--- title: "Hawaii State Credit Union Rates - Hawaii" description: "Current mortgage, and savings & cd rates from Hawaii State Credit Union in Hawaii. Updated daily with source verification. See who can join Hawaii State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/hawaii-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Hawaii State Credit Union Rates - Hawaii ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Adjustable Rate Mortgages (ARMs) (7 year)** 7 1 arm | — APR | 6.535% | — | Standard | | **30-Year Adjustable Rate Mortgages (ARMs) (5 year)** 5 1 arm | — APR | 6.536% | — | Standard | | **30-Year Adjustable Rate Mortgages (ARMs) (10 year)** 10 1 arm | — APR | 6.545% | — | Standard | | **40-Year Adjustable Rate Mortgages (ARMs) (10 year)** 10 1 arm | — APR | 6.951% | — | Standard | | **Conventional Mortgage (15 years)** other | — APR | 5.212% | — | Standard | | **Conventional Mortgage (30 years)** other | — APR | 5.905% | — | Standard | Hawaii State Credit Union mortgage rates as of November 12, 2026 ### Savings & CD rates 18 offers | Product | Published | Rate | Term / condition | Status | | **Regular Share** savings | — APY | 0.05% | — | Standard | | **Investment Share ($0-$2,499.99)** savings | — APY | 0.05% | — | Standard | | **Relationship MAX℠ Share ($0 - $24,999.99)** savings | — APY | 0.05% | — | Standard | | **Right By You Savings ($250,000.01 and above)** savings | — APY | 0.05% | — | Standard | | **Relationship MAX℠ Share ($25,000 - $49,999.99)** savings | — APY | 0.05% | — | Standard | | **Investment Share ($2,500- $24,999.99)** savings | — APY | 0.07% | — | Standard | | **Investment Share ($100,000 and above)** savings | — APY | 0.18% | — | Standard | | **Individual Retirement Account** ira | — APY | 0.20% | — | Standard | | **Relationship MAX℠ Share ($50,000 - $99,999.99)** savings | — APY | 1.00% | — | Standard | | **Right By You Savings ($0-$250,000.00)** savings | — APY | 2.75% | — | Standard | | **Always Saving ($5,000.01 and Over)** savings | — APY | 3.00% | — | Standard | | **15 Years** savings | — APY | 5.21% | — | Standard | | **30 Years** savings | — APY | 5.91% | — | Standard | | **Investment Share ($25,000- $49,999.99)** other | — APY | 0.18% | — | Standard | | **Investment Share ($50,000- $99,999.99)** other | — APY | 0.18% | — | Standard | | **Relationship MAX℠ Share ($500,000 or greater)** other | — APY | 2.00% | — | Standard | | **Relationship MAX℠ Share ($250,000 - $499,999.99)** other | — APY | 2.00% | — | Standard | | **Relationship MAX℠ Share ($100,000 - $249,999.99)** other | — APY | 2.00% | — | Standard | Hawaii State Credit Union savings & cd rates as of November 12, 2026 ### Other rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Always Saving ($0-$5,000.00)** other | — % | 5.000% | — | Standard | | **2-year Intro Rate** other | — % | 5.250% | — | Introductory offer | | **3-year Intro Rate** other | — % | 5.500% | — | Introductory offer | | **5-year Intro Rate** other | — % | 5.750% | — | Introductory offer | | **4-year Intro Rate** other | — % | 5.750% | — | Introductory offer | | **Current Variable Index Rate** other | — % | 6.750% | — | Standard | | **Up to 90% LTV, fee-simple, owner-occupied, primary residence¹ (Current Variable Index Rate)** other | — % | 7.500% | — | Standard | | **Up to 95% LTV, fee-simple, owner-occupied, primary residence¹ (Current Variable Index Rate)** other | — % | 7.750% | — | Standard | Hawaii State Credit Union other rates as of November 12, 2026 Hawaii State Credit Union is a credit union in Hawaii. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/hawaii-state) , verified from [Hawaii State Credit Union's official website](https://hawaiistatefcu.com/) Loading branch locator… ## About Hawaii State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 139K Assets $2.9B Founded 1936 Locations reported 15 NCUA charter 1718 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Aloha Pacific** Pauoa Branch · Honolulu · HI · 96813-1511 About 0.2 miles away](https://rateapi.dev/credit-unions/hawaii/aloha-pacific) [**Hawaii Schools** Hawaii Schools FCU - Main · Honolulu · HI · 96813-2446 About 0.8 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-schools) [**Hawaii Central** Harkness Branch · Honolulu · HI · 96813-2402 About 0.9 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-central) [**Hawaii Law Enforcement** Main Police Station Branch · Honolulu · HI · 96813 About 0.9 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-law-enforcement) [**Hawaiian Financial** Board of Water Supply · Honolulu · HI · 96813 About 0.9 miles away](https://rateapi.dev/credit-unions/hawaii/hawaiian-financial) [**Hawaiian Electric Employees** HAWAIIAN ELECTRIC EMPLOYEES FCU · HONOLULU · HI · 96813 About 1.2 miles away](https://rateapi.dev/credit-unions/hawaii/hawaiian-electric-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Hawaii State Credit Union