The benefits of ownership.

As you may already know, at Hawaii Community Federal Credit Union,  we’re different. If you have experienced credit union membership before, then you know how much you can expect in the way of personalized service, low-fee products and lots of perks.

Hawaii Community Federal Credit Union is a non-profit cooperative wholly owned by our membership. We’re not driven to better a corporate bottom line, because there is none. Indeed, we exist only to serve our members’ needs with competitive and beneficial products and services.

We’re happy you have selected us for your financial needs and we will work hard to meet your expectations. We pride ourselves on our friendly, helpful staff who provide individualized service and attention to detail. We are deeply committed to our membership and the Hawaii Island community in which we all live.

Lower rates, lower fees, higher dividends.
And many more benefits for owners.

So, as a member here, you will experience the privileges of being an owner, such as lower loan rates, higher dividend rates and lower fees than most other financial institutions. Not to mention perks including discounts and access to numerous money-saving services. And as a member, you’ll also have voting privileges within the organization. That’s why ownership truly does count.

Welcome. We’re honored you’ve joined us at Hawaii Community Federal Credit Union.

Our history: Rooted in Kona coffee culture.

On a windy, rainy night in 1936, a group of 10 coffee farmers sat down in Kealakekua at the Konawaena High School cafeteria,  and drew up a charter to form their own credit union. Because they had difficulty obtaining loans or service from banks, this new credit union helped its first members get through the challenges of the Great Depression and kept their farms and families going.

Known initially as Kona Farmers Federal Credit Union, and later expanding in 1939 as Kona Community Federal Credit Union, this credit union was built by our community, for our community.

How we’ve grown.

HCFCU’s field of membership increased substantially in 1982 when Kohala Federal Credit Union merged with us. In 1991, we changed our name to Hawaii Community Federal Credit Union to better represent the geographic scope of our membership. In 2000, our field of membership opened up to the entire island of Hawaii as Paauhau Federal Credit Union merged with us. We now serve members with offices in Kailua-Kona, Kaloko, Kealakekua, Kohala and Paauhau.

Through our shared branching locations on other islands as well as our CO-OP NETWORK, members can access accounts even when they are not physically on Hawaii Island. Our shared branching services are also available throughout the Mainland and in countries worldwide.

Today, a robust membership continues the dream of the charter members, without whom there would not be a Hawaii Community Federal Credit Union, an organization now grown stronger and more viable beyond their wildest dreams.

Benefits of Membership

Our charter: Who is eligible to join
Hawaii Community Federal Credit Union.

Hawaii Community Federal Credit Union Membership shall be limited to those having the following common bond:

• Individuals who live, regularly work, worship, attend schools or perform volunteer services on the Island of Hawaii, State of Hawaii, and members of their immediate families or household and organizations of such persons.
• Any business and other legal entities located on the Island of Hawaii.
• Immediate family members of a natural person member or potential member may join the credit union even if they do not live, regularly work, worship, attend schools or perform volunteer services on the Island of Hawaii.
• Immediate family members are defined as grandparents, parents, step-parents, spouse, siblings, step-siblings, children, adopted children, step-children and grandchildren of the natural person member or potential member.
• Membership is open to persons who reside in the same “household” with a current member even if the residence is located outside the Island of Hawaii.
• Household is defined as persons living in the same home and who maintain a single economic unit. This includes any family members, domestic partners, foster children and legal guardian relationships.

Members are the bottom line.