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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.

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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
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1. For HiFlex Accounts, items and transactions that may overdraw your account will generally be declined and returned unpaid. There may be situations, however, in which items and transactions may be processed that will result in overdrafts. If your account is overdrawn, you are still responsible for the deficit, although HSFCU does not assess Overdraft or Returned Item Fees for HiFlex Accounts. Fees, however, may be charged by merchants or third parties for returned items and transactions. The merchant or third party might make multiple attempts to obtain payment through HiFlex Accounts, which may result in multiple fees from the merchant or third party. If an item or transaction is rejected, we suggest you refer to your transaction agreement and contact the merchant or third party. Overdraft services, such as the Overdraft Protection Program (Transfers) and linking a Line of Credit, are not available for HiFlex Accounts.
2. HiFlex Accounts are alternatives to traditional checking accounts. There is no check writing on HiFlex Accounts. We will reject checks on HiFlex Accounts and return them unpaid. If you provide routing and account numbers to others to make a transaction (purchase, payment or credit) on your HiFlex Account be sure that the other party will use the Automated Clearing House (ACH) system to process the transaction, and that the transaction will be processed as an electronic debit or electronic credit. Otherwise, we will reject the transaction. HiFlex Accounts are not eligible for Bill Pay.
1. Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. If these requirements are not met you will not receive Credit Features from Equifax. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.
1. Promotion effective for requests submitted 10/1/25 and subject to change at any time. The Home Equity Fixed Rate Loan Option (FROP) is a benefit feature of our Home Equity Line of Credit, is subject to availability and not available on all product types. Payment Example: Based on a 10-year fixed rate loan of $10,000 at 5.75% APR, there will be 120 monthly principal and interest payments of $109.77. Other FROP terms and rates are available.
2. Unlimited check writing does not apply to HiFlex accounts.
All rates are effective October 24, 2025. Updated at 9:55AM HST. 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 5% 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 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:
For a 15-year loan for $100,000 at 6.500% interest rate, no points, and an APR of 6.692%, the monthly principal and interest payment is $871. The total of all interest payments for 15 years is $56,799 and the total of all payments for 15 years is $156,799. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 30-year loan for $100,000 at 6.875% interest rate, no points, and an APR 6.994%, the monthly principal and 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 amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316
For a 40-year loan for $100,000 at 6.875% interest rate, no points, and an APR 6.997%, the monthly principal and interest payment is $612. The total of all interest payments for 40 years is $193,939 and the total of all payments for 40 years is $293,939. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316
If you have any questions please email: MLO@hsfcu.com
All rates are effective October 24, 2025. Updated at 9:50AM HST. These rates are market indicators, and they are subject to change throughout the day.
Annual Percentage Rate = APR
All Interest rates are based on a 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. APRs are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Other terms and conditions apply. Speak to a HSFCU representative for more information. Available to Hawaii residents only, and only for property in Hawaii. Free HSFCU membership is required. Contact us for eligibility.
For a 5/6 Hybrid ARM, there is an introductory rate for the first 5 years (60 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 60 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 25 years. The interest rate will be calculated by adding the value of the 30-Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as two percentage points; on each subsequent 6-month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully re-amortize the remaining balance for the remaining term of your loan.
Payment example:
For $100,000 loan amount with an initial interest rate of 4.00%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 6.085%, the monthly principal and interest payment is $477.42 for the first 60 months. On the 61st month, the interest rate would increase to 6.000% and the monthly principal and interest payment would increase to $582.75 for months 61 to 66. On the 67th month, the interest rate would increase to 7.000% and the monthly principal and interest payment would increase to $638.46 for months 67 to 72. On the 73rd month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $652.55 for months 73 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $123,907.48 and the total of all payments for 30 years $223,907.48. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 7/6 Hybrid ARM, there is an introductory rate for the first 7 years (84 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 72 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 23 years. The interest rate will be calculated by adding the value of the 30-Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as five percentage points; on each subsequent 6-month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully re-amortize the remaining balance for the remaining term of your loan.
Payment example:
For $100,000 loan amount with an initial interest rate of 4.250%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 5.883%, the monthly principal and interest payment is $491.94 for the first 84 months. On the 85th month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $645.29 for months 85 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $119,423.01 and the total of all payments for 30 years $219,423.01. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 10/6 Hybrid ARM, there is an introductory rate for the first 10 years (120 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 120 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 20 years. The interest rate will be calculated by adding the value of the 30-Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as five percentage points; on each subsequent 6-month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully re-amortize the remaining balance for the remaining term of your loan.
Payment example:
For $100,000 loan amount with an initial interest rate of 4.500%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 5.620%, the monthly principal and interest payment is $506.69 for the first 120 months. On the 121st month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $633.01 for months 121 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $112,724.08 and the total of all payments for 30 years 212,724.08. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
SOFR = Secured Overnight Financing Rate
NMLS# 405316
If you have any questions please email: MLO@hsfcu.com
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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.

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