Hawaiistatefcu

Nestled in the heart of Mililani, Hawaii State Credit Union’s branch at 951095 Ainamakua Dr Ste 9 is a welcoming community hub where your financial goals take center stage. Whether you’re looking to secure one of Hawaii’s best auto loans to get you on the road or explore competitive mortgage loans and refinancing tailored for island living, this branch offers personalized solutions designed with your needs in mind. With convenient ATM and cash withdrawal services available Monday through Saturday, managing your money has never been easier.
At this location, members can enjoy a full range of services including flexible checking and savings accounts, credit cards with rewarding benefits, personal loans for debt consolidation, as well as specialized business banking options like merchant services and business loans crafted to support local entrepreneurs. Robust online and mobile banking platforms ensure you can access your accounts anytime, anywhere.
Serving over 130,000 members with assets exceeding $2.4 billion, Hawaii State Credit Union at Mililani is your trusted partner for comprehensive financial solutions. Visit today or call 808-791-1180 to experience local service and discover how their top-rated auto financing and mortgage products can help you drive toward your dreams!

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 Mililani Mauka Branch, where we pride ourselves on being more than just a financial institution. Located at 951095 Ainamakua Dr Ste 9, Mililani, HI 96789, our branch has been a trusted part of the community since 1936. With over 132,192 members, we are dedicated to providing personalized services that empower you to achieve your financial goals. At Hawaii State, we understand that your finances are personal. That's why we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and business financing. With total assets exceeding $2.4 billion, and total deposits amounting to $196,611,332, you can trust us to manage your money wisely. Our leadership team, under the guidance of CEO Andrew Rosen and Board President Mark Yamakawa, is committed to fostering a supportive environment for all members. Together with our dedicated staff of 378 employees, we ensure that every interaction is warm and welcoming. While members can visit us at our Mililani location, official correspondence should be sent to 95-1095 Ainamakua Dr Ste 9, Mililani, HI 96789 if different from our branch address. We invite you to explore what we have to offer by visiting our website at Hawaii State FCU or calling us at 808-791-1180. Join us in building a brighter financial future together!

Branch History & Mission

Hawaii State has a proud history of serving the community since its establishment in 1936. Located at 951095 Ainamakua Dr Ste 9 in Mililani, HI, our branch has become a cornerstone for financial support and growth in the area. Over the years, we have built a strong membership base, currently serving over 132,192 members, and managing total assets of approximately $2.42 billion. Our mission is clear: to empower our members by providing exceptional financial services while fostering a supportive community environment. We believe that everyone deserves access to quality banking solutions, and we strive to make that a reality through our various offerings such as checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. While members can visit us at our physical location in Mililani, official correspondence should be sent to our mailing address at 95-1095 Ainamakua Dr Ste 9, Mililani, HI 96789. Our branch is conveniently located near local landmarks that make it easy for you to drop by. In line with our commitment to accessibility, we provide ATM availability for your convenience. While we do not have drive-thru banking, we ensure that our lobby hours are accommodating: Monday through 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. At Hawaii State, we take pride in embracing modern technology to enhance your banking experience. Our digital services include online banking and mobile payments, making it easy for you to manage your finances wherever you are. We also offer shared service center access for partner credit union members so that more people can benefit from our services. As part of our mission to support the community, we actively engage in outreach programs and partnerships that help improve the lives of those around us. Whether it's through financial education workshops or local sponsorships, we aim to give back to the community that has supported us for so many years. Join us at Hawaii State and experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization. If you're interested in becoming a member or learning more about what we offer, please don't hesitate to reach out at 808-791-1180 or visit us online at Hawaii State FCU. We look forward to welcoming you!

Branch Location & Accessibility

Convenient Access

Parking is ample and easy to find, so you won't have to worry about where to leave your car during your visit. Our branch is fully accessible, featuring ADA-compliant entrances and ramps to ensure everyone can enjoy our services comfortably. If you need assistance, our friendly staff is always ready to help!

Get in Touch!

Have questions? Don't hesitate to reach out! You can give us a call at (808) 791-1180 for any inquiries or simply drop by our branch. We're excited to help you achieve your financial goals and look forward to seeing you soon!

Operating Hours That Fit Your Schedule

We understand that life can get busy. That's why our operating hours are tailored to fit your needs: - Monday through Thursday from 9:00 a.m. to 5:00 p.m. - Friday from 9:00 a.m. to 6:00 p.m. - Saturday from 9:00 a.m. to 1:00 p.m. Feel free to stop by during these hours for any banking needs or questions you may have!

Services Tailored for You

At the Mililani Mauka Branch, we offer a range of services designed with our members in mind. From personal checking and savings accounts to auto loans and mortgage options, we have everything you need under one roof. Plus, our ATM is available for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 951095 Ainamakua Dr Ste 9 Mililani Hi 96789, official correspondence should be sent to our mailing address at 95-1095 Ainamakua Dr Ste 9, Mililani, HI 96789.

