What are the current interest rates at Hawaii State Federal Credit Union?

Current rates for Hawaii State Federal Credit Union include: 12-Month CD: 0.20%, 24-Month CD: 0.25%, 60-Month CD: 0.65%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Hawaii State Federal Credit Union

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Hawaii State Federal Credit Union Rates & Review October 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 12, 2026

Hawaii State Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its CD 15-Month, 0.03% APY on checking, 6.00% on its 15-Year Fixed Mortgage, personal loans from 8.00% APR, and credit cards from 14.40% APR, according to rates verified by MonitorBankRates. Other Hawaii State Federal Credit Union CD rates include CD 9-Month at 4.50%, CD 13-Month at 3.35%, and CD 60-Month at 0.65%. Other Hawaii State Federal Credit Union mortgage rates include 15-Year Fixed Mortgage at 6.25%, 30-Year Adjustable Rate Mortgages (ARMs) at 6.25%, and 30-Year Adjustable Rate Mortgages (ARMs) at 6.38%. 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 10/12/2026.

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 Q2 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 CD Rates

Product	Rate	APY	Term
Term Share 15-Month	-	4.50%	15-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 9-Month	-	4.50%	9-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00% Oct 12, 20264.50%▲ from 4.00% Sep 25, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 13-Month	-	3.35%	13-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 60-Month	-	0.65%	60-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 48-Month	-	0.30%	48-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 24-Month	-	0.25%	24-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 36-Month	-	0.25%	36-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 12-Month	-	0.20%	12-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Term Share 6-Month	-	0.15%	6-Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.15% APY · checked 2 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 10/12/2026 Rate History No change since Sep 25, 2026 · 0.03% APY · checked 4 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; 1APY = Annual Percentage Yield. Rate may change after account is opened. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Relationship Checking	-	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 3 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 10/12/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 4 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 10/12/2026 Rate History No change since Sep 25, 2026 · 0.02% APY · checked 4 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	6.00%	1.750%	6.277%	15 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.32% → 6.28% ▼ 0.04 pts · high 6.36% / low 6.28% Oct 8, 20266.28%▼ from 6.36% Oct 4, 20266.36%▲ from 6.32% Sep 16, 20266.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
15-Year Fixed Mortgage	6.25%	0.875%	6.389%	15 years
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 6.32% → 6.39% ▲ 0.07 pts · high 6.39% / low 6.28% Oct 12, 20266.39%▲ from 6.28% Oct 8, 20266.28%▼ from 6.36% Oct 4, 20266.36%▲ from 6.32% Sep 16, 20266.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Adjustable Rate Mortgages (ARMs)	6.25%	1.500%	6.545%	5 year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 6.54% → 6.55% ▲ 0.01 pts · high 6.55% / low 6.54% Oct 12, 20266.55%▲ from 6.54% Oct 2, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Adjustable Rate Mortgages (ARMs)	6.375%	1.000%	6.547%	5 year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 6.54% → 6.55% ▲ 0.01 pts · high 6.55% / low 6.54% Oct 12, 20266.55%▲ from 6.54% Oct 2, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Adjustable Rate Mortgages (ARMs)	6.375%	1.500%	6.58%	7 year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 6.59% → 6.58% ▼ 0.00 pts · high 6.59% / low 6.58% Oct 12, 20266.58%▼ from 6.59% Oct 2, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Adjustable Rate Mortgages (ARMs)	6.50%	1.000%	6.597%	7 year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 6.59% → 6.60% ▲ 0.01 pts · high 6.60% / low 6.59% Oct 12, 20266.60%▲ from 6.59% Oct 2, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Adjustable Rate Mortgages (ARMs)	6.50%	1.500%	6.646%	10 year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 6.67% → 6.65% ▼ 0.02 pts · high 6.67% / low 6.65% Oct 12, 20266.65%▼ from 6.67% Oct 2, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Adjustable Rate Mortgages (ARMs)	6.625%	1.000%	6.681%	10 year
No additional details. Last Updated 10/12/2026 Rate History 1 change since Oct 2, 2026 · 6.67% → 6.68% ▲ 0.01 pts · high 6.68% / low 6.67% Oct 12, 20266.68%▲ from 6.67% Oct 2, 20266.67%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Fixed Mortgage	6.875%	1.875%	7.062%	30 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.95% → 7.06% ▲ 0.11 pts · high 7.21% / low 6.95% Oct 12, 20267.06%▼ from 7.08% Oct 8, 20267.08%▼ from 7.18% Oct 4, 20267.18%▼ from 7.21% Sep 25, 20267.21%▲ from 6.95% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Adjustable Rate Mortgages (ARMs)	6.50%	1.750%	7.083%	10 year
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.05% → 7.08% ▲ 0.04 pts · high 7.19% / low 7.05% Oct 12, 20267.08%▼ from 7.10% Oct 8, 20267.10%▼ from 7.19% Sep 25, 20267.19%▲ from 7.05% Sep 16, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Adjustable Rate Mortgages (ARMs)	6.75%	0.625%	7.137%	10 year
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.05% → 7.14% ▲ 0.09 pts · high 7.19% / low 7.05% Oct 12, 20267.14%▲ from 7.12% Oct 8, 20267.12%▼ from 7.19% Sep 25, 20267.19%▲ from 7.05% Sep 16, 20267.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
30-Year Fixed Mortgage	7.125%	0.750%	7.20%	30 years
No additional details. Last Updated 10/12/2026 Rate History 4 changes since Sep 16, 2026 · 6.95% → 7.20% ▲ 0.25 pts · high 7.21% / low 6.95% Oct 12, 20267.20%▼ from 7.21% Oct 8, 20267.21%▲ from 7.18% Oct 4, 20267.18%▼ from 7.21% Sep 25, 20267.21%▲ from 6.95% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Fixed Mortgage	7.00%	1.500%	7.523%	40 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.69% → 7.52% ▼ 0.16 pts · high 7.69% / low 7.52% Oct 12, 20267.52%▼ from 7.57% Oct 8, 20267.57%▼ from 7.69% Sep 16, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
40-Year Fixed Mortgage	7.125%	1.000%	7.605%	40 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.69% → 7.61% ▼ 0.08 pts · high 7.69% / low 7.57% Oct 12, 20267.61%▲ from 7.57% Oct 8, 20267.57%▼ from 7.69% Sep 16, 20267.69%first recorded 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	Term
HELOC (up to 80% LTV) - 2-year Intro Rate	-	-	5.25%	2-year
