Business Details
50+ Years
experience
Emergency
services
Your Trusted Partner for Financial Solutions in Honolulu
Hawaii State FCU has been a trusted financial partner for Hawaii residents since 1936, founded on the principle of people helping people. As a not-for-profit financial cooperative, we prioritize member needs by offering competitive rates, low fees, and innovative services tailored to personal and business financial goals. Our expertise spans checking and savings accounts, mortgage and personal loans, credit cards, and investment services, supported by 24/7 digital banking access. With 15 branches across Oahu and Maui, we combine local community knowledge with nationwide shared branching capabilities.Our team of certified financial advisors provides personalized guidance for wealth building, retirement planning, and estate management. We maintain federal insurance through NCUA and partner with Cetera Investment Services to deliver comprehensive financial solutions. Our commitment to transparency includes waiving closing costs for certain loans and offering emergency financial assistance programs during crises.
Services
Checking Accounts
Savings Accounts
Mortgage Loans
Credit Cards
Investment Services
Personal Loans
Business Banking
Digital Banking
Financial Counseling
Wealth Management
Details
- Year established: 1936
Highlights and features
- We operate as a not-for-profit cooperative, returning profits directly to members through better rates and lower fees
- Our 24/7 digital banking platform provides convenient access to accounts anytime, anywhere
- We offer competitive HELOC rates with waived closing costs for qualified applicants
- Our team includes CFP-certified financial advisors and investment professionals
- We maintain 15 convenient branches across Oahu and Maui with shared branching nationwide
Associations and certifications
- NCUA
- Cetera Investment Services (FINRA/SIPC)
Services
Checking Accounts
We offer multiple checking account options including HiFlex Simple Checking, Dividend Checking, and Relationship Checking. These accounts provide features like no monthly service fees, dividend earnings, and integrated financial management tools. Our checking services help members manage daily expenses while maintaining easy access to funds through ATMs, debit cards, and digital banking.
Mortgage Loans
Our mortgage lending services include conventional mortgages, refinancing options, and HELOC programs with competitive rates. We specialize in owner-occupant single-family properties with 15-30 year terms. Our mortgage team provides personalized guidance through the loan process, including pre-approvals, application assistance, and closing support for Hawaii residents.
Investment Services
Through our partnership with Cetera Investment Services, we offer comprehensive investment solutions including retirement accounts, estate planning, and financial advisory services. Our certified advisors provide personalized portfolio management, tax-efficient strategies, and educational resources to help members achieve long-term financial goals.
Digital Banking
Our 24/7 digital banking platform enables account management, bill payment, mobile check deposit, and real-time transaction monitoring. The mobile app includes security features like card controls and instant alerts. This service provides convenient access to accounts while maintaining advanced fraud protection measures.
Business Banking
We support Hawaii businesses with specialized checking accounts, savings solutions, and loan programs. Services include free business debit cards, digital banking with bill pay, and personalized financial guidance. Our business team offers tailored solutions for startups, established companies, and nonprofit organizations across the islands.
People
Andrew Rosen
President & CEO
Andrew Rosen leads Hawaii State FCU with over 25 years of credit union experience, focusing on member-centric service and community development. He actively engages with members through the 'Ask Andrew' program.
Michael Horton
Senior Financial Advisor
Michael Horton provides investment advisory services with Cetera Investment Services, holding the CRPS designation. He specializes in retirement planning and wealth management strategies for Hawaii residents.
Sean Umetsu
Senior Financial Advisor
Sean Umetsu, a CFP professional, offers comprehensive financial planning services. With over 15 years in the industry, he helps members achieve financial security through personalized investment strategies.
Regan Yamada
Senior Financial Advisor
Regan Yamada provides financial advisory services with expertise in retirement income planning and estate preservation strategies for Hawaii families and business owners.
David Kimura
Investment Program Manager
David Kimura oversees investment programs and services, ensuring members receive appropriate financial solutions through our partnership with Cetera Investment Services.
Questions
What makes Hawaii State FCU different from banks?
As a not-for-profit credit union, we return profits to members through better rates, lower fees, and improved services rather than distributing profits to shareholders.
How can I access my accounts outside business hours?
Our digital banking platform and mobile app provide 24/7 access to account management, bill payment, and transaction monitoring services.
Do you offer mortgage loans for first-time homebuyers?
Yes, we provide mortgage loans with competitive rates and educational resources specifically designed for first-time homebuyers in Hawaii.
What investment options are available?
Through Cetera Investment Services, we offer retirement accounts, wealth management, and advisory services tailored to individual financial goals and risk tolerance levels.
Are there fees for using out-of-network ATMs?
We reimburse surcharge fees for using Bank of Hawaii ATMs and provide access to 5,000+ shared branches nationwide through the Co-Op Network.
How do I report a lost or stolen debit card?
Call our 24/7 card service at 1 (833) 933-1681 immediately to report lost or stolen cards and request a replacement.
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