HGEA members are eligible to open an account online or at their nearest branch. Credit union membership ($5 in regular savings) is required for service and benefits.

Special benefits or promotional gift cards are available to APFCU members who are approved for and close one of the following new loans: 

• Home Equity Line of Credit: Free appraisal up to $1,000 and $100 gift card
• Mortgage Loan: Free appraisal up to $1,000
• Auto Loan: $100 gift card for financing purchase of new or used car 
• Personal Loan: $25 gift card with any personal loan of $10,000 to $19,999 or $50 gift card with any personal loan of $20,000 or more. 

Redeemable in Maui, Kauai, Oahu and Henderson, Nevada.  

Offer ends December 31, 2026. Offers may be modified or canceled at any time without prior notice. Gift cards are not redeemable for cash, are non-transferable, and may be subject to IRS reporting requirements. Gift card for new auto loans only. Gift cards will be issued within 30 days of loan funding or account activation. All loans are subject to credit approval and standard underwriting criteria. Limit one gift card per product per member.

HGEA members and their immediate family members on all islands are eligible for membership with Hawaii State Federal Credit Union.

You can receive $50 if you become a new Hawaii State FCU member and open a checking account with a debit card.

Hawaii State FCU member benefits include:

• Low rates on mortgage, auto, personal, and home equity loans and credit cards
• Free direct deposit and free debit card with a checking account
• Surcharge-free access to more than 400 ATMs statewide
• Convenient, full-service branches with access to a large network of shared baking branches statewide
• 24/7 access to your accounts with free online and mobile banking platforms.

For more information, contact John Rota at (808) 347-8476 or johnr@hsfcu.com or Kathy Higa at (808) 347-
8495 or kathy.higa@hsfcu.com.

Select mortgage, personal loans and banking benefits for HGEA members and their immediate family members.

Their mortgage benefit allows you to save on closing costs and discounted services from participating real estate agents who contribute up to 1% of the purchase price of your new home to your closing costs.

Visit their website for more information and a full list of benefits.

HGEA members and their family are eligible to join the Kauai Government Employees Federal Credit Union.

Additional benefits include:

• No membership fee plus a free gift if you become a member during an on-site visit.
• New member promo – any new member who opens a savings and checking with direct deposit will receive $50 in their account. New member has 90 days to activate direct deposit. Once activated, $50 will be deposited into one of your accounts within 30 days.
• Referral special – invite your friends or family to join and you’ll be entered into a quarterly drawing to win $500. Referrals have no limit. There is no purchase necessary to enter.

Questions? Call or text (808) 245-2463 or email aloha@kgefcu.org.

HGEA members on all islands can receive the following benefits with CrossCountry Mortgage:

• No processing fee
• No underwriting fee
• No appraisal fee
• No credit report fee
• No flood certification fee

For more information, contact Kelly Hintz at kelly.hintz@ccm.com or (206) 914-5727.

Comprehensive financial plans provided to HGEA members on all islands with financial consultation and planning fees waived for initial consultation, annual reviews and financial plan updates.

Additional benefits including financial account aggregation, electronic vault, portfolio analysis and rebalancing. First year savings up to $3,000 and ongoing annual savings up to $2,000.