Hawaii's Community-focused Credit Union
Speedy auto loan for your life on the go
Apply today for an auto loan from Hawaii Community FCU and we'll get you on the road in no time flat.
Apply online, anytime, anywhere
Purchase a vehicle from your preferred dealer or from a private owner
Get a License To Buy pre-approval before car shopping
Island BBQ Bundle
Open any new checking account for a chance to win a prize!
Charcoal Grill
Grilling Set & Cutting Board
$50 KTA Gift Card
Visa® Credit Card
Discover the more rewarding credit card with low interest rates.
Low Rates
No Annual Fee
Earn Rewards
Mobile Banking
Pay bills, deposit checks, transfer money - no matter the time or place.
Bank on Your Time
Free Download
Bank Anywhere
Your goals. Your timeline. Your financial partner.
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Home Loan Calculator
Estimate your monthly payment and see what fits your budget. Learn more about Home Loan Calculator -
Apply for a Mortgage
We’re here to help you take the next step toward homeownership. Learn more about Apply for a Mortgage
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Share Certificates
A steady way to grow your savings, with terms that work for you. Learn more about Share Certificates -
Savings Accounts
Where your savings journey begins and keeps growing. Learn more about Savings Accounts -
Money Manager Savings
Put your savings to work while keeping it within reach. Learn more about Money Manager Savings
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Manage Your Bills
A simple way to stay on top of your bills, all in one place. Learn more about Manage Your Bills -
Personal Payments (Zelle)
Send and receive money with people you trust, quickly and easily. Learn more about Personal Payments (Zelle) -
Mobile Banking
Bank wherever you are, with everything you need right in your pocket. Learn more about Mobile Banking
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Home Equity Line of Credit
Use the equity in your home to support what matters most to you. Learn more about Home Equity Line of Credit -
Home Budget Calculator
See where your money is going and find ways to stay on track. Learn more about Home Budget Calculator -
Manage Your Bills
A simple way to stay on top of your bills, all in one place. Learn more about Manage Your Bills
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Retirement Accounts
Plan for the future with options that support your long-term goals. Learn more about Retirement Accounts -
Financial Planning
Helpful tools and support to keep you moving forward. Learn more about Financial Planning -
Retirement Accounts Rates
See how your savings can grow with our current rates. Learn more about Retirement Accounts Rates
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Youth Savings
Help your keiki start saving early and build a strong foundation for the future. Learn more about Youth Savings -
Student Credit Union
A hands-on way for students to learn, save, and grow. Learn more about Student Credit Union -
Youth Deposit Days
Bringing real-world money lessons into the classroom. Learn more about Youth Deposit Days
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Home Loan Calculator
Estimate your monthly payment and see what fits your budget. Learn more about Home Loan Calculator -
Apply for a Mortgage
We’re here to help you take the next step toward homeownership. Learn more about Apply for a Mortgage
-
Share Certificates
A steady way to grow your savings, with terms that work for you. Learn more about Share Certificates -
Savings Accounts
Where your savings journey begins and keeps growing. Learn more about Savings Accounts -
Money Manager Savings
Put your savings to work while keeping it within reach. Learn more about Money Manager Savings
-
Manage Your Bills
A simple way to stay on top of your bills, all in one place. Learn more about Manage Your Bills -
Personal Payments (Zelle)
Send and receive money with people you trust, quickly and easily. Learn more about Personal Payments (Zelle) -
Mobile Banking
Bank wherever you are, with everything you need right in your pocket. Learn more about Mobile Banking
-
Home Equity Line of Credit
Use the equity in your home to support what matters most to you. Learn more about Home Equity Line of Credit -
Home Budget Calculator
See where your money is going and find ways to stay on track. Learn more about Home Budget Calculator -
Manage Your Bills
A simple way to stay on top of your bills, all in one place. Learn more about Manage Your Bills
-
Retirement Accounts
Plan for the future with options that support your long-term goals. Learn more about Retirement Accounts -
Financial Planning
Helpful tools and support to keep you moving forward. Learn more about Financial Planning -
Retirement Accounts Rates
See how your savings can grow with our current rates. Learn more about Retirement Accounts Rates
-
Youth Savings
Help your keiki start saving early and build a strong foundation for the future. Learn more about Youth Savings -
Student Credit Union
A hands-on way for students to learn, save, and grow. Learn more about Student Credit Union -
Youth Deposit Days
Bringing real-world money lessons into the classroom. Learn more about Youth Deposit Days
Digital banking tools that let you bank on your time.
Better rates = more money in your pocket.
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New Auto Loans
Rates as low as -
Credit Cards
Rates as low as -
Mortgage Loans
Click here to view rates
*APR=Annual Percentage Rate. Best possible rates displayed.
Trusted by our members, focused on our community.
Local & Member-Owned
Rooted in our community, here to serve our members.
Better Rates & Lower Fees
Better rates and lower fees to help you make the most of your money.
Easy Digital Banking
Manage your money anytime, anywhere with simple, easy-to-use tools.
Loans for Every Stage of Life
Loan options that grow with you over time.
Personalized, Friendly Service
Real support from people who know you and are here to help.
Secure & Trusted
Bank with confidence knowing your information is safe and protected.
Rewards & Member Perks
Enjoy added benefits and perks just for being a member.
Financial Education & Support
Tools and guidance to help you make confident financial decisions.
When one succeeds,
we all succeed.
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$490,000
Learn about our college scholarshipsIn college scholarships awarded to 185 Hawaii Island high school graduates
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$342,321
Learn MoreRaised for local charities through our annual Market Day events
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2,600
High school students received financial literacy education through our Financial Reality Fairs at their schools
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20,000
Learn MoreDeposits made by youth from 15 Hawaii Island elementary and middle schools at Deposit Days
Don’t just take our word for
it, see what our members
have to say.
The word that describes Hawaii Community FCU is 'Family.' They know me when I walk in, and even when we see each other out in the community.
Genesis Pua-Kaipo - Malie Nei
Member since 2008
HCFCU is "generational," a place where family connections grow alongside financial ones.
Kristen Kam - Sweet Kamfection's
Member since 2024
The word that describes Hawaii Community is 'Family.' No matter what, I feel like HCFCU is looking to support the community's best interest.
Jaren Ashcraft - NASA Hubble Fellow
Member since 1998
The word to describe Hawaii Community is 'Welcoming.' They promote financial awareness for kids and offer so many events throughout the year for members to get involved. There's always encouragement for our community.
Yatzixi "Sisi" Ramirez-Cisneros - Caffe Florian
Member since 2017
From launching the Hilo SCU to serving as a Board Director, I've seen firsthand how HCFCU prioritizes financial literacy, accessibility, and member-focused services.
Luke Eclipse-Ujano - KVIKS Media
Member since 2019