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Hawaii State Federal Credit Union

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Hawaii State Federal Credit Union Rates & Review November 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Hawaii State Federal Credit Union's checking rates are as high as 0.03%. Hawaii State Federal Credit Union's 15-Year Fixed Mortgage rates are at 5.62%, 30-Year Fixed Mortgage rates are at 6.62%, 40-Year Adjustable Rate Mortgages (ARMs) rates are at 6.25%, 40-Year Fixed Mortgage rates are at 6.62%. 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 14.40%. Hawaii State Federal Credit Union's mortgage rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 5.45%. Rates last updated and verified on 10/28/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.45%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Hawaii State Federal Credit Union
Headquarters Building

333 Queen St
Honolulu, HI 96813-4726

https://www.hawaiistatefcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Hawaii State Federal Credit Union Savings Rates

Product	Rate	APY
Relationship MAXSM Share	-	2.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Min. Daily Balance to Earn APY: $100,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship MAXSM Share	-	2.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Min. Daily Balance to Earn APY: $250,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship MAXSM Share	-	2.00%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 or greater; Min. Daily Balance to Earn APY: $500,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship MAXSM Share	-	1.00%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Min. Daily Balance to Earn APY: $50,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Regular Share	-	0.05%
Min Deposit $20 Details Rates effective September 30, 2026; APY may change at any time without notice; fees may reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship MAXSM Share	-	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Min. Daily Balance to Earn APY: $25,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Checking Rates

