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iAdvertiser Disclosure
Advertiser Disclosure
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 Hawaii State Federal Credit Union Rates & Review April 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: April 17, 2026
Hawaii State Federal Credit Union's 5-Month CD rates are at 3.40%, 9-Month CD rates are at 3.15%, 60-Month CD rates are at 0.65%, 48-Month CD rates are at 0.30%, 24-Month CD rates are at 0.25%. Hawaii State Federal Credit Union's Conventional Mortgage rates are at 5.25%, Conventional Mortgage rates are at 5.62%, 30-Year Adjustable Rate Mortgages (ARMs) rates are at 5.50%, 30-Year Adjustable Rate Mortgages (ARMs) rates are at 5.38%, Adjustable Rate Hybrid Mortgages (ARMs) rates are at 5.25%. Hawaii State Federal Credit Union's Personal Loan Rates are at 8.50%. 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 7.48%. Rates were last updated on 04/17/2026. 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 CD Rates
Hawaii State Federal Credit Union Checking Rates
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 Credit Card Rates
Hawaii State Federal Credit Union Personal Loan Rates
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
377
Part-Time Employees
1
Branch Locations
15
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.48%
Return on Assets (ROA)
0.7533%
Return on Equity (ROE)
8.2555%
Non-Performing Loans Ratio (NPL)
1.35%
Total Assets
2,828,543,144
Total Amount of Shares and Deposits
2,540,324,981
Total Shares and Deposits < 1 Year
2,524,528,630
Total Shares and Deposits 1 3 Years
12,314,004
Total Shares and Deposits > 3 Years
3,482,346
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
106,526,167
Total Uninsured Shares and Deposits > $250K (F+J)
106,526,167
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,433,798,814
Total Interest Expense (Sum of items 6 8)
28,218,533
Share Certificates
9,299
Number of Accounts for Share Drafts
84,454
IRA KEOGH Accounts
3,412
Number of Accounts for Regular Shares
120,216
Money Market Shares
14,108
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
272,208,680
Total Liabilities
2,581,369,198
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Hawaii State Federal Credit UnionIs Hawaii State Federal Credit Union a safe place to deposit money?Yes, Hawaii State Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.4757215614432%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How 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. Current Hawaii State Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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