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Member Benefits

Enjoy better rates, low fees, and a community that cares.

Join Hawaii State FCU and become part of a family that supports your personal financial journey.

We provide a variety of financial solutions as well as great benefits and discounts.

You’re an owner

As a not-for-profit, all of our profits go back to you in the form of better rates, lower fees and innovative services.

Great checking benefits

Get more from your checking account, including the chance to earn interest and rewards points.

Affordable auto loans

Enjoy no loan or application fees and loan terms of up to 84 months.

Competitive mortgage options

From pre-qualification to closing, we’ll be with you every step of the way.

275+ Surcharge-free ATMs in Hawaii

Wherever you go in Hawaii you’ll find a surcharge-free ATM using the Bank of Hawaii and Hawaii State FCU networks.

5,000+ Shared Branch Locations Nationwide

Wherever you go in the U.S. you’ll find easy access to your money at participating credit unions in all 50 states. Find a shared branch.

Safe deposit boxes

Safely store important documents and valuables. Available at select branch locations.

Notary service

Get your local documents notarized at no charge. Up to two signatures per day per member ($5 for each additional signature). Available on a walk-in basis only.

Official checks

Request an official check up to the available limit in your account and we won’t charge you for it. Limit one free check per day ($10 per additional check).

Signature guarantee service

Need to sell or transfer securities registered in your name? We provide Signature Guarantee Services at no charge (limited to $250K per transaction).

Coinstar machines

Free for members, up to $300 in coins per day. Coinstar machines are available at select branch locations.

Hawaii State FCU is a medium-sized financial institution that still operates as a small, friendly credit union. It has kept the same principles of service and loyalty to its members.

- Preston G., Member

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.

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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.

Ready to become a member?

Apply online

Open an account

Visit a branch

Schedule appointment
Contact Member Services

(808) 587-2700
1 (888) 586-1056
memberservices@hsfcu.com