Product	Rate	APY
Relationship Checking	-	0.03%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Dividend Checking	-	0.02%
Min Deposit $50 Details Minimum: $50 or $5 with Direct Deposit; Min. Daily Balance to Earn APY:; Rates effective September 30, 2026; APY may change after the account is opened Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship Checking	-	0.02%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship Checking	-	0.02%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Mortgage	5.625%	2.000%	5.939%	15 years
Details As Low As; Rates effective 10/28/2026; limited-time discount of 1.50 discount points; Hawaii residents and Hawaii properties Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 6.36% → 5.94% ▼ 0.42 pts · high 6.36% / low 5.94% Oct 28, 20265.94%▼ from 6.28% Oct 8, 20266.28%▼ from 6.36% Oct 4, 20266.36%▲ from 6.36% Sep 16, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
15-Year Fixed Mortgage	6.00%	0.875%	6.138%	15 years
Details As Low As; Rates effective 10/28/2026; limited-time discount of 1.50 discount points; Hawaii residents and Hawaii properties Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 6.36% → 6.14% ▼ 0.22 pts · high 6.36% / low 6.14% Oct 28, 20266.14%▼ from 6.28% Oct 8, 20266.28%▼ from 6.36% Oct 4, 20266.36%▲ from 6.36% Sep 16, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Fixed Mortgage	6.625%	1.625%	6.784%	30 years
Details Limited-time discount of 1.50 discount points; rates effective 10/28/2026; APRs include a temporary reduction of one origination point Last Updated 10/28/2026 Rate History 7 changes since Sep 16, 2026 · 6.95% → 6.78% ▼ 0.17 pts · high 7.21% / low 6.77% Oct 28, 20266.78%▲ from 6.77% Oct 23, 20266.77%▼ from 6.95% Oct 15, 20266.95%▼ from 7.06% Oct 12, 20267.06%▼ from 7.08% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Adjustable Rate Mortgages (ARMs)	6.25%	1.625%	6.918%	10 year
Details Limited-time discount of 1.50 discount points; Minimum down payment is 5%; Rates effective 10/28/2026 Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 7.05% → 6.92% ▼ 0.13 pts · high 7.19% / low 6.92% Oct 28, 20266.92%▼ from 7.08% Oct 12, 20267.08%▼ from 7.10% Oct 8, 20267.10%▼ from 7.19% Sep 25, 20267.19%▲ from 7.05% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Fixed Mortgage	6.875%	0.500%	6.924%	30 years
Details Limited-time discount of 1.50 discount points; rates effective 10/28/2026; APRs include a temporary reduction of one origination point Last Updated 10/28/2026 Rate History 7 changes since Sep 16, 2026 · 6.95% → 6.92% ▼ 0.02 pts · high 7.21% / low 6.85% Oct 28, 20266.92%▲ from 6.85% Oct 23, 20266.85%▼ from 6.95% Oct 15, 20266.95%▼ from 7.06% Oct 12, 20267.06%▼ from 7.08% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Adjustable Rate Mortgages (ARMs)	6.375%	1.000%	6.94%	10 year
Details Limited-time discount of 1.50 discount points; Minimum down payment is 5%; Rates effective 10/28/2026 Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 7.05% → 6.94% ▼ 0.11 pts · high 7.19% / low 6.94% Oct 28, 20266.94%▼ from 7.08% Oct 12, 20267.08%▼ from 7.10% Oct 8, 20267.10%▼ from 7.19% Sep 25, 20267.19%▲ from 7.05% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Fixed Mortgage	6.625%	1.875%	7.172%	40 years
Details Limited-time discount of 1.50 discount points; Minimum down payment is 5%; Rates effective 10/28/2026 Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 7.69% → 7.17% ▼ 0.51 pts · high 7.69% / low 7.17% Oct 28, 20267.17%▼ from 7.41% Oct 15, 20267.41%▼ from 7.52% Oct 12, 20267.52%▼ from 7.57% Oct 8, 20267.57%▼ from 7.69% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Fixed Mortgage	6.875%	0.750%	7.327%	40 years
Details Limited-time discount of 1.50 discount points; Minimum down payment is 5%; Rates effective 10/28/2026 Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 7.69% → 7.33% ▼ 0.36 pts · high 7.69% / low 7.33% Oct 28, 20267.33%▼ from 7.41% Oct 15, 20267.41%▼ from 7.52% Oct 12, 20267.52%▼ from 7.57% Oct 8, 20267.57%▼ from 7.69% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity HELOC - Current Variable Index Rate	-	-	6.75%
Details As Low As; Up to $399,900 credit line; Up to 80% LTV, fee-simple, owner-occupied property; Based on Prime Rate plus a margin; minimum credit line $20,000; rate will not exceed 18.00% APR; minimum rate 3.75% Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 23, 20266.75%▲ from 6.50% Oct 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Home Equity HELOC Up to 90% LTV - Current Variable Index Rate	-	-	7.50%
Details As Low As; Current Variable Index Rate up to $1,000,000 credit line; based on Prime Rate plus margin; will not exceed 18.00% APR; minimum index rate 5.25% for 90% LTV fee-simple owner-occupied primary residences Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Home Equity HELOC Up to 95% LTV	-	-	7.75%
Details As Low As; Current Variable Index Rate (based on Prime Rate plus margin, not to exceed 18.00% APR; minimum 5.25%); fee-simple, owner-occupied primary residence; minimum credit line $20,000; maximum lesser of $225,000 or 95% LTV minus existing mortgage balance; automatic payments from Hawaii State FCU checking required; membership required; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.65%	1-3 years
Details As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	5.75%	4 years
Details As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	5.85%	5 years
Details As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	5.95%	6 years
Details As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 5.95% → 5.95% ▼ 0.00 pts · high 5.95% / low 4.90% Oct 28, 20265.95%▲ from 4.90% Oct 23, 20264.90%▼ from 5.95% Sep 16, 20265.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.40%	1-3 years
Details As Low As; Up to 100% financing; APR includes 0.25% automatic payment discount from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.40% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.50%	4 years
Details As Low As; Up to 100% financing; APR includes 0.25% automatic payment discount from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.60%	5 years
Details As Low As; Up to 100% financing; APR includes 0.25% automatic payment discount from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.60% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.70%	6 years
Details As Low As; Up to 100% financing; APR includes 0.25% automatic payment discount from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 6.70% → 6.70% ▼ 0.00 pts · high 6.70% / low 5.65% Oct 28, 20266.70%▲ from 5.65% Oct 23, 20265.65%▼ from 6.70% Sep 16, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	6.75%	7 years