Details Intro Rate; Rate applies up to $399,900 credit line Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
HELOC (up to 80% LTV) - 3-year Intro Rate	-	-	5.30%	3-year
Details Intro Rate; Rate applies up to $399,900 credit line Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
HELOC (up to 80% LTV) - 4-year Intro Rate	-	-	5.50%	4-year
Details Intro Rate; Rate applies up to $399,900 credit line Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
HELOC (up to 80% LTV) - 5-year Intro Rate	-	-	5.50%	5-year
Details Intro Rate; Rate applies up to $399,900 credit line Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Investor/Jumbo HELOC (up to 70% LTV) - 2-year Intro Rate	-	-	5.50%	2-year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Investor/Jumbo HELOC (up to 70% LTV) - 3-year Intro Rate	-	-	5.55%	3-year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Investor/Jumbo HELOC (up to 70% LTV) - 4-year Intro Rate	-	-	5.75%	4-year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Investor/Jumbo HELOC (up to 70% LTV) - 5-year Intro Rate	-	-	5.75%	5-year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
HELOC (up to 80% LTV) - Variable Rate	-	-	6.50%
Details Rate applies up to $399,900 credit line Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Investor HELOC (up to 70% LTV) - Variable Rate	-	-	6.75%
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Jumbo HELOC (up to 70% LTV) - Variable Rate	-	-	7.25%
Details 2 up to $1,000,000 credit line Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR 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
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	5.75%	4 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	5.85%	5 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	5.95%	6 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.40%	1-3 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.40% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.50%	4 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.60%	5 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	6.70%	6 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Auto Loan	-	-	6.75%	7 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Auto Loan	-	-	7.50%	7 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 5 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
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.15% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Motorcycle Loan	-	7.25%	4 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Motorcycle Loan	-	7.35%	5 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.35% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
New Motorcycle Loan	-	7.45%	6 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.45% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	7.90%	1-3 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	8.00%	4 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	8.10%	5 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.10% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Used Motorcycle Loan	-	8.20%	6 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.20% APR · checked 5 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 Published APR range: 14.40% to 18.00%. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 14.15% → 14.40% ▲ 0.25 pts · high 14.40% / low 14.15% Oct 8, 202614.40%▲ from 14.15% Sep 16, 202614.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Always Cash Visa Signature Rewards	-	18.00%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 18.00% APR · checked 5 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
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	8.25%	2 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	8.50%	3 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.00%	4 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.50%	5 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Loan	9.90%	6 years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Personal Line of Credit	11.25%	Revolving
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 11.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Always Cash Visa Signature Rewards	18.00%	Revolving
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 18.00% APR · checked 5 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	8.10%	-	5.427%	96 Months (0% months 0-18, then 8.10% months 19-96)
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
PV Loan Program	8.70%	-	5.817%	96 Months (0% months 0-18, then 8.70% months 19-96)
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.82% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
PV Loan Program	7.70%	-	5.165%	96 Months (0% months 0-18, then 7.70% months 19-96)
Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Roof & Renovation Program Loan	-	-	5.691%	84 Months (0% months 0-12, then 7.70% months 13-84)
Details Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 7.70% Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Roof & Renovation Program Loan	-	-	5.981%	13-84 months
Details Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.10% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.98% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Roof & Renovation Program Loan	-	-	6.414%	13-84 months
Details Interest Rate2 Months 0-12: 0.00%; Interest Rate2 Months 13-84: 8.70% Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.41% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Individual Retirement Account	-	-	0.20%
Min Deposit $100 Details Min. Daily Balance to Earn APY: Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Regular Share	-	-	0.05%
Min Deposit $20 Details Min. Daily Balance to Earn APY: Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 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 $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 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 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 4 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

Q2 2026 MBR Health & Safety Badge

Hawaii State Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

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

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Hawaii State Federal Credit Union

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.

Current Hawaii State Federal Credit Union Rates

12-Month CD0.20%
24-Month CD0.25%
60-Month CD0.65%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hawaii State Federal Credit Union Rates & Review October 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 CD 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

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?

Current Hawaii State Federal Credit Union Rates

Compare to Other Credit Unions