All Hawaii State FCU branches will be closed on Good Friday, Friday, April 3. For 24/7 access to your accounts, use Digital Banking or the HSFCU Mobile App.

Our hearts are with everyone affected by the recent, devastating floods. Hawaii State FCU members who have been directly impacted by the floods or government shutdown can visit our Emergency Member Relief Program page for more information on assistance options.

Q: What are the disadvantages of a HELOC?

Variable Interest Rates: Rates can increase, making repayments more expensive over time.

Risk of Foreclosure: Your home serves as collateral; failure to repay can result in foreclosure.

Potential for Overspending: Easy access to funds may lead to excessive borrowing and debt.

Fees and Costs: May include application fees, appraisal fees, and annual fees.

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