Hawaii USA Federal Credit Union (HawaiiUSA FCU) is more than just a financial institution it is a cornerstone of the local community With a mission to enrich lives and communities HawaiiUSA FCU offers a comprehensive suite of financial services tailored to meet the diverse needs of its members From personal banking solutions to business services HawaiiUSA FCU is dedicated to fostering financial wellness across the islands
About Hawaii USA Federal Credit Union
Founded in 1936 HawaiiUSA Federal Credit Union has grown to become one of the largest credit unions in the state Headquartered in Honolulu Hawaii this member-owned institution is built on the principles of cooperation and trust It serves more than 125,000 members emphasizing personalized service and community development
Membership Benefits Why Choose HawaiiUSA FCU
- Member-Owned Institution
As a credit union HawaiiUSA FCU is owned by its members This structure allows for
Lower Fees: Reduced or no fees on various financial services
Better Rates: Competitive rates on loans, mortgages, and savings accounts
Dividends: Profits are reinvested to benefit members rather than shareholders
- Financial Wellness Programs
HawaiiUSA FCU goes beyond traditional banking by offering resources to improve financial literacy These include
Free financial counseling sessions
Budgeting workshops and tools
Investment education and planning
- Community Focus
The credit union actively contributes to local causes schools and non-profit organizations reinforcing its commitment to Hawaii’s community
Comprehensive Financial Services
- Personal Banking Solutions
HawaiiUSA FCU offers a range of personal banking products designed to simplify your financial life
Savings Accounts: High-yield savings and money market accounts to grow your wealth
Checking Accounts: No-minimum-balance accounts with features like online banking and mobile deposits
Certificates of Deposit (CDs) Secure fixed-rate investment options with flexible terms
- Loan and Credit Options
The credit union provides competitive loan products for various needs
Auto Loans: Flexible terms and low-interest rates for new and used vehicles
Personal Loans: Unsecured loans with no collateral required
Mortgages and Home Equity Lines of Credit (HELOCs) Tailored solutions to help you achieve homeownership or renovate your property
- Business Banking
HawaiiUSA FCU supports local businesses with specialized products and services
Business checking and savings accounts
Commercial real estate loans
Merchant services for payment processing
Financial planning for small businesses
- Digital Banking
Keeping pace with technology HawaiiUSA FCU provides robust digital tools
Mobile App: Manage accounts, pay bills, and transfer funds on the go
Online Banking: A secure platform for easy access to your finances
E-Statements: Eco-friendly and convenient statement delivery
Locations and Accessibility
- Branch Network
HawaiiUSA FCU operates a wide network of branches across Hawaii ensuring accessibility for all members Key locations include
Honolulu (Main Office)
Pearl City
Kapolei
Kahului (Maui Branch)
- ATMs and Shared Branching
Members enjoy access to thousands of surcharge-free ATMs and shared branches nationwide through partnerships with the CO-OP Network - Extended Support
With 24/7 online banking and customer support HawaiiUSA FCU ensures that assistance is just a call or click away
Commitment to Community Development
- Scholarships and Grants
HawaiiUSA FCU offers educational scholarships to students and grants to local schools, helping foster the next generation of leaders - Volunteer Initiatives
The credit union encourages employees and members to participate in community outreach programs such as food drives and educational workshops - Sustainable Practices
HawaiiUSA FCU incorporates eco-friendly initiatives such as paperless banking and support for green projects contributing to Hawaii’s sustainability goals
How to Become a Member
Eligibility
Membership is open to individuals who live work worship or attend school in Hawaii Immediate family members of current members are also eligible
Application Process
Joining HawaiiUSA FCU is simple
Complete the online application or visit a branch
Provide valid identification and proof of eligibility
Make an initial deposit to open your account
Why Hawaii USA FCU Stands Out
- Personalized Service
HawaiiUSA FCUs member-first approach ensures every individual receives personalized solutions that align with their financial goals - Competitive Rates
From savings accounts to loan products members benefit from some of the best rates in the market - Financial Education
The credit union’s emphasis on financial literacy empowers members to make informed decisions fostering long-term financial health - Community Involvement
By actively investing in local initiatives HawaiiUSA FCU strengthens its bond with the community it serves
Conclusion
HawaiiUSA Federal Credit Union embodies the spirit of aloha by delivering top-notch financial services while fostering community growth and sustainability Whether you’re looking for a reliable banking partner seeking financial guidance or wanting to support a community-driven institution HawaiiUSA FCU stands as an excellent choice for individuals and businesses alike
