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.

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Q: What is the difference between a HELOC and a home equity loan?

  • HELOC:
    • Revolving Credit: Access funds as needed up to a credit limit.
    • Variable Interest Rates: Rates can fluctuate based on market conditions.
    • Flexible Repayment: May offer interest-only payments during the draw period.
  • Home Equity Loan:
    • Lump Sum: Receive a fixed amount upfront.
    • Fixed Interest Rates: Rates remain constant throughout the loan term.
    • Fixed Payments: Regular payments of both principal and interest.

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