Credit union · NCUA insured
Hawaii State FCU
A $2.9B credit union, the 173rd largest of 4,329, headquartered in Honolulu, HI, with 138,998 members and 14 branches in Hawaii. Best rates: CDs 4.50% and savings 0.05% APY.
Hawaii State FCU Carrot Score
85
Carrot Score
Higher than 69% of U.S. banks and credit unions
#7 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hawaii State FCU
In business for 90 years, Hawaii State Federal Credit Union is a not-for-profit financial cooperative owned by its members.
- Headquarters
- 333 Queen St, Honolulu, HI 96813-4726
- NCUA charter
- 1718
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Hawaii residents who are employees or members of an enrolled Select Business Partner located in the State of Hawaii are eligible to join.
Military, government and schools
- Hawaii residents who are active or retired employees of The State of Hawaii, City and County of Honolulu, Maui County, or Hawaii State FCU are eligible to join.
Family and household
- Hawaii residents who are immediate family members (including spouses, parents, grandparents, children, siblings) or household members of current members, as well as spouses of persons who died while within the field of membership, are eligible to join.
Other ways
- Hawaii residents who make a donation to either Friends of the Library Hawaii or The Friends of Iolani Palace are eligible for membership.
Branches
14 branches in Hawaii
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Hawaii
14 branches
Urban Honolulu area · 12
- Pearlridge BranchWestridge Shopping Center, 98-150 Kaonohi St Ste C101, Aiea, HI 96701Directions
- Ewa Branch91-1107 Keaunui Dr Ste 350, Ewa Beach, HI 96706Directions
- Hawaii Kai Branch at Safeway377 Keahole St, Honolulu, HI 96825Directions
- Headquarters Branch333 Queen St, Honolulu, HI 96813Directions
- Kaimuki Branch3221 Waialae Ave Ste 16-6B, Honolulu, HI 96816Directions
- Kapahulu Branch at Safeway888 Kapahulu Ave, Honolulu, HI 96816Directions
- Keeaumoku Branch1400 Rycroft St # 101, Honolulu, HI 96814Directions
- Salt Lake Branch848 Ala Lilikoi St Ste 119, Honolulu, HI 96818Directions
- Kaneohe Branch46-047 Kamehameha Hwy Unit 7, Kaneohe, HI 96744Directions
- Kapolei Branch91-590 Farrington Highway 140, Kapolei, HI 96707Directions
- Mililani Mauka Branch95-1095 Ainamakua Dr Ste 9, Mililani, HI 96789Directions
- Waikele Branch at Safeway94-809 Lumiaina St, Waipahu, HI 96797Directions
Kahului area · 2
- Kahului Branch140 Hookele St Ste 230, Kahului, HI 96732Directions
- Kihei Branch at Safeway277 Piikea Ave, Kihei, HI 96753Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.98% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.07% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.57% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $60 | $88 | — |
- CapitalNet worth ratio9.98%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.07%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.57%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$60Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Hawaii State FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.