Aloha Pacific Credit Union Kekaha HI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Aloha Pacific, where our commitment to serving the Kekaha community shines brightly! Located at 8254 Kekaha Rd, Kekaha, HI 96752, we have proudly opened our doors since 1936, providing trusted financial services tailored to meet the needs of our 67,866 members. With a total asset base of over $1.29 billion and total deposits reaching $100,319,680, we're not just a credit union; we're a cornerstone of support for families and businesses in our area. At Aloha Pacific, we understand that every member has unique financial goals. That's why we offer a wide range of services, including personal banking, auto loans, mortgage financing, and business loans designed to empower you on your financial journey. Our leadership team, guided by CEO Vince Otsuka and Board President Gary Iwai, is dedicated to fostering an environment where trust and reliability are at the forefront of everything we do. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address: PO Box 609, Kekaha, HI 96752. You can reach us at (808) 337-1433 during our lobby hours from Monday to Friday, 9 AM to 5 PM. Join us as we continue to strengthen our community through financial education and support. Explore more about how we can help you achieve your financial dreams by visiting our website at Aloha Pacific. Whether you're looking for guidance on loans or simply need assistance with your accounts, we're here for you every step of the way!

Branch History & Mission

Community Focus

As part of our dedication to community welfare, Aloha Pacific actively engages in outreach efforts that uplift those around us. We believe that by investing in local initiatives and supporting businesses through loans and resources, we help foster a thriving economy for everyone in Kekaha. With no ATM or drive-thru facilities currently available at our branch, we're focused on delivering personalized experiences through face-to-face interactions or via phone at 808-337-1433. We prioritize understanding your unique needs so we can offer tailored solutions whether you're looking for personal banking options like checking accounts or seeking financing for your next vehicle or home. In closing, we invite you to join Aloha Pacific today! Experience the benefits of being part of a member-focused credit union committed to your financial success and community growth. Visit us or check out our website at Aloha Pacific for more information on membership eligibility and account openings. Together, let's build a brighter future for Kekaha!

Our Mission

Aloha Pacific is more than just a credit union; we are dedicated to providing exceptional financial services that empower our members. Our mission is clear: to enhance the financial well-being of our community through personalized service and innovative solutions. We strive to support not only your individual financial goals but also the broader needs of Kekaha through various outreach programs and partnerships. We understand that today's world requires modern solutions. That's why we offer online banking options and mobile payments for convenience while ensuring ADA compliance so everyone can access our services easily. Our commitment extends beyond transactions; it's about building lasting relationships grounded in trust and support.

Branch Location & Accessibility

Welcome to the Aloha Pacific Kekaha Branch! Conveniently located at 8254 Kekaha Rd, Kekaha, HI 96752, our branch is here to provide you with all your banking needs in a friendly and accessible environment. Nestled in the beautiful Kauai County, we are just a short drive away from popular local spots, making it easy for you to stop by while running errands or enjoying a day out. While members can visit us at our branch location, please note that any official correspondence should be sent to our mailing address at PO Box 609, Kekaha, HI 96752. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ample parking to ensure everyone can easily access our services. At Aloha Pacific, we understand that your time is valuable. That's why we offer convenient banking hours from Monday to Friday, 9 AM to 5 PM. Whether you need assistance with personal banking, auto loans, or setting up online banking options, our dedicated team is ready to help you every step of the way. Unfortunately, we do not have an ATM or drive-thru service at this location. However, our staff is always on hand to assist you with cash withdrawal services and any other inquiries you may have. If you're looking for a credit union that feels like family, come visit us at the Aloha Pacific Kekaha Branch today! Feel free to call us at 808-337-1433 for more information or if you have any questions. We look forward to serving you!

Member Eligibility

Becoming a member of Aloha Pacific is like joining a family that cares about your financial well-being. If you're living, working, or attending school in Kauai County, you're likely eligible to join us! We believe that everyone deserves access to friendly service and great financial products. By choosing Aloha Pacific, you not only gain a supportive banking partner but also enjoy benefits like lower loan rates and fewer fees compared to traditional banks. To get started, simply visit us at 8254 Kekaha Rd Kekaha Hi 96752 or give us a call at (808) 337-1433 for more information. You can also check out the detailed membership eligibility criteria at https://www.alohapacific.com/membership. It's easy to become part of our community, and we can't wait to welcome you through our doors! If you're ready to open an account, you can find all the details on how to apply at https://www.alohapacific.com/apply-for-a-loan/.

