Skip to content
Rates
Locations & Hours
Schedule Appointment
Contact Us
PERSONAL
BUSINESS
INVESTMENT
LEARN
HELP
Become a Member
Login
Digital Banking
Username
Forgot Username/Password?
Enroll in Digital Banking
About Us
Close About Us
Open About Us
Who We Are
Why Hawaii State FCU?
Member Benefits
Careers
Board of Directors
Annual Reports
What's New
Events
Offers & Promotions
Press Releases
CreditLines Newsletter
Our Headquarters
Where membership means more
Enjoy a variety of financial solutions, benefits and discounts.
Learn about Member Benefits
Community Impact
Close Community Impact
Open Community Impact
Community at the Heart
Our Impact Areas
How We Give Back
Teacher Grants
Scholarships
Inspirational Stories
Voices of Change
Here in Hawaii
The HSFCU Podcast
Check out the first season of our Voices of Change podcast.
Learn more
Resources
Close Resources
Open Resources
Financial Health
Wallet Wisdom Blog
Financial Wellness
Online Courses
Bites on a Budget
Tools
Calculators
Debt Protection
Bites on a Budget
Easy, delicious, wallet-friendly recipes.
See recipes
Fraud & Security Center
Close Fraud & Security Center
Open Fraud & Security Center
Fraud & Security
Fraud Alerts
Protecting Your Accounts
Helpful Links
Identity Theft Recovery Checklist
Online Fraud & Protection Guide
How to Spot a Scam
Wallet Wisdom Blog
Financial Preparedness for Natural Disasters
Read article
Close Trigger
Become a Member
Login
PERSONAL
Personal
Checking & Savings
Checking Accounts
Compare Checking Accounts
HiFlex
Simple Checking
Dividend Checking
Relationship Checking
Savings & Term Accounts
Compare Savings Accounts
Share Accounts
Relationship MAX℠
Retirement Accounts
Term Share
Cards
Compare Credit Cards
Always Cash Visa Signature Rewards
Visa Platinum Rewards
Share Secured Visa Platinum Rewards
All-in-One Visa Debit
Home Loans
Mortgage
Mortgage Refinance
PV Loans
Roof & Renovation Loans
Home Equity Line of Credit (HELOC)
Personal Loans
Compare Personal Loans
Personal Loan
Personal Line of Credit
Share Secured Loans
Student Loans
Vehicle Loans
Auto Loans
Motorcycle Loans
BUSINESS
Business
Business Accounts
Business Loans
INVESTMENT
LEARN
Learning Center
About Us
Who We Are
Why Hawaii State FCU?
Member Benefits
Careers
Board of Directors
Annual Reports
What’s New
Events
Offers & Promotions
Press Releases
CreditLines Newsletter
Our Headquarters
Community Impact
Our Impact Areas
How We Give Back
Teacher Grants
Scholarships
Voices of Change
Here in Hawaii
Resources
Financial Health
Wallet Wisdom Blog
Financial Wellness
Online Courses
Bites on a Budget
Tools
Calculators
Debt Protection
Fraud & Security Center
Fraud Alerts
Protecting Your Accounts
HELP
Help Center
Start Your Journey
New Members Start Here!
Open an Account
Become a Member
Select Business Partners
Contact Us
Contact Us
Locations and Hours
Online Access
Digital Banking
Digital Wallet
FAQ
Back
Locations & Hours
Schedule Appointment
Rates
Contact Us
Search
wallet wisdom blog
Financial Education
Financial Education
Loans
HELOC vs. Home Equity Loan – What’s the Best Option?
July 9, 2025
Want to explore other topics?
Visit the Wallet Wisdom blog to learn more more.
Go to blog
Why Hawaii State FCU?
Member Benefits
Careers
Board of Directors
Annual Reports
Back