Membership eligibility from Hawaii State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Hawaii State Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer The State of Hawaii, City and County of Honolulu, Maui County - Association Hawaii State FCU Select Business Partner, Friends of the Library Hawaii, The Friends of Iolani Palace Verified from [Hawaii State Credit Union's membership page](https://hawaiistatefcu.com/join/) . Final membership determination is always made by the credit union. ## Membership rules for Hawaii State Credit Union Employers 4 · Associations 3 · Family 8 published paths to membership, last verified August 21, 2026, quoted from Hawaii State Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of The State of Hawaii “Are an active or retired employee of one of these organizations The State of Hawaii” > [source ↗](https://hawaiistatefcu.com/join/) - Employee of The State of Hawaii - Employee of City and County of Honolulu “Are an active or retired employee of one of these organizations The State of Hawaii City and County of Honolulu” > [source ↗](https://hawaiistatefcu.com/join/) - Employee of City and County of Honolulu - Employee of Maui County “Are an active or retired employee of one of these organizations The State of Hawaii City and County of Honolulu Maui County” > [source ↗](https://hawaiistatefcu.com/join/) - Employee of Maui County - Employee of Hawaii State FCU “Are an active or retired employee of one of these organizations The State of Hawaii City and County of Honolulu Maui County Hawaii State FCU” > [source ↗](https://hawaiistatefcu.com/join/) - Employee of Hawaii State FCU ### Associations 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Friends of the Library Hawaii “Donate to either Friends of the Library Hawaii or The Friends of Iolani Palace to earn access to all the benefits of becoming an HSFCU member.” > [source ↗](https://hawaiistatefcu.com/join/) - Member of Friends of the Library Hawaii - Member of The Friends of Iolani Palace “Donate to either Friends of the Library Hawaii or The Friends of Iolani Palace to earn access to all the benefits of becoming an HSFCU member.” > [source ↗](https://hawaiistatefcu.com/join/) - Member of The Friends of Iolani Palace - Member of Hawaii State FCU Select Business Partner - Works in state:HI “Any employee or member of a Hawaii State FCU Select Business Partner which includes companies, associational and non-profit groups located in the State of Hawaii and enrolled with Hawaii State FCU.” > [source ↗](https://hawaiistatefcu.com/join/) - Member of Hawaii State FCU Select Business Partner and Works in HI ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, parent, grandparent, child, sibling, household member “Immediate family members of current members including spouses, parents, grandparents, children, siblings and household members, and spouses of persons who died while within the field of membership.” > [source ↗](https://hawaiistatefcu.com/join/) - Family member (spouse, parent, grandparent, child, sibling, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Hawaii State Credit Union? Yes No ## Work at Hawaii State Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Hawaii State Credit Union ranks against Hawaii peers. - See which AI assistants fetched Hawaii State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Hawaii - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=hawaii-state&state=hawaii&code=HI&name=Hawaii%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Hawaii State Credit Union offer? Hawaii State Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Hawaii State Credit Union rates updated? RateAPI verifies Hawaii State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Hawaii State Credit Union's rate data? Rate data is collected directly from Hawaii State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Hawaii State Credit Union? Hawaii State Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 4 employers and 3 associations for Hawaii State Credit Union, each quoted from Hawaii State Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Hawaii State Credit Union's rates against national credit-union benchmarks. [More Hawaii credit unions](https://rateapi.dev/credit-unions/hawaii) [Hawaii mortgage rate leaders](https://rateapi.dev/mortgage-rates/hawaii) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://hawaiistatefcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Hawaii State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Hawaii credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Hawaii State Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /hawaii-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Hawaii State Credit Union locations Search, filter, and browse all 15 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/hawaii/hawaii-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp