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Locations Find a branch location or ATM near you!


The credit union offers CUTEL ATM locations at all of our branches — Kailua-Kona, Kaloko (2 drive-ups and one walk-up), Kealakekua, Kohala and Honokaa. When you need quick cash, take your ATM card and your memorized PIN to any of these locations, 24 hours a day. You can also use your InstaCheck Debit Card at our ATM locations. The ATMs dispense cash in denominations of $20 bills only. You can set up your card to access your Share Savings Account & checking through the CUTEL ATM.

Your ATM card can be used at any machine with access to CO-OP NETWORK, Plus®, Visa®, American Express ® and STAR ® systems worldwide (not all foreign countries may participate). There are some fees and limits on withdrawals.


You can access a number of participating credit unions across the state as though they were your home branch of HCFCU. Through our Shared Branching network, you can make deposits, cash checks, make loan payments and perform just about any other credit union transaction. If you're traveling or relocating, Shared Branching makes your life so much more convenient!

» See the most current list of participating branches.

Or, if you're traveling on the Mainland, you can access a convenient branch of our CU Service Center, giving you the same conveniences nationally and in some international locations.

» See the most current list of participating branches.

CUTEL ATM Locations

Kailua-Kona Branch
75-159 Hualalai Road
Kailua-Kona, Hawaii 96740
(808) 930-7700

Kaloko Branch
73-5611 Olowalu Street
Kailua-Kona, Hawaii 96740
(808) 930-7700

Kealakekua Branch
81-6631 Mamalahoa Highway
Kealakekua, Hawaii 96750
(808) 930-7700

Kohala Branch
54-396 Union Mill Road
Kapaau, Hawaii 96755
(808) 930-7700

Honoka'a Branch
45-690 Pakalana St., Suite A,
Honoka'a, HI 96727
(808) 930-7700



CO-OP NETWORK gives our members ATM access to more than 20,083 conveniently located surcharge-free ATMs across the United States, Puerto Rico and Canada. These ATMs are located at participating credit unions, as well as in airports, malls, shopping centers, movie theaters, grocery stores, department stores and other convenient locations.


Text Messaging and GPS!

Find a CO-OP Network surcharge-free ATM when you’re away from your computer!
Before you take your next road trip, be sure that you know exactly where to get your cash for free. Text your location – address, intersection or zip code – to 692667 (MYCOOP) from any mobile phone or download the database of more than 25,000 surcharge-free ATMs directly to your Garmin, Tom Tom or other GPS device. You’ll never be lost looking for a surcharge-free ATM again.

It’s quick and easy!  Here’s how:

  • Send a text with your current location – address (including city, state), zip code or intersection to 692667 (MYCOOP).
  • Within a minute, the service will send you a reply with the nearest CO-OP Network surcharge-free ATM to that location.
  • Need additional locations?  Text “more” and the service will send the next nearest ATM locations.

Mobile Phone:
Text your location to 692667 (MYCOOP)*

Visit www.co-opnetwork.org

Call 1-888-SITE-COOP

Download ATM locations to your navigation device.