Hawaii State FCU

Overview / Commentary
560 Halekauwila St
Honolulu, HI 96813

Hawaii State FCU is headquartered in Honolulu and is the 2nd largest credit union in the state of Hawaii. It is also the 203rd largest credit union in the nation. It was established in 1936 and as of March of 2024, it had grown to 368 employees and 131,147 members at 14 locations. Hawaii State FCU has a B+ health rating.

Field of Membership Restrictions

Membership in Hawaii State Federal Credit Union is open to employees or retirees of the State of Hawaii, the City or County of Honolulu, Maui County, Dole Food Diversified Agriculture, Kahuku Medical Center, and over 100 local Select Employer Groups.
See current membership details

Reviews (5)

Great Local Credit Union

Posted by: |

The credit union I use and trust the most is my employers credit union called Hawaii State Federal Credit Union. I needed a local credit union after I moved up to the big city and this was one of the larger credit unions in the state. They have branches opened on Saturday which makes banking easier as I'm usually working from 730-430. They have very friendly staff and people who are willing to help you get the product you need. I wanted to get a home equity line of credit from them and they helped me through the loan process. Unfortunately my apartments appraisal didn't come in high enough and I had to cancel the loan as I didn't have enough equity. The person I was working with got all my fees waived except for the credit report fee. How many banks would waive a $500 fee? That's why I feel their customer service is superb.

HSFCU Address My Concerns

Posted by: |

My concerns have been addressed. Mahalo!

Hawaii State Federal Credit Union Is My Go To

I've had multiple deposit accounts with Hawaii State FCU (HSFCU) including checkings, savings, money market accounts as well as short term CDs. Nearly all of my money that I regularly use is routed through them and I haven't had any issues regarding missed transactions or missing money. Their rates for interest are some of the highest for not being an online bank. I had short therm offers for CDs (I believe it was a 6 month CD for 1.5%). I had no problem switching over once the CD ran out. They have about 5 physical locations, 2 of which I frequent to do my banking. I really enjoy their customer service reps, they are generally knowledgeable and are very willing to help out in any way they can.
Their web/mobile services are just so good now that I really don't need to go out of my way to deposit. Really the only time I have to go into the bank is when I want to get forex for when I travel. Even with that their rates are very favorable compared to some banks and other exchange stores in my area.

Credit union for Hawaii government employees

Posted by: |

I've been a member with this credit union for 3 years. They have a lot of convenient locations and hours, including Saturday hours. They have an agreement with Bank of Hawaii so their members can use Bank of Hawaii ATMs. They have a mobile deposit option on their mobile phone app. I have difficulty logging into the mobile phone app. Agents at the credit union are very friendly and helpful. The lines are never too long. I would recommend this credit union to anyone who qualifies to be a member.

Hawaii State Federal Credit Union Does Banking Justice

Posted by: |

I am a member at the Hawaii State Federal Credit Union, the credit union caters to families who are employed under the local counties or state government. I was a member there due to my mother being a state employee, but ultimately I became a state employee as well. Their customer service is second to none as they usually have at least 3 to 4 customer service reps open at any given time. Even when there are longer lines someone quickly opens up their line and the rush is worked through in a quick and efficient manner. I also have used their loan services and have had the pleasure to deal with their loan officers. They are very courteous and respectful and have always worked with me in needing my financial needs. Their loan rates are usually one of the best loan rates out there also, typically at least 0.25 to 0.5% lower than other comparable banks and even other credit unions. I once went in to try to refinance my mortgage and throughout the process one of their Loan Specialists was very helpful, updating me as often as he could. At one point in the process my assessment for the price of my condo came in and was too low to refinance the entire condo. He called me and stated that I would have to put quite a lot of money down and he understood my situation. He talked to his supervisor and got them to delete their filing fee of over $500. That showed me that they truly do care about their members and that they are a great financial institution.


Health Grade Components

NCUA #1718
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD6.28%
Annual Interest Income$22.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.38B$2.35B
LoansQ1 2024vs Q1 2023$1.25B$1.14B
DepositsQ1 2024vs Q1 2023$2.17B$2.16B
Equity CapitalQ1 2024vs Q1 2023$166.6MM$144.2MM
Loan Loss AllowanceQ1 2024vs Q1 2023$8.8MM$7.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$5.7MM$1.9MM
Real Estate OwnedQ1 2024vs Q1 2023$247K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Hawaii State FCU Savings Account Rates

2.00%*$100k*-Relationship Max Share
OTHER TIERS: 0.05% $0 - $50k | 1.00% $50k - $100k
0.20%$0-Individual Retirement Account
0.18%*$25k*-Investment Share Account
OTHER TIERS: 0.05% $0 - $2.5k | 0.07% $2.5k - $25k
0.05%$0-Regular Share Account

Hawaii State FCU Checking Account Rates

0.03%*$50k*-Relationship Checking
OTHER TIERS: 0.02% $0 - $50k
0.02%$0-Dividend Checking

Hawaii State FCU CD Rates

4.25%$5k-9 Month CD Special - New Money
4.00%$1k$50k5 Month CD Special
0.65%$1k-60 Month CD
0.30%$1k-48 Month CD
0.25%$1k-24 Month CD
0.25%$1k-36 Month CD
0.20%$1k-12 Month CD
0.15%$1k-6 Month CD


Honolulu Area

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