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.

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Q: What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?

Fixed-Rate Mortgage: The interest rate remains constant throughout the life of the loan, providing predictable monthly payments.

Adjustable-Rate Mortgage (ARM): The interest rate may change periodically based on market conditions, which can result in varying monthly payments.

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