Estate planning at Hawaii State FCU
How to protect 12 Hawaii State FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Hawaii State FCU's Member Services - Estate and Trust Accounts
Member Service Call Center
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteLearn more→
Member Services - Estate and Trust Accounts
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
WebsiteLearn more→
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteNotify online→
Verified Apr 2026
How your Hawaii State FCU accounts transfer at death depends on how each one is set up. As a membership-based credit union, Hawaii State FCU headquartered in Honolulu, Hawaii with 15 branch locations across Oahu and Maui, including in-store branches inside Safeway locations (Kapahulu, Hawaii Kai, Kailua, and Kihei). Membership open to Hawaii residents, immediate family members of current members (spouses, parents, grandparents, children, siblings, household members), and employees of Hawaii State FCU Select Business Partners. Surcharge-free ATM access at all Hawaii State FCU and Bank of Hawaii ATMs. Shared branching through Co-Op Network provides access to 5,000+ credit union branches nationwide. Routing number: 321379041. With 12 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Managing beneficiaries at Hawaii State FCU is straightforward—changes can be made in branch, by mail, and by phone, typically taking 15-30 minutes in branch; longer by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Hawaii State FCU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 12 account types at Hawaii State FCU.
View details →When someone dies
Death claim process
Contact Hawaii State FCU's Member Services - Estate and Trust Accounts to file a claim. 5-step process, 7 required documents, and contact information for survivors.
View details →Reach Hawaii State FCU's Member Services - Estate and Trust Accounts at 1 (888) 586-1056 for help with any of these procedures.
Because Hawaii State FCU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. Hawaii State FCU accepts both revocable and irrevocable trust accounts for share draft (checking), share (savings), and term share certificate accounts. Visit a local branch with your Certification of Trust (or full trust agreement), trustee identification, and the trust Tax Identification Number. Existing accounts can also be retitled to a trust without closing them. Hawaii residency is required for new accounts.
Yes. Existing deposit accounts (share draft, share savings, term share certificates) can be retitled to your revocable living trust. Visit a Hawaii State FCU branch with your Certification of Trust and trustee identification. The process does not require closing and reopening the account if the same SSN or EIN is used. IRA accounts cannot be retitled to a trust.
Membership is open to Hawaii residents, immediate family members of current members (spouses, parents, grandparents, children, siblings, and household members), spouses of persons who died while within the field of membership, and employees or members of Hawaii State FCU Select Business Partners (companies, associations, and nonprofit groups located in Hawaii and enrolled with Hawaii State FCU). You can apply for membership at the same time you open an account.
The Always Saving account is a high-yield liquid savings account with a blended rate structure. The first $5,000 earns a higher rate and amounts above $5,000 earn a lower rate, blended together. To earn the qualified rate, your balance must increase month over month (excluding dividends). If it does not increase, the base rate applies. The minimum opening deposit is $100, and a $5 monthly service charge applies if the average daily balance falls below $500. One account per SSN.
Hawaii State FCU branches are located on Oahu and Maui only. However, members can access 5,000+ shared branches nationwide through the Co-Op Network, which allows you to perform transactions at participating credit unions as if you were at a Hawaii State FCU branch. Surcharge-free ATM access is available at all Hawaii State FCU and Bank of Hawaii ATMs.
Sources
Data sourced from Hawaii State FCU primary sources (15 pages reviewed). How we research.
Member Service Call Center
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteLearn more→
Member Services - Estate and Trust Accounts
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
WebsiteLearn more→
Phone(808) 587-2700
Toll-Free1 (888) 586-1056
Mailing Address
Hawaii State FCU, P.O. Box 3072, Honolulu, HI 96802
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Hawaii State FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
