Big Island Credit Union Keaau HI | Affordable Vehicle Loans & Mortgage Rates

Introduction

Welcome to Big Island, your trusted partner in financial wellness, located at 16594 Kipimana St, Keaau, HI 96749. Established in 1936, we have proudly served our community for over 85 years, fostering a strong sense of belonging and support among our 9,808 members. With a robust total asset base of $170,029,343 and total deposits amounting to $12,584,877, we're committed to providing the best banking solutions tailored to meet your needs. At Big Island, we understand that every financial journey is unique. That's why we offer a variety of services including personal checking and savings accounts, auto loans, mortgages, and business banking solutions. Our aim is to empower you with the resources necessary for achieving your financial goals. While members can visit us at our branch location in Keaau, official correspondence should be sent to 66 Lono St, Hilo, HI 96720-4144. We pride ourselves on being approachable and ready to assist you. Whether you prefer visiting us in person or reaching out via phone at 808-930-2600, our dedicated team is here to help. Under the leadership of CEO Nicole Aguinaldo and Board President Henry Kaaihue, Jr., we strive to create an environment where trust and community spirit thrive. With a team of 28 employees, we're not just a credit union; we're your neighbors who genuinely care about your financial success. Join us today and experience the benefits of membership! Explore our website at Big Island FCU for more information or call us to discuss how we can assist you on your financial journey. Your future starts here!

Branch History & Mission

Welcome to the story of Big Island, a credit union that has been serving the community of Keaau, HI since its doors first opened in 1936. Over the years, we have built a legacy rooted in trust, commitment, and community support. With a total membership of 9,808, our growth reflects not only our dedication to providing exceptional financial services but also our deep connection with the families and individuals we serve. Located at 16594 Kipimana St, our branch is easily accessible to all members. Whether you're near the beautiful coastline or the lush landscapes of Hawaii, our friendly team is here to assist you. For official correspondence, please send mail to 66 Lono St, Hilo, HI 96720-4144. At Big Island, our mission is clear: we strive to enhance the financial well-being of our members while actively contributing to the community's growth. We offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans, mortgages, and business banking solutions. Our approach focuses on creating lasting relationships based on integrity and transparency. As we move forward in an ever-changing world, we embrace digital advancements to serve you better. Our online and mobile banking platforms are designed with your convenience in mind. You can manage your finances anytime and anywhere, ensuring that your banking experience is both secure and user-friendly. We are committed to making our services accessible to everyone. Our branch operates with ADA compliance standards and offers drive-thru banking for those who prefer quick transactions without leaving their vehicles. Plus, with an ATM available on-site, you can access your funds whenever you need them. Community outreach is at the heart of what we do. We believe in forming partnerships that uplift our members and local organizations alike. Through various initiatives, we support educational programs and local events that foster growth and development within Keaau. As we celebrate our rich history, we invite you to join us on this journey. Experience the benefits of being part of Big Island where you're not just a member you're family. Reach out today at 808-930-2600 or visit us during our operating hours from 8:30 am - 5:00 pm Monday through Friday. Let's build a brighter financial future together!

Branch Location & Accessibility

Welcome to the Big Island Puna Branch, where your convenience is our priority! Located at 16594 Kipimana St in Keaau, HI, our branch is easily accessible and situated near local landmarks that make it a perfect stop for all your banking needs. Whether you're heading to the nearby Keaau Shopping Center or just passing through this vibrant community, we're here to serve you. At Big Island, we understand the importance of accessibility. Our branch features ADA-compliant facilities, including ramps and designated parking spots, ensuring everyone can visit us with ease. If you need to conduct transactions quickly, take advantage of our drive-thru service for deposits and withdrawals without leaving your vehicle. While members can visit us at 16594 Kipimana St, official correspondence should be sent to our mailing address at 66 Lono St, Hilo, HI 96720-4144. We strive to provide a welcoming atmosphere where every member feels valued. Our lobby hours are designed with your schedule in mind. We're open from 8:30 AM to 5:00 PM Monday through Friday, making it easy for you to come by after work or during lunch breaks. Plus, with ATM availability on-site, you can access cash anytime you need it. If you have any questions or need assistance, don't hesitate to call us at 808-930-2600. Our friendly staff is ready to help you with personal banking services like checking and savings accounts, auto loans, mortgage options, and much more! We invite you to visit us at the Big Island Puna Branch today your trusted partner in financial success!

Member Eligibility

Becoming a member of Big Island is like stepping into a community that genuinely cares about your financial well-being. If you live, work, or worship in the area, you're already on the right track to joining our friendly family! We welcome anyone who meets these simple criteria, making it easy for you to access our range of supportive services. Plus, as a member, you'll enjoy benefits like competitive loan rates and personalized banking solutions tailored just for you. To learn more about the specific eligibility requirements, feel free to visit our detailed page at https://www.bigislandfcu.com/membership-eligibility . When you're ready to open an account and start experiencing the advantages of membership, the process is straightforward! You can find all the information you need on how to get started at https://www.financial-net.com/bigislandfcu/lending . If you have any questions along the way, don't hesitate to reach out to us at (808) 930-2600. We're excited to welcome you to Big Island, located at 16594 Kipimana St Keaau Hi 96749, where your financial journey can truly begin!

Business Banking & Commercial Services

Member Commercial Loans

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. Each loan represents a story of ambition turned into reality, whether it's a local shop expanding its offerings or a service provider investing in new technology.

