Yes, notary services are available to Hawaii State FCU members only. Please note that notary services are on a walk-in basis.
Our fee schedule outlines any charges associated with account maintenance, transactions, overdrafts, and other services.
Your account number can be found either:
Direct Deposit is a free, safe, and convenient way to have your paycheck automatically deposited into your Hawaii State FCU checking or savings account.
To enroll, follow these steps:
We charge $35 for outgoing domestic wire transfers. However, members who take advantage of our new Relationship Checking account will enjoy a fee of only $5. Learn more about our fee schedule.
Hawaii State FCU’s ABA routing number is 321379041, the same for all branches. Use this 9-digit code along with your account number to set up direct deposit for your checking or savings account.
Yes, you can contact us through Digital Banking by simply logging into your Digital Banking account and click on “Start a Chat” under Support Hub 
or envelope icon (
) for Secure Messages.
Chat services are secure and available:
You may update your contact information by following the steps below:
Your eStatements will be available on Digital Banking for up to 18 months beginning from your eStatement enrollment date. If you need a statement prior to that, please contact us.
You may choose among Push Notification, Email, and/or text. Multiple notification types can be selected at once.
You may also view the history of alerts sent to you under Alert History.
Use unique credentials that are not used on any other website or software. Avoid saving passwords on your computer.
Always use the latest versions of Google Chrome, Mozilla Firefox, Safari, or Microsoft Edge for the best online banking experience and security.
Install antivirus, anti-malware, and anti-spyware software. Consider using a firewall and ensure it is automatically updated by the vendor or manually updated as needed.
If you received a suspicious email or scam, please forward it to our response team.
Please do not change the email subject line or copy in any way. You should delete the email immediately after sending it to us. Do not respond or click on any of the links found within a suspicious email message.
No. Never share your login credentials, including user IDs, passwords, PIN numbers, dynamic tokens, or access codes. HSFCU employees cannot view your online account password and will never ask for it.
Be extremely cautious. If you receive such a request, report it immediately to local law enforcement, the FBI, or the Secret Service, as it may be part of a fraudulent scheme.
Only download the HSFCU Mobile App from trusted sources like the Apple App Store or Google Play Store. Avoid third-party websites.
Many mortgages allow for early repayment without penalties, but some loans include prepayment penalties. It’s important to review your loan agreement or consult with your lender to understand the terms.
Refinancing involves taking out a new mortgage to replace your current one, usually to secure a lower interest rate, reduce monthly payments, or change the loan term. It can be beneficial when interest rates drop significantly or if your financial situation has improved.
The mortgage approval process typically takes anywhere from 30 to 45 days, depending on factors like lender efficiency, the complexity of your financial situation, and the responsiveness of all parties involved.
Typically, down payments range from 3% to 20% of the home’s purchase price. Some loan programs, like FHA loans, allow for lower down payments, while putting down 20% or more can help you avoid private mortgage insurance (PMI).
Closing costs are fees associated with finalizing the mortgage and purchasing the property. They typically range from 2% to 5% of the home’s purchase price and can include appraisal fees, title insurance, and attorney fees.
Most conventional loans require a minimum credit score of around 620, but higher scores can help you secure better interest rates. FHA loans may accept lower scores, sometimes as low as 500 with a larger down payment.
A mortgage is a loan specifically used to purchase real estate, such as a home. The property itself serves as collateral for the loan, meaning the lender can take possession of the property if the borrower fails to make payments.
Mortgage insurance protects the lender in case you default on the loan. If your down payment is less than 20%, lenders often require private mortgage insurance (PMI) for conventional loans or mortgage insurance premiums (MIP) for FHA loans.
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.
Pre-approval involves a lender evaluating your financial situation, including income, credit history, and debt levels, to determine how much you’re eligible to borrow. It strengthens your position when making an offer on a home.
Many HELOCs allow for early repayment without penalties, but some may include prepayment fees. It’s essential to review your loan agreement or consult with your lender to understand the specific terms and conditions regarding early repayment.
Credit Limit: Based on the equity in your home, typically up to 85% of your home’s appraised value minus any outstanding mortgage balances.
Draw Period: Usually lasts 5 to 10 years, during which you can borrow funds as needed. You may only be required to make interest payments during this time.
Repayment Period: After the draw period ends, you enter the repayment phase, which typically lasts 10 to 20 years. During this time, you repay both principal and interest.
The credit limit is based on:
Example: If your home is valued at $300,000 and you owe $200,000 on your mortgage:
85% × $300,000 = $255,000
$255,000 − $200,000 = $55,000
Your HELOC credit limit could be up to $55,000.
Flexibility in Borrowing: Access funds as needed rather than receiving a lump sum.
Potential Tax Benefits: Interest paid on a HELOC may be tax-deductible if used for home improvements (consult a tax professional for specifics).
Lower Interest Rates: Typically lower than credit cards and unsecured loans since the loan is secured by your home.
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.
Home Equity: Sufficient equity in your property, generally at least 15-20%.
Credit Score: A good credit score, typically 620 or higher, though higher scores may secure better rates.
Income and Employment: Stable income and employment history to demonstrate repayment ability.
Debt-to-Income Ratio: Lenders assess this to ensure you can manage additional debt.
Variable Interest Rates: Most HELOCs have variable rates that can change based on market conditions, often tied to the prime rate.
Flexibility: Borrowers can use funds for various purposes, such as home renovations, education expenses, debt consolidation, or unexpected emergencies.
Interest-Only Payments: During the draw period, some HELOCs allow you to make interest-only payments, which can lower initial monthly costs.
Common uses include:
A Home Equity Line of Credit (HELOC) is a revolving credit line secured by the equity in your home. Unlike a traditional loan where you receive a lump sum, a HELOC provides you with access to funds as needed, up to a predetermined credit limit.
