Tax Return Reminder: Use Account Numbers for Tax Returns
With tax season upon us, Hawaii State FCU would like to remind members to double-check all account information carefully when preparing to file your Federal and/or State tax returns. The IRS and State use account numbers, and not names or member numbers, to issue refunds and verify payment. Providing incorrect information may result in your […]
What Are Mortgage Points, and Should You Buy Them?
If you’ve ever considered purchasing a home, there are some terms that you might hear during the loan process that sound unfamiliar, such as “mortgage points” or “discount points.” Points are optional fees that you can pay upfront to lower your interest rate – a strategy called “buying down the rate.” What exactly is a […]
How to Avoid Scams During the Holidays
The holiday season often marks an increase in fraud attempts and scams. Fraudsters often try to take advantage of the increase in consumers’ online presence during the holidays, inventing new ways to trick you into handing over valuable personal information. Fortunately, there are simple things that you can do to avoid becoming a victim of […]
ITMs Add Another Convenient Option to Manage Your Finances
Safe and secure. Quick and convenient. Plus, instant access with a wave of your palm! What is an ITM? Our first-in-the-state Interactive Teller Machines (ITMs) offer our members industry-leading technology to make managing finances easier than ever before. ITMs combine the services of a teller with the convenience of an ATM. These intuitive machines allow […]
Convenience at Your Fingertips – Using ATMs & ITMs
Did you know that our Hawaii State FCU ATMs and Interactive Teller Machines (ITMs) can conduct all of the basic banking transactions normally done with the assistance of a teller? You can use these machines to make cash and check deposits, withdraw money in mixed bills ($1, $5 and $20, with other denominations offered at […]
Personal Loan vs Credit Card: How to Pay for Holiday gifts?
The holidays can be expensive when buying gifts, hosting parties and travelling. With so many additional expenses, our checking and savings accounts can really take a hit. Plan ahead and consider how a credit card or personal loan may help financially cover the costs. Before making a decision, it’s important to carefully consider the advantages […]
October is Cybersecurity Awareness Month
Almost everyone conducts some type of business online – whether it’s shopping, selling, managing finances, checking emails, and more. With so much of our time spent online, it’s no surprise that cybercriminals are working harder than ever to try to steal your personal information. October is Cybersecurity Awareness Month, and it’s a great time for […]
HELOC vs. Home Equity Loan – What’s the Best Option?
If you’re planning to do home renovations, paying for education, making a large purchase, or even consolidating debt, then you may want to consider borrowing against the equity in your home. Hawaii State FCU offers two great financing options that utilize the equity in your home: a Home Equity Line of Credit (HELOC), and a […]
Financial Preparedness for Natural Disasters
Financial preparedness is a crucial component of disaster planning to help alleviate financial losses following a catastrophic event such as a natural disaster. Build an Emergency Financial Records Kit This should be part of your family’s overall plan to ensure necessary documentation is available and accessible to help you recover as soon as possible. Things […]
World Elder Abuse Awareness – Financial Tips for Seniors
World Elder Abuse Awareness Day – June 15 Each year, June 15th is recognized as World Elder Abuse Awareness Day (WEAAD)—a global opportunity to raise awareness, spark conversations, and share resources to protect older adults from abuse, especially financial exploitation. Elder financial abuse occurs when someone manipulates, exploits, or misuses an older adult’s money or […]