Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Hawaii State Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
Hawaii State Federal Credit Union's Conventional Mortgage rates are at 5.21%, Conventional Mortgage rates are at 5.25%, Conventional Mortgage rates are at 5.62%, Conventional Mortgage rates are at 6.00%, 15-Year Fixed Mortgage rates are at 6.00%. Hawaii State Federal Credit Union's Personal Loan Rates are as low as 8.00%. Hawaii State Federal Credit Union's Credit Card Rates are at 14.15%. MonitorBankRates evaluates the financial stability of Hawaii State Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.52%. Rates last updated and verified on 09/23/2026. Hawaii State Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hawaii State Federal Credit Union? Share your experience about Hawaii State Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hawaii State Federal Credit Union. Hawaii State Federal Credit Union
Headquarters Building 333 Queen St
https://www.hawaiistatefcu.com Honolulu, HI 96813-4726 
Hawaii State Federal Credit Union Mortgage Rates
Hawaii State Federal Credit Union Home Equity & HELOC
Hawaii State Federal Credit Union Auto Loan Rates
Hawaii State Federal Credit Union RV, Boat and Powersport Loan Rates
Hawaii State Federal Credit Union Credit Card Rates
Hawaii State Federal Credit Union Personal Loan Rates
Hawaii State Federal Credit Union Other Rates
Financial Health HistoryHawaii State Federal Credit Union’s Texas Ratio rose from 1.29% in Q2 2023 to 5.52% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hawaii State Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Hawaii State Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hawaii State Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hawaii State Federal Credit Union
Website
https://www.hawaiistatefcu.com
Address
333 Queen St,
Honolulu, HI 96813-4726
Phone
808-587-2700
Fax
President
Mark Yamakawa
CEO
Andrew Rosen
Full-Time Employees
383
Part-Time Employees
1
Branch Locations
14
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.52%
Return on Assets (ROA)
0.3169%
Return on Equity (ROE)
3.3572%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
2,878,089,432
Total Amount of Shares and Deposits
2,573,136,210
Total Shares and Deposits < 1 Year
2,561,181,915
Total Shares and Deposits 1 3 Years
9,130,710
Total Shares and Deposits > 3 Years
2,823,585
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
113,455,685
Total Uninsured Shares and Deposits > $250K (F+J)
113,455,685
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,459,680,525
Total Interest Expense (Sum of items 6 8)
7,792,371
Share Certificates
9,444
Number of Accounts for Share Drafts
85,892
IRA KEOGH Accounts
3,329
Number of Accounts for Regular Shares
119,165
Money Market Shares
13,806
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
294,909,806
Total Liabilities
2,614,792,959
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Hawaii State Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Hawaii State Federal Credit Union
Frequently Asked Questions About Hawaii State Federal Credit UnionHow many branches does Hawaii State Federal Credit Union operate?Hawaii State Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Hawaii State Federal Credit Union?Yes, to access services at Hawaii State Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Hawaii State Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Hawaii State Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hawaii State Federal Credit Union offer online and mobile banking?Most modern institutions like Hawaii State Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hawaiistatefcu.com. Compare to Other Credit Unions
Northern Indiana Federal Credit Union
Rogue Credit Union
Tex Mex Credit Union
SAN FRANCISCO LEE
Norstar Federal Credit Union
Jeep Country Federal Credit Union
Montcalm Public Employees Credit Union
Create Credit Union
Lower Columbia Longshoremen Federal Credit Union
Mojave Plant Employees Federal Credit Union
Members First Credit Union
SPC Credit Union
BHCU Credit Union
Community Choice Credit Union
VULCRAFT EMPLOYEES
Firstmark Credit Union
Louisiana Machinery Employees Federal Credit Union
University Federal Credit Union
Central Susquehanna Community Federal Credit Union
Mississippi DHS Federal Credit Union
Ko`olau Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking