Big Island Credit Union Kailua Kona HI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Big Island, your trusted financial partner in the heart of Kailua Kona, HI. Established in 1936, our Kona Branch has been dedicated to serving the community with integrity and reliability for over 87 years. With a total membership of 9,808 and assets amounting to an impressive $170,029,343, we pride ourselves on being a cornerstone of financial support for families and businesses alike. Located at 755737 Kuakini Hwy, we invite you to visit us for all your banking needs. For any official correspondence, please direct mail to our mailing address at 66 Lono St, Hilo, HI 96720-4144. Our team is committed to ensuring you have access to the financial tools that help you thrive. Whether you're looking for personal banking services like checking and savings accounts or financing options such as auto loans and mortgages, we have you covered. Under the leadership of CEO Nicole Aguinaldo and Board President Henry Kaaihue, Jr., our dedicated staff of 28 employees works tirelessly to provide personalized service tailored to your needs. We understand that every member is unique, and we strive to create an environment where you feel valued and heard. Our financial stability is reflected in our robust figures: total deposits stand at $12,584,877, while our net worth is recorded at $16,630,528. Additionally, we maintain a solid cash reserve of $608,918, ensuring that we can meet your needs promptly and efficiently. At Big Island, we believe in giving back to our community. Our commitment goes beyond just providing services; it's about building lasting relationships that empower members to achieve their financial goals. We offer various lending options including personal loans, business loans, and credit cards with rewards tailored just for you. We encourage you to reach out with any questions or concerns by calling us at 808-329-8889. Explore more about our services by visiting us online at Big Island FCU. Join us on this journey towards financial well-being; together, we can accomplish great things!

Branch History & Mission

Community Commitment

Beyond providing essential financial services, Big Island Credit Union is deeply committed to giving back to the Kailua Kona community. Through various partnerships and outreach initiatives, we aim to support local organizations and foster growth within our neighborhoods. This commitment ensures that as we thrive financially, so does the community around us.

Join Us

As we look forward to many more years of service in Kailua Kona, we invite you to become part of our story. Experience firsthand the benefits of being a member of Big Island Credit Union where your financial well-being is our top priority. Visit us today or contact us at 808-329-8889 for more information about membership and services. Together, let's build a brighter financial future!

Our Mission

At Big Island Credit Union, our mission is clear: we strive to enhance the lives of our members through innovative financial solutions while fostering a sense of community. We believe that everyone deserves access to quality banking services without sacrificing personal touch and understanding. Our offerings include checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking services all designed with our members' needs in mind. We are proud to be ADA compliant and continually invest in technology that makes banking easier for everyone. With online and mobile banking options available, you can manage your finances anytime and anywhere. Plus, our ATMs are available 24/7 for your convenience.

Branch Location & Accessibility

Accessibility and Parking

Our branch is designed with accessibility in mind. We offer ample parking space and features like ADA-compliant ramps for those who need them. Whether you're driving in or walking over from nearby landmarks, accessing our services is straightforward and hassle-free.

Call to Action

We invite you to come visit us at the Big Island branch! Whether you're looking to open an account or simply have questions about our services, our friendly team is ready to assist you. Feel free to give us a call at 808-329-8889 if you need any information beforehand. We look forward to welcoming you soon!

Operating Hours and Services

We are proud to offer 24-hour banking access so you can manage your accounts anytime. Our lobby hours are from midnight to just before midnight during the weekdays, ensuring you have plenty of time to stop by for personal assistance when needed. At the Big Island branch, we provide a range of services tailored to meet your financial goals. You can take advantage of personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services too! Plus, enjoy easy cash withdrawals at our ATM available on-site.

Member Eligibility

At Big Island, we believe in creating a welcoming community where everyone can thrive. Joining us is simple and fulfilling! If you live, work, or worship in our service area, you're likely eligible to become a member. We also welcome immediate family members of existing members, making it easy to share the benefits with your loved ones. Being part of Big Island means gaining access to a range of financial products tailored to meet your needs, including competitive loans and friendly service that truly cares about your financial well-being. To get started on your journey with us, check out our eligibility criteria at https://www.bigislandfcu.com/membership-eligibility . Once you're ready, opening an account is just a click away at https://www.financial-net.com/bigislandfcu/lending . If you have any questions or need assistance, feel free to give us a call at (808) 329-8889. We can't wait to welcome you to our family!

Business Banking & Commercial Services

Merchant Services That Work for You

We also offer merchant services that simplify payment processing, allowing you to focus on what matters most growing your business. Imagine being able to accept payments easily from customers, whether they're shopping online or visiting your store. Our tools help streamline transactions so you can keep your cash flowing smoothly. Located at 755737 Kuakini Hwy Kailua Kona Hi 96740 in Kailua Kona, HI, we're here to partner with you every step of the way. For inquiries, feel free to contact us at (808) 329-8889. Let's work together to achieve your business goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $89,180, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM Services

Accessing cash has never been easier with our ATM services available at convenient locations. Whether you're out shopping or grabbing dinner, feel secure knowing that cash withdrawal and balance checks are just an ATM away.

