All Hawaii State FCU branches will be closed on Dr. Martin Luther King, Jr. Day, Monday, January 19. For 24/7 access to your accounts, use Digital Banking or our Mobile App.
Receive one point (1.00) off your mortgage loan origination points with Hawaii State FCU for your home purchase.1
1. The mortgage discount offer is applicable to 30-year fixed rate home purchase transactions financed with Hawaii State FCU. Exclusions apply. This offer does not apply to mortgage refinance transactions and brokered out loans. Offer requires a completed and submitted loan application to lock discount, while supplies last. This is a limited time offer and subject to change without notice. This offer cannot be combined with any other discounts or special offers and is limited to one promotion per loan.
Offer good for owner-occupied, 1-4 unit single-family dwellings and condos located in Hawaii. Maximum loan amount of $1,209,750.00 applicable in 2026. Other loan qualification guidelines apply. Contact a Mortgage Loan Officer for more information.
All rates are effective December 11, 2025, and subject to change without notice. Annual Percentage Rate = APR. For a 30-year loan for $100,000 at a 6.875% interest rate, no points, and an APR of 6.994%, the monthly principal interest payment is $657. The total of all interest payments for 30 years is $136,493, and the total of all payments for 30 years is $236,493. Payments do not include taxes and insurance premiums, so actual payment obligations will be higher and may vary based on loan amount and borrower qualifications. NMLS# 405316.
When you refer someone to Hawaii State FCU and they become a new member, we’ll enter you into a drawing to win $1,500.¹ The more referrals you make, the more entries you earn!
1. Must be 18 years or older and a resident of the State of Hawaii to be eligible to win. No purchase or payment necessary. See official rules for more information. Prizes are awarded in a random drawing from all eligible entries.
