Hawaii State Federal Credit Union Rates and Review February 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 →
Hawaii State Federal Credit Union's CD 5-Month rates are at 3.40%, CD 9-Month rates are at 3.15%, CD 60-Month rates are at 0.65%, CD 48-Month rates are at 0.30%, CD 24-Month rates are at 0.25%. Hawaii State Federal Credit Union's savings rates are at 0.05%. Hawaii State Federal Credit Union's 15-Year Fixed Mortgage rates are at 4.88%, Conventional Mortgage rates are at 4.75%, 15-Year Fixed Mortgage rates are at 5.38%, Conventional Mortgage rates are at 5.25%, 30-Year Fixed Mortgage rates are at 5.50%. Hawaii State Federal Credit Union's Personal Loan Rates are at 8.50%.
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 by leaving a review below, or read customer reviews before you decide to use . Hawaii State Federal Credit Union Texas RatioHawaii State Federal Credit Union's Texas Ratio is at 7.48%, which is considered excellent. The Texas Ratio for Hawaii State Federal Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Hawaii State Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Hawaii State Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Hawaii State Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Hawaii State Federal Credit Union
Headquarters Building 333 Queen St
Honolulu, HI 96813 4726 
Hawaii State Federal Credit Union CD Rates
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 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 & OverviewCredit Union Name: Hawaii State Federal Credit Union
Website: https://www.hawaiistatefcu.com
Full Time Employees: 377Part Time Employees: 1 President: Mark Yamakawa CEO: Andrew Rosen Branch Locations: 15 ATM Locations: 15 Corporate Office Address:
333 Queen St
Honolulu, HI 96813 4726 Phone Number: 808-587-2700 Fax Number: FinancialsTotal 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
Show More
Source: NCUA Last Updated 09/30/2025
Customer ReviewsVozV
December 17, 2025
XAve
Add Your Rating and Review for Hawaii State Federal Credit Union
Frequently Asked Questions About Hawaii State Federal Credit UnionIs 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. Is there a first-time homebuyer program?Currently, Hawaii State Federal Credit Union provides a range of mortgage and home equity products. Is Hawaii State Federal Credit Union a safe place to deposit money?Yes, Hawaii State Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Hawaii State Federal Credit Union offer online and mobile banking?Most modern institutions like Hawaii State Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Featured On