Yes, many lenders allow borrowers to pay off their auto loans early. Paying off your loan ahead of schedule can save you money on interest. However, some lenders may charge a prepayment penalty, which is a fee for paying off the loan early. It’s essential to:
The amount you can borrow for an auto loan depends on several factors, including:
Credit Score: Higher credit scores generally qualify for lower interest rates.
Income and Employment History: Stable and sufficient income reassures lenders of your ability to repay.
Debt-to-Income Ratio: A lower ratio indicates better financial health.
Loan Term: Shorter loan terms typically have lower interest rates but higher monthly payments.
Down Payment: A larger down payment can reduce the loan amount and may secure a better interest rate.
Vehicle Type: New cars often come with better financing terms compared to used cars.
Interest rates for auto loans vary based on several factors, including the borrower’s credit score, loan term, and whether the vehicle is new or used. As of 2025, typical interest rates might range approximately as follows (note that actual rates can vary):
Yes, most debit cards can be used internationally at merchants and ATMs that accept major card networks like Visa or MasterCard. However, consider the following:
Keep Your PIN Secure: Do not share your Personal Identification Number (PIN) with anyone and avoid writing it down where others can see.
Monitor Account Activity: Regularly check your bank statements and online banking for any unauthorized transactions.
Use Secure ATMs: Prefer using ATMs in well-lit, secure locations to reduce the risk of skimming devices.
Enable Alerts: Set up account alerts to receive notifications of transactions in real-time.
Report Lost or Stolen Cards Immediately: If your debit card is lost or stolen, contact your bank right away to prevent unauthorized use.
Debit Card:
Credit Card:
If your debit or credit card is lost or stolen, or if you suspect fraud or identity theft, call us immediately for assistance. Our support lines are available 24/7.
Need additional assistance? You can schedule an appointment online for select services.
While Term Share Accounts are designed for fixed-term investments, some providers may allow early withdrawals under certain conditions. However, this usually involves penalties or forfeiture of some returns. It’s important to understand the terms and conditions before committing.
Returns are typically based on the performance of the underlying shares or the managed portfolio. They may be paid out at the end of the term or reinvested, depending on the account structure. Some accounts offer periodic payouts, such as annually or semi-annually.
Investment Basis: Term Share Accounts invest in shares or equity instruments, whereas regular savings accounts typically earn interest based on a fixed rate.
Risk and Returns: Term Share Accounts have higher potential returns but come with higher risks due to market fluctuations. Savings accounts offer lower but more stable returns.
Term Commitment: Term Share Accounts require locking in funds for a specific period, while savings accounts usually offer greater liquidity.
When you open a Term Share Account, you agree to invest a set amount for a fixed period, such as 1, 3, or 5 years. During this term, your funds are invested in selected shares or a portfolio managed by the financial institution. At the end of the term, you receive your initial investment plus any returns earned from the share performance.
Potential for Higher Returns: Linked to the performance of shares, offering the possibility of greater gains than traditional savings accounts.
Fixed Term: Helps in disciplined saving and investment over a set period.
Diversification: Access to a diversified portfolio managed by professionals.
Predictable Contributions: Regular investment amounts can aid in financial planning.
Market Risk: Returns depend on share performance, which can fluctuate, leading to potential losses.
Liquidity Risk: Funds are locked in for the term duration, and early withdrawal may incur penalties.
Management Fees: Some accounts may have fees that can affect overall returns.
A Term Share Account is a financial product that allows account holders to invest a specific amount of money for a predetermined period (the term) in shares or equity-based instruments. It typically offers the potential for higher returns compared to regular savings accounts, based on the performance of the underlying shares.
Work on improving your credit and pay down any existing debt.
Personal loans are a good option if you have good credit, a reliable income source, and a specific financial goal.
Personal loans can be used for a variety of expenses such debt consolidation, home improvements like renovations and repairs, big life events like weddings or vacations, medical expenses, and more.
We encourage you to apply for the job(s) that you feel you are qualified for.
You may apply for a job through our Job Portal. If you need any assistance during the application process, please contact Human Resources at (808) 447-8980.
Start by researching Hawaii State FCU and understand our mission, values, and what we do. Review the job description and familiarize yourself with key responsibilities and requirements for the role. Practice common interview questions, and prepare questions to ask the interviewer. And don’t forget to dress appropriately and be punctual.
After your application is submitted, it will be reviewed by our hiring team. If you meet the qualifications, you may be contacted for a phone screening or interview.
Onboarding involves completing necessary paperwork and attending orientation sessions. You’ll also spend time getting acquainted with your new role and with your team.
Our pre-employment process includes Substance Abuse and Drug and Alcohol Drug Testing in addition to background and employment history checks.
The timeline can vary if we have several candidates interviewing for the same role because we prefer to complete the entire round of interviews before making any decisions.
Approximately 80, however the exact number will be determined by the amount of grant money requested in individual applications and the number of applications received.
Recipients will be selected based on their essay submissions. Applications will be reviewed in the order that they are received.
Teachers are required to answer four questions (500 character limit for each answer):
It is recommended to create and save your answers in a separate document prior to starting the application because you will not be able to save your work and return.
You may submit your application online from now until Friday, April 4, 2025.
Applicants must be a member of Hawaii State FCU and be currently employed in the Department of Education as a classroom teacher.
Applicants must not have received an Investing in Education grant within the last three years. Eligible application submissions are limited to one per teacher, per calendar year.
Browse our webinars, articles, or check out free online courses and access free individualized financial counseling.
Learn more about our free Credit Score Service available on Digital Banking to help take control of your financial future.
