Become a Member
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Getting Started

New Members Start Here!

Welcome to the family. We’re here to help you make the most of your membership.

Enjoy easy access to your money, valuable savings, and a wide range of benefits and services - from everyday banking solutions to financing for life’s big moments.

Free Direct Deposit

Schedule and pay bills conveniently and securely using Digital Banking or our Mobile App.

Visa® Debit Card

Features contactless EMV chip technology, mobile card controls and transaction alerts.

Free Digital Banking & Mobile App

Pay bills, transfer funds, view eStatements and more, easily online.

Unlimited surcharge-free ATMs

At all Hawaii State FCU and Bank of Hawaii ATMs.

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Unlimited check writing²

Never worry about paying per-check fees. Plus, get a free box of checks every year.

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Financial planning

Schedule an appointment with a Cetera¹ financial advisor to make the most of your investments and retirement accounts.

Disclosures
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1. Hawaii State Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance AgencyLLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers are affiliated with the financial institution where investment services are offered. Cetera is under separate ownership from any other named entity. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
2. Unlimited check writing does not apply to HiFlex accounts.

Hawaii State FCU Visa® Debit Card

  • Fast, easy transactions with contactless technology.
  • No fees or service charges (provided sufficient available funds).
  • EMV chip security to protect your identity.
  • Withdraw from more than 1,000 ATMs in Hawaii, and more than 100,000 worldwide.
  • Free withdrawals at Bank of Hawaii ATMs.
  • Pay where Apple Pay, Samsung Pay and Google Pay are accepted.
Learn more

Overdraft protection

Avoid overdrawing your checking account, or the embarrassment and unnecessary fees of returned checks.

Overdraft protection provides automatic coverage in the event you accidentally write a check and don’t have the funds to cover it. Funds are transferred in multiples of $100 from your Share Savings account or line of credit. Call or visit a branch to enroll in overdraft protection.

Check reorders

Out of checks? No problem. Simply use the button below to order another box of checks. You will need to provide your account number and the Hawaii State FCU Routing Number: 321379041.

Order more checks

Direct Deposit

To enroll in Hawaii State FCU’s Direct Deposit program through your employer, complete the enrollment form and return it to your payroll office. Alternatively, contact your employer’s payroll or personnel office to inquire about Direct Deposit availability and provide them with the Hawaii State FCU Routing Number: 321379041.

Direct Deposit Enrollment Form
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Download our Hawaii State FCU Mobile App today!

If you’re not already enrolled in Digital Banking or don’t have our new Hawaii State FCU Mobile App, click the appropriate button below to get started.

Enroll in Digital Banking

Please Note: Look for our new app icon to ensure you have the latest version.

Download on the App Store

Apple Users: You must update your Hawaii State FCU Mobile App to the latest version.

Get it on Google Play

Android Users: You will need to delete your existing Hawaii State FCU Mobile App and download the new Hawaii State FCU Mobile App via the Google Play Store.

Loans and Lines of Credit

Visa® Credit Cards

Our Visa® credit cards give you the chance to earn cash back or rewards on all your purchases with no annual fee.

Personal Loans & Lines of Credit

Our personal loans and lines of credit can help you pay for life’s unexpected expenses.

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Auto & Motorcycle Loans

Need a new ride? We offer auto and motorcycle loans with low, fixed Annual Percentage Rates and flexible terms with approved credit.

Mortgages & Home Equity Lines of Credit

The right home loan or HELOC make it possible to own a new home or fix up the one you already have.

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Photovoltaic (PV) Loans

Our PV loans help you get even more out of Hawaii’s abundant sunshine with competitive financing options.

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Business Loans & Lines of Credit

Talk with our business banking team help your business grow.

Additional Benefits from

Life Insurance¹

Safeguard your loved ones with reliable coverage that fits your budget. Underwritten by CMFG Life Insurance Company, these plans offer peace of mind and financial security.

Learn more

Accidental Death and Dismemberment Insurance²

Get up to $2,000 in accidental death and dismemberment insurance from TruStageTM with your membership as a no-cost added benefit to being a member. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates.

Sign up for free
Disclosures

The Credit Union alerts members to discounts, products and services offered by third parties that members may find useful, but the Credit Union is not responsible for third-party products and services.

1. TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. LIFE-1112-C9B.

2. TruStage™ AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. ADD-1112-225E.

Maximize your membership

We’re here to help you get started.

Contact us today