Merchant Services

In addition to loans, our merchant services offer practical tools for daily operations. Imagine having a payment system that makes transactions easier for both you and your customers. From point-of-sale systems to online payment solutions, we provide the resources you need to streamline your processes and enhance customer satisfaction. Visit us at 16594 Kipimana St Keaau Hi 96749 in Keaau, HI, or call us at (808) 930-2600 to learn more about how we can help your business thrive!

Non-Member Support

Though we prioritize our members, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions to those outside our membership.

Outstanding Loan Portfolio

With an outstanding commercial loan portfolio of $89,180, we continue to drive economic growth by financing new and expanding businesses. This portfolio is not just numbers; it's about empowering entrepreneurs to realize their dreams.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM services make it easy to access your funds whenever you need them. You can withdraw cash or check your balance without any hassle.

Auto Loans & Vehicle Financing

If you're thinking about buying a new car or need financing for a used vehicle, our auto loans are tailored to help make that dream a reality. With competitive rates and flexible terms, purchasing or refinancing your vehicle has never been simpler.

Business Banking

For our business members, we provide essential banking services such as merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we are here to support your growth every step of the way.

Credit Cards with Rewards

Why not earn rewards while you spend? Our credit cards offer great benefits, including cashback and points on purchases. This way, every dollar spent can bring you closer to exciting rewards or savings.

Drive-Thru Banking

For quick transactions like deposits and withdrawals without leaving your car, take advantage of our basic drive-thru banking service. It's convenient for those days when you're short on time but still need banking assistance. At Big Island, located at 16594 Kipimana St Keaau Hi 96749 in Keaau, we pride ourselves on being more than just a financial institution; we are part of the community. With friendly staff ready to assist you and comprehensive services tailored to meet your needs, we invite you to explore what we have to offer. Feel free to call us at (808) 930-2600 during our operating hours from 8:30 AM - 5:00 PM Monday through Friday. Discover how Puna Branch can enhance your financial journey today!

Mortgage Loans & Refinancing

Dreaming of homeownership? Our mortgage loans provide an accessible path to owning your own home. If you already have a mortgage, consider our refinancing options that could lower your monthly payments or help you tap into your home's equity.

Online & Mobile Banking

We understand how busy life can get. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Pay bills, transfer funds, and check balances all at the touch of a button.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit any lifestyle. Need a reliable way to save for your next vacation or just want a convenient account for everyday purchases? We've got you covered. Our checking and savings options come with no hidden fees, making it easy to keep track of your finances.

Personal Loans & Debt Consolidation

For those unexpected expenses or if you're looking to simplify your finances, our personal loans can help. We also offer debt consolidation options that allow you to combine multiple debts into one manageable payment, giving you peace of mind and clarity.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.bigislandfcu.com/ , you can easily access your accounts 24/7. Whether you're checking your balance, making transfers, or paying bills, it's all just a few clicks away. Plus, for those times when you need to send money to friends or family, our person-to-person transfer feature makes it a breeze. Our commitment to security is strong. We offer electronic signature authorization for documents, ensuring that your information remains safe while providing the flexibility you need. You can also opt for e-statements, which not only help you keep track of your finances but also contribute to a greener planet by reducing paper waste.

Mobile Access

For those who prefer banking on the go, our mobile application is available for download. It provides all the functionality of online banking right in your pocket. And while mobile payments are currently not offered, you can still manage transactions efficiently through our app. In addition to these features, real-time account management keeps you informed about your financial status whenever you need it. With everything designed to be user-friendly, even if you're not tech-savvy, you'll find navigating our services straightforward. At Big Island, we strive to make banking simple and accessible for everyone. With robust digital tools at your fingertips, staying on top of your finances has never been easier!

Financial Strength

Commitment to Growth

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 supporting your financial goals is evident as we provide $286 in used auto loans and $48,065,022 in total loans and leases.

Growing Trust Within Our Community

We're proud of our community's trust; our total share accounts have reached 17,521, showing a strong and growing member base that trusts us with their finances. 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 16594 Kipimana St Keaau Hi 96749 or call (808) 930-2600 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

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. 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 operational efficiency shines through with a net income of $0, allowing us to continue offering competitive loan rates and solid financial products for our members. 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.

Solid Financial Foundation

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.

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. Whether you're interested in a reliable used car or a brand-new model, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans totaling $89,180 provide the capital needed to grow and expand. We are committed to supporting local businesses and fostering economic growth within our community.

Credit Lines

Need a little extra flexibility? Our total credit lines amount to $8,000,000, offering you access to funds when you need them most. This option is ideal for those who want the security of available credit while managing their cash flow efficiently. Our team at Big Island, located at 16594 Kipimana St Keaau Hi 96749, Keaau, HI HI, is ready to assist you with any questions about our loan offerings. For more information or to start your application process today, please call us at (808) 930-2600 during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. 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 how we can help you achieve your financial dreams!

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 also offer various refinancing options if you're looking to lower your monthly payments or tap into your home's equity.

Unsecured Credit Card Loans

Managing everyday expenses can be tough. 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. This option provides you with the freedom to spend when needed without the burden of collateral.

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. This transparency is crucial in helping consumers make informed decisions about their borrowing options. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). Every loan offer presented is backed by legitimate financial institutions, enhancing reliability and trust in the information provided. One of the standout features of LendMesh is its commitment to providing verified data. All loan offers are sourced from trusted lenders, ensuring that users can compare rates confidently. Additionally, LendMesh does not use sponsored listings or paid promotions to influence lender visibility. This means that all results are genuinely unbiased, focusing solely on what's best for the user. The platform also provides real-time rate comparisons from multiple institutions. Users benefit from up-to-date loan rates, which helps them make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" For anyone looking to navigate the complex world of loans, LendMesh stands out as a reliable tool designed for clarity and effectiveness. 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