Details As Low As; Up to 100% financing; APR includes 0.25% discount for automatic payments from a Hawaii State FCU checking account; Hawaii residents only Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	7.50%	7 years
Details As Low As; Up to 100% financing; APR includes 0.25% automatic payment discount from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	7.15%	1-3 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; Hawaii residents only; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.15% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Motorcycle Loan	-	7.25%	4 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; Hawaii residents only; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Motorcycle Loan	-	7.35%	5 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; Hawaii residents only; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.35% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Motorcycle Loan	-	7.45%	6 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; Hawaii residents only; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.45% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	7.90%	1-3 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; must be a Hawaii resident; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	8.00%	4 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; must be a Hawaii resident; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	8.10%	5 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; must be a Hawaii resident; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.10% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	8.20%	6 years
Details As Low As; Up to 100% financing; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account; must be a Hawaii resident; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.20% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Rewards	-	14.40%
Details APR range: 14.40% to 18.00%; Current Variable Index Rate; Terms: Revolving Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 14.40% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Always Cash Visa Signature Rewards	-	18.00%
Details Current Variable Index Rate; Terms: Revolving Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.00%	1 year
Details As Low As; Minimum loan amount $500; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	8.25%	2 years
Details As Low As; Minimum loan amount $500; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	8.50%	3 years
Details As Low As; Minimum loan amount $500; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.00%	4 years
Details As Low As; Minimum loan amount $500; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.50%	5 years
Details As Low As; Minimum loan amount $500; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.90%	6 years
Details As Low As; Minimum loan amount $500; APR includes 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 9.90% → 9.90% ▼ 0.00 pts · high 10.50% / low 9.90% Oct 28, 20269.90%▼ from 10.50% Oct 23, 202610.50%▲ from 9.90% Sep 16, 20269.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Line of Credit	11.50%	Revolving
Details As Low As; APR varies with the prime rate published in the Wall Street Journal plus a margin based on credit score; includes 0.25 percentage point discount for automatic payments from a Hawaii State FCU checking account; must be a Hawaii resident Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 11.25% → 11.50% ▲ 0.25 pts · high 11.50% / low 11.25% Oct 23, 202611.50%▲ from 11.25% Sep 16, 202611.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Always Cash Visa Signature Rewards	18.00%
Details Current Variable Index Rate; Terms: Revolving Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Hawaii State Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
PV Loan Program	5.165%	-	7.70%	19-96 months
Details Interest Rate 0.00% for Months 0-18, then 7.70% for Months 19-96; APR over full 96-month term; requires PV system installed by participating contractor; max loan $75,000; includes 0.25% autopay discount from Hawaii State FCU checking; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 7.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
PV Loan Program	5.427%	-	8.10%	19-96 months
Details Interest Rate 0.00% for Months 0-18, then 8.10% for Months 19-96; APR over full 96-month term; requires PV system installed by participating contractor; max loan $75,000; includes 0.25% autopay discount from Hawaii State FCU checking; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History 1 change since Sep 25, 2026 · 7.70% → 8.10% ▲ 0.40 pts · high 8.10% / low 7.70% Oct 23, 20268.10%▲ from 7.70% Sep 25, 20267.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
PV Loan Program	5.817%	-	8.70%	19-96 months
Details Interest Rate 0.00% for Months 0-18, then 8.70% for Months 19-96; APR over full 96-month term; requires PV system installed by participating contractor; max loan $75,000; includes 0.25% autopay discount from Hawaii State FCU checking; rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 8.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Roof & Renovation Loan	5.691%	-	7.70%	13-84 months
Details Introductory 0.00% interest for months 0-12; Interest Rate months 13-84 is 7.70%; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Roof & Renovation Loan	5.981%	-	8.10%	13-84 months
Details Introductory 0.00% interest for months 0-12; Interest Rate months 13-84 is 8.10%; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.10% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Roof & Renovation Loan	6.414%	-	8.70%	13-84 months
Details Introductory 0.00% interest for months 0-12; Interest Rate months 13-84 is 8.70%; Rates effective 10/01/2026 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Individual Retirement Account	-	-	0.20%
Min Deposit $100 Details Rates effective September 30, 2026; APY may change at any time without notice; fees may reduce earnings Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hawaii State Federal Credit Union’s Texas Ratio rose from 1.26% in Q3 2023 to 5.45% in Q2 2026, so its financial health has held steady at a healthy level 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.9B	5.45%	5.0	A+
March 31, 2026	$2.9B	5.52%	5.0	A+
December 31, 2025	$2.9B	6.62%	5.0	A
September 30, 2025	$2.8B	7.18%	5.0	A
June 30, 2025	$2.9B	7.64%	5.0	A
March 31, 2025	$2.8B	8.01%	5.0	A
December 31, 2024	$2.7B	8.30%	5.0	A
September 30, 2024	$2.4B	8.64%	5.0	A
June 30, 2024	$2.4B	8.20%	5.0	A
March 31, 2024	$2.4B	2.54%	5.0	A+
December 31, 2023	$2.4B	7.96%	5.0	A
September 30, 2023	$2.4B	1.26%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 John Katahira