Member Eligibility

Welcome to the Hawaii State family! Joining us at Hawaii State means becoming part of a caring community dedicated to your financial well-being. To become a member, you simply need to meet a few friendly criteria. Generally, individuals who live, work, or worship in our service areas are eligible. It's all about creating connections and supporting each other! For more specific details about eligibility, feel free to check out our resource at https://www.hawaiistatefcu.com/join/. Starting your membership journey is easy too! You can open an account online or visit us in person at our branch located at 951095 Ainamakua Dr Ste 9 Mililani Hi 96789. Our team is here to help every step of the way, so don't hesitate to reach out at (808) 791-1180 if you have any questions. Join us today and enjoy the benefits of being part of a community-focused credit union!

Business Banking & Commercial Services

Commercial 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 addition to loans, our merchant services offer practical tools for everyday operations. Imagine having a point-of-sale system that allows you to accept payments easily while managing your inventory seamlessly. Whether you're a local coffee shop or an online retailer, our services are designed to fit your specific needs. Visit us at 951095 Ainamakua Dr Ste 9 Mililani Hi 96789 in Mililani, HI, or call us at (808) 791-1180 to learn more about how we can assist you in achieving your business goals!

Comprehensive List Of Services

Business Banking Solutions

For local businesses, we offer specialized business banking services, including merchant services and business loans. These solutions are designed to help you thrive in today's competitive market.

Cash Withdrawal & Shared Branch Transactions

Need cash? We've got you covered with our ATM and cash withdrawal services available throughout the area. As part of our commitment to community banking, we also facilitate basic shared branch transactions, allowing members from partner credit unions to easily deposit or withdraw funds at our location. If you're located near us at 951095 Ainamakua Dr Ste 9 in Mililani, HI 96789, don't hesitate to reach out! You can contact us at 808-791-1180 for any inquiries about our services or how we can assist you further. At Hawaii State Credit Union, we're here to help you achieve your financial goals with a friendly smile and personalized service. Explore all that we have to offer today! Visit us online or stop by our branch!

Convenient Digital Banking

In this digital world, we strive to make banking accessible whenever you need it. Our online and mobile banking platforms allow you to manage your accounts from anywhere at any time. Whether it's checking your balance, making transfers, or paying bills, we've made it simple for you. Our mobile payment options ensure that you can handle transactions on the go without hassle.

Personal Banking Services

When it comes to personal banking, we understand that managing your finances should be convenient and straightforward. That's why we offer checking and savings accounts tailored to fit your lifestyle. If you're considering buying a car, our auto loans and vehicle financing options make purchasing or refinancing a vehicle easy and affordable. For those looking to invest in a home, our mortgage loans and refinancing services provide competitive rates and flexible terms. We also recognize that life can bring unexpected expenses. Our personal loans and debt consolidation options can help you manage those situations with ease. Plus, with our credit cards featuring rewards, you can earn benefits on your everyday purchases, making every dollar spent work harder for you.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. You no longer have to wait in line; everything you need is right at your fingertips. Plus, with electronic signature authorization Yes, signing important documents has never been easier or more secure. If you prefer going paperless, we offer e-statements Yes that let you view your account activity without the clutter of physical paperwork. Keeping track of your finances has never been simpler! For those on the go, our mobile application Yes brings all these features directly to your smartphone. Need to send money to a friend? Our person-to-person transfers Yes allow you to do just that quickly and securely. You can even make mobile payments Yes with ease, so you can leave your wallet behind.

Security and Accessibility

We prioritize your security while ensuring our services remain user-friendly. Our online banking platform utilizes advanced encryption technology to protect your personal information. This means you can manage your money confidently without worrying about unauthorized access. At Hawaii State, we believe that managing your finances should be straightforward and accessible for everyone. Whether you're at home or out and about, our digital banking services empower you to take control of your financial journey in real-time. Explore all that our digital banking has to offer today by visiting https://www.hawaiistatefcu.com/!

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 how important it is for you to feel confident in the institution that manages your hard-earned money. Our financial strength reflects our commitment to serving you well. 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. 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. 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. 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. Total Share and Deposit Accounts stand at 228,162, showing 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 951095 Ainamakua Dr Ste 9 Mililani Hi 96789 or call (808) 791-1180 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 financing options that make it easy to drive away in the vehicle you want. Plus, if you're considering refinancing your current auto loan, we have options available to help lower your payments.

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 support your success. At Hawaii State, we're dedicated to making the lending process as straightforward as possible. Whether you're looking for information on eligibility or want to explore refinancing options, our team is here to guide you through every step. For performance insights and financial data regarding our loan offerings, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Reach out today and discover how our loan products can help you take control of your financial future!

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 work closely with our members to ensure they understand their options and find the best fit for their financial situation.

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 rewards and no annual fees, providing you with added value while you spend.

Loan Aggregator

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