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Emergency Financial Assistance Program

We understand the economic challenges posed by the government shutdown, and the impact it has on our federal employee members and their families.

We have launched our Emergency Financial Assistance Program to help current Hawaii State FCU members directly affected by the shutdown by offering low-rate personal loans, loan payment deferrals, and waiving early withdrawal fees for term shares.

Emergency Assistance Loan1

Access emergency funding up to $2,500 with no payments required for the first three months and no prepayment penalty for qualifying members.

Apply now

Deferral of Loan Payments2

Hawaii State FCU loan payments may be deferred for one to three months for qualifying members. Available on select consumer loans. Interest continues to accrue during the deferral period. Deferring payments will extend the loan term by up to three months and result in a final balloon payment. Mortgage loans are not eligible for this program. Deferral options for HELOCs and revolving lines of credit may vary – please contact Hawaii State FCU for details.

Penalty-Free Term Share Withdrawals3

If you have an existing term share account and need to access the funds, you may make penalty-free withdrawals without an early withdrawal penalty.

Need more information?

Please visit any branch or contact our Member Service Call Center at (808) 587-2700 or U.S. Toll-Free at (888) 586-1056.

additional resources

Navigating Financial Uncertainty

Managing Finances During a Government Shutdown

You are not without options. Here are some immediate steps you can take to stabilize your finances and access support.

Learn more

Dealing With Sudden Loss of Income

It’s understandable to feel overwhelmed and uncertain about the future. Remember, you’re not alone in this, and there are actions you can take.

Learn more

disclosures

1. The Emergency Assistance Loan features 0% interest rate and no payments for the first three months, with a subsequent interest rate of 7.000% for the remaining three years. The blended APR over the entire 39-month term of the loan is 5.988%.

Payment Examples: After the initial 3-month no-payment period, a loan of $2,500  will have 36 payments of $77.19.

These are estimates only. Terms and conditions apply. Speak to a Hawaii State FCU loan representative at any branch for more information, or call (808) 587-2700.

2. Visit a branch or contact a Hawaii State FCU representative at (808) 587-2700.

3. Available to qualifying members. Withdrawals will reduce earnings on the account. For IRA Term Share withdrawals, consult a tax professional. Minimum withdrawal is $500. If the account falls below $1,000, which is the minimum balance requirement, the account must be closed.

Program subject to change without prior notice. Certain terms and conditions apply.

Federally insured by NCUA