Business Banking

For our business members, we offer merchant services and business loans tailored specifically for small businesses. Running a business requires reliable financial support, and we strive to provide just that so you can focus on what matters most growing your enterprise.

Credit Cards

Enjoy rewards while you spend! Our credit cards come with benefits that can enhance your purchasing power while rewarding you for everyday purchases. Think about how nice it would be to earn points on groceries or gas turning regular spending into exciting rewards.

Final Thoughts

At Big Island, we pride ourselves on being more than just a financial institution; we're a community partner dedicated to helping you succeed financially. We invite you to explore all that we offer by visiting us at 755737 Kuakini Hwy Kailua Kona Hi 96740 or giving us a call at (808) 329-8889. Let's embark on this financial journey together! For more information on membership eligibility or opening an account, please check out our website at Kona Branch.

Loans and Financing

If you're looking to purchase a vehicle or refinance your existing loan, our auto loans and vehicle financing solutions are here for you. We understand that buying a car can be overwhelming, so we provide competitive rates and flexible terms to make the process smoother. For those considering homeownership or looking to refinance, our mortgage loans are designed with your needs in mind. Imagine securing a comfortable home with manageable monthly payments our team is ready to assist you through each step. Sometimes life brings unexpected expenses, and that's where our personal loans come into play. Whether it's for debt consolidation or covering emergency costs, we're here to help lighten the load.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed to fit your lifestyle. Whether you're saving for a dream vacation or managing everyday expenses, our accounts come with features that make banking easy and accessible. Plus, our online and mobile banking options allow you to check balances, pay bills, and transfer funds right from your smartphone or computer.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly, allowing you to check balances, make transfers, and pay bills effortlessly. If you need to send money to friends or family, our person-to-person transfer feature makes it simple and quick. Plus, for those who prefer the convenience of mobile banking, our dedicated mobile application is available to help you manage your accounts right from your smartphone.

Security and Convenience

Security is a top priority at Big Island. We utilize electronic signature authorization to ensure that your transactions are safe and verified. You can also opt for e-statements, which not only save paper but also provide instant access to your account statements whenever you need them. Whether you're making payments through our online platform or using our mobile app, rest assured that your information is protected with the latest security measures. Our aim is to provide a hassle-free experience so you can focus on what truly matters in life. Join us today and experience the benefits of digital banking with Big Island! For more information on how to get started, visit https://www.bigislandfcu.com/ .

Financial Strength

A Growing Community of Trust

Total Share and Deposit Accounts: 17,521, showing a strong and growing member base that trusts us with their finances. This growth reflects the community's confidence in our ability to manage their resources effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Big Island is your trusted partner. Visit us at 755737 Kuakini Hwy Kailua Kona Hi 96740 or call (808) 329-8889 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Dedicated Team at Your Service

We also take pride in having 28 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Each member of our staff is dedicated to helping you achieve your financial goals.

Focused on Our Members

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. We believe that our success stems from serving your needs first.

Investments in Your Future

With $15,342,066 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to innovation means you'll always have access to the best possible products and services.

Secure Savings Options

Members' savings are secured through $39,381,104 in share certificates and $10,427,059 in money market shares, offering stable and rewarding financial growth opportunities. This means you can rest easy knowing your hard-earned money is safe and working for you.

Solid Financial Health

With a net worth of $16,630,528, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $977 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity supports members' financial goals across various sectors. With $286 in used auto loans and $48,065,022 in total loans and leases, we're here to help you navigate your financial journey smoothly. Additionally, our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,557,140 in used vehicle loans and $6,558,457 in new vehicle loans already helping members get on the road. We provide financing solutions for both new and used vehicles, making it easier than ever to get behind the wheel.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,094,960, make buying or refinancing simple. We aim to provide competitive rates and flexible terms to help you secure your dream home without unnecessary stress.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,320,662 in loans helping members manage their finances effectively. These cards are designed for convenience and can be an excellent tool for managing everyday purchases while earning rewards.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, it's crucial to have a reliable tool that offers clarity and confidence in your decision-making. LendMesh ensures accurate loan comparisons by sourcing data 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 ). This commitment to using verified institutions guarantees that users receive fair and transparent offers tailored to their needs. One of the key benefits of using LendMesh is its Verified Data feature. All loan offers come from legitimate financial institutions, ensuring transparency and reliability. Additionally, LendMesh operates without any Sponsored Listings, meaning lenders are not prioritized based on paid promotions. This approach allows users to see unbiased results for their loan comparisons. Another advantage is the Real-Time Rate Comparisons provided by LendMesh. Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. A satisfied user shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and trustworthy LendMesh can be for individuals seeking loans. 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.*

BIG ISLAND FEDERAL CREDIT UNION - Kailua Kona, HI