenever you need them. Enjoy easy access without the hassle of long lines. At Hawaii State, we're committed to enhancing your financial journey with personalized service and innovative solutions. Explore how we can assist you today! Visit us at Kihei Branch At Safeway or give us a call at (808) 270-6850 for more information about any of these services. We look forward to serving you!

Auto Loans & Vehicle Financing

Dreaming of a new car? At Hawaii State, we offer competitive auto loans and vehicle financing options. Our knowledgeable staff will guide you through the process, ensuring you get the best rate possible. Picture yourself driving off in your dream vehicle without the financial stress let us help make that happen!

Business Banking

For our business members, we provide comprehensive banking solutions including merchant services and business loans. Whether you're starting a new venture or looking to expand an existing one, we're here to support your growth every step of the way.

Credit Cards with Rewards

Take advantage of our credit cards that offer rewards tailored for your spending habits. Enjoy perks like cashback or points towards travel while building your credit score. It's not just about spending; it's about earning rewards for the things you already buy!

Mortgage Loans & Refinancing

Homeownership is an important goal for many families. Our mortgage loans and refinancing options provide flexible solutions for purchasing or refinancing your home. We understand that every member's situation is unique, so we work closely with you to find a plan that fits your budget and lifestyle.

Online & Mobile Banking

Convenience is key in today's fast-paced world, which is why we prioritize our online and mobile banking services. With features such as person-to-person payments and e-statements, managing your finances has never been easier.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine effortlessly managing your finances with features like online and mobile banking. You can check balances, transfer money, and pay bills right from your phone or computer, making everyday banking simple and convenient.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the financial relief you need. Think about how much easier life would be with one manageable payment instead of juggling multiple debts our team is here to help you achieve that peace of mind.

Digital & Online Banking

Easy Payments and Transfers

Making payments is a breeze with our mobile payments feature, letting you pay for goods and services directly from your phone. Want to send money to friends or family? Our person-to-person transfer service allows you to do that quickly and safely. With these user-friendly tools, managing your money has never been easier. Whether you prefer using a computer or a mobile device, our digital banking services are designed for accessibility and ease of use. Join us at Hawaii State today and experience the convenience of modern banking!

Key Features

Our online banking platform provides real-time account management, allowing you to check balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of e-statements, which means you'll receive your financial documents electronically no more waiting for mail or worrying about paper clutter. Need to sign documents quickly? Our electronic signature authorization feature makes it easy to handle necessary paperwork without the hassle of printing or mailing. Plus, if you're on the go, our mobile application lets you manage your finances right from your smartphone.

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 be a reliable partner in your financial journey, and our strong financial health demonstrates our commitment to serving you well. 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 showcases a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even during 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 focus on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to serving our members is reflected in our $184,574,704 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve you 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. Our operational efficiency is evident in our $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, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Additionally, we have made it easy for you to keep track of your finances with 228,162 total share accounts showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0, further demonstrating our dedication to supporting 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 277 Piikea Ave Kihei Hi 96753 or call (808) 270-6850 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 are interested in financing a new or used vehicle, our flexible terms can fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $210,805,519 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are committed to offering solutions that work 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're here to guide you through every step of the mortgage process so you can focus on what matters most.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better terms or rates, we can assist with that as well. Our team will work with you to explore eligibility options tailored to your financial situation. 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 how Hawaii State can assist with all your lending needs today!

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 benefits designed to suit your spending habits while giving you control over your budget.

Loan Aggregator

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 approach guarantees fair and transparent offers, allowing users to make informed decisions without hidden surprises.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, making it easier to find the best option for their needs. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and user-friendly the platform is. 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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