Estate planning at Hawaii State FCU

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. Fourteen branches on Oahu and Maui: Headquarters, Keeaumoku, Kaimuki, Salt Lake, Pearlridge, Kaneohe, Mililani Mauka, Kapolei, Ewa Beach, and four in-store branches inside Safeway (Kapahulu, Hawaii Kai, Waikele on Oahu, and Kihei on Maui), plus the Kahului branch on Maui. Estate paperwork can also be handled through the Member Service Call Center. Surcharge-free ATM access at all Hawaii State FCU and Bank of Hawaii ATMs, and shared branching through the Co-Op network. Hawaii residency is required for new accounts. Routing number 321379041. With 13 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.