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Hawaii State Federal Credit Union

Popular Accounts at this Credit Union

1.00%5-year CD60 Month CD
0.35%1-year CD12 Month CD
0.10%SavingsRegular Share Account

Overview / Commentary
560 Halekauwila St
Honolulu, HI 96813

Hawaii State Federal Credit Union is headquartered in Honolulu and is the 2nd largest credit union in the state of Hawaii. It is also the 158th largest credit union in the nation. It was established in 1936 and as of June of 2016, it had grown to 273 employees and 93,840 members at 8 locations. Hawaii State Federal Credit Union has an A+ 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 (3)

Great Local Credit Union

Posted by: gregtake | Jan 27, 2015

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.

Credit union for Hawaii government employees

Posted by: cat | Jun 28, 2015

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: Mckinley | Jun 19, 2015

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 - YTD0.51%
Return on Equity - YTD4.36%
Annual Interest Income$20.3MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.45B$1.39B
LoansQ2 2016vs Q2 2015$692.6MM$607.5MM
DepositsQ2 2016vs Q2 2015$1.26B$1.21B
Equity CapitalQ2 2016vs Q2 2015$167.4MM$157.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$3.0MM$3.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$951.00K$5.3MM
Real Estate OwnedQ2 2016vs Q2 2015$0$0
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Hawaii State Federal Credit Union Savings Account Rates

0.35%--Individual Retirement Account
0.35%--Roth IRA Savings
0.35%--Coverdell Education Savings Account
0.15%*$100k*-Investment Share Account
OTHER TIERS: 0.05% Up to $2,500 | 0.10% $2,500 - $50k | 0.12% $50k - $100k
0.10%$100-Regular Share Account
0.10%--Green Bucks Account

Hawaii State Federal Credit Union Checking Account Rates

0.15%*$50k*-Platinum Checking Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k
0.05%$500-ShareCheck (Checking) Account

Hawaii State Federal Credit Union CD Rates

1.00%$1k-60 Month CD
0.75%$1k-48 Month CD
0.55%$1k-36 Month CD
0.45%$1k-24 Month CD
0.35%$1k-12 Month CD
0.25%$1k-6 Month CD

Hawaii State Federal Credit Union IRA Rates

1.00%$1k-60 Month IRA
0.75%$1k-48 Month IRA
0.55%$1k-36 Month IRA
0.45%$1k-24 Month IRA
0.35%$1k-12 Month IRA
0.25%$1k-6 Month IRA

Hawaii State Federal Credit Union Locations
Branch Office590 Farrington Hwy Unit 140Kapolei, HI 96707
Branch Office95-1095 Ainamakua Dr Ste 9Mililani, HI 96789
Branch Office46-047 Kamehameha Hwy Unit 7Kaneohe, HI 96744
Branch OfficeWestridge Shopping Center 98-150 Kaonohi St Ste C101Aiea, HI 96701
Branch Office560 Halekauwila StHonolulu, HI 96813
Branch Office1099 Alakea St Ste 100Honolulu, HI 96813
Branch OfficeTriangle Square 425 Koloa St Ste 101BKahului, HI 96732
Branch Office3221 Waialae Ave Ste 16-6BHonolulu, HI 96816