Guaranteed Asset Protection

Help cover the difference between what you owe and what your insurance may pay.

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If your vehicle is stolen or totaled, GAP helps cover what insurance may not.

Protection when you need it most.

If your vehicle is stolen or declared a total loss, your insurance payout may not cover the remaining balance on your loan. Guaranteed Asset Protection (GAP) helps fill that gap so you are not left paying out of pocket.

This optional coverage is designed to help protect you from the financial impact of a major loss, giving you added confidence every time you get behind the wheel.

Hawaii Community Federal Credit Union offers auto loans to help you get on the road with confidence, backed by trusted local service across Hawaii.

How GAP Coverage helps

Support when your insurance payout falls short.

Helps cover the difference between your insurance payout and your remaining loan balance
Provides added peace of mind in the event of a stolen or totaled vehicle
Available for new and used vehicles

GAP Plus benefits

Additional features available through upgraded coverage.

Up to $1,000 toward a down payment on a replacement vehicle financed through HCFCU
Up to $1,000 toward your insurance deductible (where allowed)
90-day free trial with the option to cancel for a full refund
Available for auto loans and leases

Frequently Asked Questions

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What is your contact information?

Phone Numbers

Main Number: 808-930-7700, Toll-Free: 800-514-2328

Lost/Stolen VISA^®

During Business Hours: 808-930-7700, After Hours: 800-847-2911

Mailing Address:

73-5611 Olowalu Street, Kailua-Kona, HI 96740

What is your routing number?

Hawaii Community Federal Credit Union's routing number is 321379818.

Do you offer notary services?

We offer notary serives at all our branches. We recommend you call ahead to schedule an appointment at 808-930-7700.

Are my deposits insured?

We all want peace of mind when it comes to keeping our hard-earned money in savings accounts. Your Hawaii Community Federal Credit Union accounts are safe with us and insured by the NCUA for up to $250,000. If you need insurance beyond that amount, we'll help you structure your account so you can get additional coverage. Keep in mind our IRA accounts are insured separately up to $250,000, too.

Do you participate in shared branching?

Yes, Hawaii Community Federal Credit Union participates in shared branching. Whenever you're traveling on the mainland, you can still get easy access to your Hawaii Community Federal Credit Union account through our partnership with the CO-OP Network.

Locate a shared branch online or by calling 888-748-3266.

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