Hawaii State Federal Credit Union is the largest credit union in the state by membership and assets. Founded in 1936 to serve state government employees, membership has since opened well beyond that, and branches operate across Oahu and the neighbor islands. HSFCU offers checking, savings, auto loans, credit cards, mortgages, and business accounts, along with financial wellness programs. Deposits are NCUA insured. As a member-owned cooperative, it returns earnings through rates rather than shareholder dividends, which typically shows up as better loan pricing than comparable bank products.