Hawaii Schools Federal Credit Union is an exclusive, lifetime benefit available to employees, retirees and current students of the Department of Education (K-12) system in the State of Hawaii including qualifying family members and domestic partners. We are one of Hawaii's oldest credit unions and the largest remaining credit union in Hawaii with a membership focus on those involved with public education (K-12). Unlike other financial institutions that have public stockholders, Hawaii Schools FCU is a not-for-profit financial cooperative where our members are the shareholders and owners. Your savings account represents your ownership in Hawaii Schools FCU. All income after operating expenses and federally-mandated reserves is returned to our member-owners, in the form of higher dividends and great loan rates.