Business Banking & Commercial Services

Commercial Loans for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $64 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $69 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $92,405,924, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work

In addition to loans, we offer comprehensive merchant services designed to simplify transactions. Imagine easily accepting payments from customers through various methods credit cards, mobile payments, or even online transactions all tailored to fit your business needs. This not only enhances customer experience but also streamlines your operations. Located at 8254 Kekaha Rd, Kekaha, HI 96752, our branch is here to partner with you on your journey toward success. Reach out to us at 808-337-1433 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our business members, we provide essential services including merchant services and business loans. Whether you're just starting out or looking to expand, our business banking solutions are designed to support your growth ambitions.

Convenient Access Anytime

With online & mobile banking, accessing your accounts is easy and convenient anytime, anywhere. You can make transfers, pay bills, or even send money directly to friends using our person-to-person payment feature. Although we do not currently have ATM services at this branch location, rest assured that our digital banking options ensure you're never far from managing your finances effectively. If you have any questions about how we can assist you further or wish to learn more about any specific service, please don't hesitate to reach out at (808) 337-1433. Our team at Aloha Pacific is here for you Monday through Friday from 9 AM - 5 PM. Ready to take control of your finances? Visit us today at 8254 Kekaha Rd Kekaha Hi 96752 or check out our website for more information: Kekaha Branch. We look forward to serving you!

Home Financing Options

When it comes to homeownership, we offer comprehensive mortgage loans and refinancing solutions. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we're here to assist you with personalized service. We'll work with you to find the right loan option that meets your needs.

Loans and Credit Solutions

In addition to auto loans and mortgages, we provide various personal loans and debt consolidation options. If you're feeling overwhelmed by multiple debts, our debt consolidation service can simplify your payments into one manageable loan. Our team is dedicated to finding solutions that work for you. We also offer credit cards with rewards, allowing you to earn points on everyday purchases while enjoying the benefits of cash back or travel rewards. It's a great way to get more out of your spending!

Personal Banking Solutions

Our personal banking services include checking and savings accounts that are designed to help you save for the future while keeping your money easily accessible. Imagine being able to check your account balances or transfer funds right from your smartphone using our online and mobile banking features. With us, managing your finances has never been simpler! If you're considering buying a new car, our auto loans and vehicle financing options can help make that dream a reality. We offer competitive rates and flexible terms tailored to fit your budget. Plus, our friendly team will guide you through the entire process, ensuring you understand every step along the way.

Digital & Online Banking

Accessibility & Ease-of-Use

All these tools are designed with you in mind, ensuring an easy-to-use experience that helps you manage your money in real-time. Whether you're using a computer or a smartphone, accessing your accounts has never been more straightforward. At Aloha Pacific, we are committed to making banking not just accessible but also enjoyable. Dive into our digital banking services today and discover how easy managing your finances can be!

Key Features

We know security is a top priority for our members. That's why we offer features like electronic signature authorization, making it easy and safe to sign documents from the comfort of your home. Plus, you can opt for e-statements to go paperless and keep track of your transactions effortlessly. Managing payments is easier than ever with our mobile payments feature. You can make quick purchases or send money to friends and family using our person-to-person transfer service. And if you're on the go, don't forget about our mobile application! It puts all these features right in the palm of your hand.

Financial Strength

Commitment to Reinvestment

With $118,890,175 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our diverse lending capacity is reflected in the $2,225 in used auto loans and $771,536,321 in total loans and leases, which support members' financial goals across various sectors.

Member-Centric Savings Options

Members' savings are secured through $291,314,268 in share certificates and $68,403,700 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $695,028 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 166 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $130,566,952, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,011 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built Through Growth

Total Share and Deposit Accounts: 136,954, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Aloha Pacific is your trusted partner. Visit us at 8254 Kekaha Rd Kekaha Hi 96752 or call (808) 337-1433 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $39,882,247 in used vehicle loans and $59,791,176 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make financing your vehicle as straightforward as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $92,405,924 provide the capital needed to grow and expand. We recognize the unique challenges businesses face and strive to offer tailored solutions to meet those needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $167,526,823, making buying or refinancing simple. We offer guidance through the entire process to ensure you feel confident and informed every step of the way.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that could potentially lower your payments or help you access cash for other needs. Be sure to ask our team about eligibility criteria when you reach out. At Aloha Pacific, we pride ourselves on providing transparent information about our products. You can reach us at (808) 337-1433 for any questions or assistance regarding our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan products today by visiting us at 8254 Kekaha Rd Kekaha Hi 96752, or check out our website at Aloha Pacific for more details!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,764,405 in loans helping members manage their finances effectively. This option allows you to make purchases without tying them directly to your savings or checking account.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means users can trust that they are comparing legitimate options.

Aloha Pacific