Updated Saturday, 3/14/26: Our Kahului and Kihei Safeway Branches will remain closed today due to the severe weather. Access and manage your accounts 24/7 through Digital Banking or our HSFCU Mobile App. Please stay safe.

Our Kapahulu Safeway & Hawaii Kai Safeway Branches will close early at 4 p.m. on Tuesday, March 17 for an island-wide meeting. Please call our Member Service Call Center for assistance, or access your accounts 24/7 with the HSFCU Mobile App.

Become a Member

credit cards

ID Navigator Powered by NortonLifeLock

Your partner against identity theft.

U.S.-based Member Services & Support

  • Monday to Friday 6 a.m. – 6 p.m. PST
  • Saturday 7 a.m. – 1 p.m. PST.

Existing NortonLifeLock ID theft protection members – visit norton.com/visaforexisting for additional information.

To confirm eligibility, visit the Card Benefit Eligibility Portal and enter your credit card number. Once verified, you will be redirected to the offer page on Norton.com where ID Navigator enrollment is available.

Confirm Eligibility

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind.

Included with Hawaii State FCU Visa® Credit Cards, ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly.

Dark Web Monitoring – continuously patrols the dark web and private forums looking for personal information that may belong to you. Should it be found, notifications are sent with suggested steps.

Data Breach Notifications – sends notifications on large-scale breaches so you can act quickly should a breach affect your personal information.

Stolen Wallet Assist – A stolen wallet can mean a lost identity. If your wallet is stolen you will receive guidance to help you cancel or replace key documents like your credit cards, driver’s licenses, Social Security cards, insurance cards and more.

One-Bureau Credit Monitoring Alerts1 – helps you stay on top of your credit to help detect fraud more quickly. Alerts are sent when key changes are made to your credit file with a major credit bureau.

Credit, Bank & Utility Account Freezes – provides instructions and links so you can quickly freeze credit, bank and utility files with each consumer reporting company to help protect you against criminals opening unauthorized accounts in your name.

Restoration Assist – U.S.-based Identity Restoration Specialists are available Monday to Friday 6 a.m. – 5 p.m. PST with guidance and with next steps to assist you should you become a victim of identity theft or other suspicious activity. Note: Visa Cardholders will have access to special discounts if they are interested in purchasing a more robust identity theft offering that includes additional Restoration features such as the LifeLock Million Dollar Protection™ Package.

Disclosures
Loading...
1. Annual percentage yields (APYs) current as of 4/1/2026 and are subject to change at any time without notice. The minimum balance to open the account is $100. A $5 monthly service charge applies if the account’s average daily balance falls below $500 for the month. You will have 60 days from account opening to obtain the minimum average daily balance before the monthly service fee is assessed. This 60-day waiver applies only to new Always Saving accounts, not converted accounts.Fees may reduce earnings. Available to Hawaii residents only. Credit Union membership is required. Federally insured by NCUA
All rates are effective 03/14/2026. Updated at 8:00 AM HST. Advertised interest rates reflect standard pricing. These rates are market indicators, and they are subject to change throughout the day.
Annual Percentage Rate = APR
All Interest rates are based on 45-day lock for owner-occupant 1st mortgage single-family detached property purchase loans with a 20% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types, property types, and credit score tiers. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. APR’s are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Available to Hawaii residents only, and only for property in Hawaii.
Payment example:
Conventional 15 Year payment example:  For a  loan of $100,000 at 5.750% interest rate, no points, and an APR of 5.990%, the monthly principal and interest payment is $830. The total of all interest payments for 15 years is $49,473.82 and the total of all payments for 15 years $149,473.82. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
If you have any questions please email: MLO@hsfcu.com
All rates are effective 03/14/2026. Updated at 8:00 AM HST. Advertised interest rates reflect standard pricing. APRs shown include a temporary reduction of one origination point (1.00% of the loan amount). This is a limited-time offer and is subject to change without notice. Standard origination charges are higher. These rates are market indicators, and they are subject to change throughout the day.
Annual Percentage Rate = APR
All Interest rates are based on 45-day lock for owner-occupant 1st mortgage single-family detached property purchase loans with a 20% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types, property types, and credit score tiers. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. APR’s are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Available to Hawaii residents only, and only for property in Hawaii.
Payment example:
Conventional 30 Year payment example:  For a  loan of $100,000 at 6.000% interest rate, no points, and an APR 6.140%, the monthly principal and interest payment is $600. The total of all interest payments for 30 years is $115,838.00 and the total of all payments for 30 years is $215,838.00. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
If you have any questions please email: MLO@hsfcu.com
1 2 … 7

FAQs

Can NortonLifeLock™ remove cardholders’ personal data from the dark web?

Unfortunately, no. The content on the dark web is not centralized and is owned by many different (usually anonymous) owners. Only the owner of the content can remove or modify the content.

How can cardholders be sure the personal data they enter for Dark Web Monitoring is not used or sold by NortonLifeLock™ employees?

Any personal data is encrypted. Only a few selected employees who undergo training on how to handle personal data can access it. These employees must provide their own unique credentials every time they access personal data and are subject to monitoring by our Information Security and Compliance team. See the NortonLifeLockTM Global Privacy Statement for additional details.

How do cardholders enroll? What information will they need to provide?

Visa Cardholders should visit www.cardbenefitidprotect.com and complete the eligibility verification. Once verified, cardholders will be redirected to the offer page on Norton.com where ID Navigator enrollment is available. Enrollment in ID Navigator will require first name, last name, SSN, date of birth, address, phone number, and email address.

How does NortonLifeLock™ help cardholders who receive a Dark Web Monitoring notification?

Within the notifications, advice is provided on next steps they can take to help protect their personal data. When available, it will include links to additional resources. If cardholders have additional questions they can go to support.norton.com.

How does NortonLifeLock™ help if a cardholder’s personal data is leaked in a data breach?

Notifications are sent that provide best practices and suggested next steps they can take to help protect their personal data. Plus, they can visit support.norton.com.

How is the personal data cardholders enter for Dark Web Monitoring stored and managed? How do cardholders know their personal data shared with NortonLifeLock™ is secure?

Personal data is stored and managed by an advanced secure cloud database, which is encrypted and protected with multiple layers of security measures.

If a cardholder receives an alert, what should they do next?

Each alert will include information about next steps. Specifics vary by type of alert.

What are some common triggers for dark web, credit, and data breach notifications?

A cardholder’s personal information detected on the dark web, a hard credit check, or an update to a cardholder’s credit file are a few examples. Data breach notifications are sent regarding large data breaches that may impact consumers.

Not yet a Hawaii State FCU cardholder?

Explore credit cards
Secret Link