Credit unions were originally formed to serve the financial needs of communities unserved and underserved by traditional banks. Although the present-day financial landscape is vastly different from those early days, there are still a lot of benefits of credit union membership.
Here are five reasons why joining a credit union like Hawaii State FCU may benefit you:
Member-owned and operated
Hawaii State FCU serves the financial needs of our members, and is owned and run by members, just like you. As an owner, you get a vote on how things are run, regardless of how much money is in your accounts.
Relationships are important to us – when you join the credit union, you’re a part of the family, not just a number.
A not-for-profit cooperative
That means that we are always looking at ways to save our members money or to give back, rather than worrying about lining the pockets of shareholders. This results in better rates, lower fees and more benefits for our members. What’s more, your money stays local and goes to work right here in your community.
Full-service for your needs
Just like the banks, Hawaii State FCU offers a full line of products and services to meet your financial needs, including savings and checking accounts, credit cards, mortgages, auto loans, personal loans, investment services, business banking, and more. Members also enjoy access to the nationwide shared branching network so you can easily access your money at over 30,000 ATMs and 5,000 branches across the country.
Financial education is a priority
Understanding your finances can help you make smarter financial decisions in the future. We work with local schools and organizations to provide free seminars, workshops, and resources to strengthen financial literacy throughout the community. We also offer free webinars to our members on a wide range of topics including homebuying, budgeting, understanding credit, and more.
Industry-leading technology
From our Digital Banking platform, to our first-in-Hawaii Interactive Teller Machines (ITMs) with palm vein biometric authentication, we are an industry leader when it comes to technology and innovation.
Learn more about becoming a Hawaii State FCU member!