CEO Andrew Rosen

Full-Time Employees 389

Part-Time Employees 1

Branch Locations 14

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.45%

Return on Assets (ROA)

0.7864%

Return on Equity (ROE)

7.8827%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

2,856,617,535

Total Amount of Shares and Deposits

2,542,331,851

Total Shares and Deposits < 1 Year

2,525,471,083

Total Shares and Deposits 1 3 Years

13,843,552

Total Shares and Deposits > 3 Years

3,017,216

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

87,766,604

Total Uninsured Shares and Deposits > $250K (F+J)

87,766,604

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,454,565,247

Total Interest Expense (Sum of items 6 8)

15,958,317

Share Certificates

8,503

Number of Accounts for Share Drafts

86,798

IRA KEOGH Accounts

3,271

Number of Accounts for Regular Shares

118,063

Money Market Shares

17,530

Net Income (unless the amount is already included in Undivided Earnings)

22,464,738

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)

247,547,422

Total Liabilities

2,585,765,850

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Hawaii State Federal Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Hawaii State Federal Credit Union

What is the highest checking rate at Hawaii State Federal Credit Union?

The highest Hawaii State Federal Credit Union checking rate is its Relationship Checking at 0.03% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Hawaii State Federal Credit Union?

The lowest Hawaii State Federal Credit Union 30 year fixed mortgage rate is its 30-Year Fixed Mortgage at 6.625%, verified by MonitorBankRates as of October 28, 2026. Hawaii State Federal Credit Union mortgage rates are 6.25% for a 40 year mortgage, 6.625% for a 30 year mortgage and 5.625% for a 15 year mortgage.

What is the lowest auto loan rate at Hawaii State Federal Credit Union?

The lowest Hawaii State Federal Credit Union auto loan rate is its New Auto Loan at 5.65% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Hawaii State Federal Credit Union?

The lowest Hawaii State Federal Credit Union personal loan rate is its Personal Loan at 8.00% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Hawaii State Federal Credit Union?

The lowest Hawaii State Federal Credit Union credit card APR is its Visa Platinum Rewards Credit Card at 14.40% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Hawaii State Federal Credit Union rates compare?

Hawaii State Federal Credit Union's mortgage rates are 9% lower than the MonitorBankRates national average, and it has an A+ health rating. Hawaii State Federal Credit Union's top rates are its Relationship Checking at 0.03% APY, its 15-Year Fixed Mortgage at 5.625%, its Personal Loan at 8.00% APR and its Visa Platinum Rewards Credit Card at 14.40% APR, verified by MonitorBankRates on October 28, 2026.

Compare to Other Credit Unions

Hawaii State Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hawaii State Federal Credit Union Texas Ratio

Hawaii State Federal Credit Union Health Trend

Hawaii State Federal Credit Union Savings 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 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hawaii State Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hawaii State Federal Credit Union

What is the highest checking rate at Hawaii State Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Hawaii State Federal Credit Union?

What is the lowest auto loan rate at Hawaii State Federal Credit Union?

What is the lowest personal loan rate at Hawaii State Federal Credit Union?

What is the lowest credit card APR at Hawaii State Federal Credit Union?

How many branches does Hawaii State Federal Credit Union operate?

Is a member application needed to join Hawaii State Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hawaii State Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Hawaii State Federal Credit Union rates compare?

Compare to Other Credit Unions