Cu Hawaii Hilo HI Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Cu Hawaii, your trusted financial partner located at 476 Hinano St, Hilo, HI 96720. Since our establishment in 1955, we have proudly served our community with a commitment to member-focused banking solutions and personalized service. With a strong membership of 29,354 individuals, we are dedicated to fostering financial well-being for everyone who walks through our doors. At Cu Hawaii, we understand the importance of sound financial choices. That's why we manage total assets of $398,051,626, ensuring that your hard-earned money is secure and growing. Our diverse range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards designed to fit your lifestyle. While members can visit us at our Hilo branch for their banking needs, official correspondence should be sent to the same address: 476 Hinano St, Hilo, HI 96720. This consistency simplifies your interactions with us. Under the leadership of CEO James Takamine and Board President Eric Tanouye, our team of 101 employees is here to help you navigate your financial journey. We prioritize transparency and trust in all our dealings. With total deposits amounting to $10,904,543 and a net worth of $46,093,398, you can feel confident that your finances are in capable hands. Whether you're looking to buy a new car or save for the future, Cu Hawaii offers competitive rates on loans over 11,932 loans have been financed through us! For added convenience, we also provide online and mobile banking options so you can manage your account anytime and anywhere. Ready to take the next step toward achieving your financial goals? Visit us today or give us a call at 808-933-6700. Let Cu Hawaii be part of your financial success story!

Branch History & Mission

Join Us

We invite you to experience the benefits of being a member at Cu Hawaii. Whether you're looking for a place to save for the future or need help navigating loans and credit options, we're ready to assist you every step of the way. Come visit us at Cu Hawaii in Hilo where your financial future matters! For more information or assistance, please call us at 808-933-6700. Join us today and become part of a community-focused credit union that truly cares about your financial success!

Our Journey

Since opening our doors nearly seven decades ago, Cu Hawaii has reached impressive milestones. We currently manage assets totaling over $398 million, providing financial stability and support to our members. As we have grown, so too has our commitment to adapting to the needs of the community. We now offer a variety of services including personal banking, auto loans, mortgages, and business banking solutions that empower our members to achieve their financial goals. While our mailing address remains the same as our physical location 476 Hinano St, Hilo, HI 96720 we invite you to visit us during our operating hours: Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM. Whether you're stopping by for a quick transaction or seeking guidance on your financial journey, we're here for you.

Our Mission

At Cu Hawaii, our mission is clear: we are dedicated to providing exceptional financial services while fostering a strong sense of community. We believe in empowering individuals and families by offering tailored solutions that fit their unique needs. Our focus extends beyond just transactions; we strive to make a positive impact on Hilo through partnerships and outreach initiatives that support local schools and charities. We are proud of our commitment to accessibility as well. With ATM availability and drive-thru banking options at our branch, we ensure that all members can access their funds conveniently and safely. As technology continues to advance, we prioritize offering digital solutions like online banking and mobile payments. This ensures that our members can manage their finances anytime and anywhere without compromising on security or service quality.

Branch Location & Accessibility

Call to Action

We invite you to stop by Cu Hawaii today or give us a call at (808) 933-6700. Our dedicated team is eager to help you navigate your financial journey and answer any questions you may have. Experience the friendly service and community spirit that makes us more than just a credit union it's where your financial goals become reality!

Operating Hours

We understand that life can be busy, which is why our doors are open during convenient hours. You can visit us Monday through Friday from 8:00 AM to 5:00 PM and Saturday from 8:00 AM to 12:00 PM. Whether you need to make a deposit, inquire about loans, or simply chat with one of our friendly staff members, we're here for you!

Parking and Accessibility

At Cu Hawaii, we prioritize accessibility for all our members. Our location offers ample parking, including spaces designed for those with mobility challenges. The branch is fully ADA compliant, ensuring everyone can access our services comfortably. If you're driving through, you'll be pleased to know that we also have a drive-thru option available, allowing for quick and easy transactions without leaving your vehicle.

Services Offered

Cu Hawaii is proud to offer a wide range of services designed for both personal and business needs. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we've got something for everyone. Additionally, our ATM availability ensures you can access cash whenever you need it. While members can visit us at 476 Hinano St Hilo Hi 96720, official correspondence should be sent to 476 Hinano St, Hilo, HI 96720 if it differs from our physical address.

Member Eligibility

Becoming a member of Cu Hawaii means joining a community that truly cares about your financial well-being. If you live, work, or go to school in Hawaii, you're already on the right track! We welcome individuals who have family members currently with us, as well as those affiliated with certain organizations. The process is straightforward and friendly just visit our website at https://www.cuhawaii.com/about-cu/membership .html for all the details on eligibility criteria. Once you confirm your eligibility, opening an account is a breeze! You can start your journey by applying online through this link: https://app.consumer.meridianlink.com/apply.aspx?lenderref=cuhawaii013023&list=xasa1s2splvlccst . If you have any questions or need assistance, feel free to call us at (808) 933-6700. We're here to help you every step of the way at our branch located at 476 Hinano St Hilo Hi 96720!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $22 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $8,054,867, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that simplify payment processing and enhance customer satisfaction. Whether you need point-of-sale systems or online payment solutions, our services are designed to help you manage transactions smoothly, letting you focus on what you do best running your business. Partner with us at Cu Hawaii, where your success is our priority! For more information or to get started, call us at (808) 933-6700 or visit our website at https://www.cuhawaii.com/ .

Comprehensive List Of Services

ATM and Drive-Thru Services

We also provide convenient access through our ATM & Cash Withdrawal Services, along with basic drive-thru banking for deposits, withdrawals, and simple transactions. Whether you're on the go or prefer a quick visit without stepping inside the branch, we've made banking accessible for everyone. At Cu Hawaii, we're committed to making your financial journey as smooth as possible. If you're ready to explore what we can do for you or if you have any questions about our services, please don't hesitate to reach out at (808) 933-6700 or visit us at Hilo today!

Business Banking Solutions

For entrepreneurs and business owners, we provide comprehensive Business Banking solutions. From Merchant Services that make transactions smooth and easy to Business Loans designed to help you expand or improve operations, we're dedicated to supporting local businesses in their journey toward success.

Convenient Digital Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking platforms that let you manage your accounts anytime, anywhere. With features like mobile payments and e-statements, you'll find banking with us straightforward and user-friendly.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards, which allow you to earn points on everyday purchases. This can turn regular spending into exciting rewards, helping you make the most out of your money.

Personal Banking

For individuals, we offer various Personal Banking options that include checking and savings accounts designed for everyday use. Imagine having a checking account that helps you track your spending and save effortlessly for future goals. Our savings accounts are perfect for building an emergency fund or saving for that special vacation. When it comes to financing, our Auto Loans & Vehicle Financing can help you get behind the wheel of your next car. We understand that purchasing a vehicle is a significant decision, which is why we offer competitive rates and flexible terms. You can also consider our Mortgage Loans & Refinancing services if you're ready to buy your first home or want to lower your current mortgage payments. If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options are here to help. Picture consolidating multiple debts into one manageable payment making it easier for you to regain control over your finances.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills anytime, day or night. We also provide e-statements, giving you a quick and eco-friendly way to review your financial activity without the clutter of paper statements. If you're looking for a hassle-free way to sign documents, our electronic signature authorization feature allows you to complete transactions with just a click. For those who prefer managing their finances through their smartphones, our mobile application is perfect for you. It comes equipped with features like mobile payments, making it simple to pay for goods and services right from your phone. And if you ever need to send money to friends or family, you'll appreciate the option of person-to-person transfers.

Security and Ease of Use

Your security is our top priority. Our online banking system uses advanced security measures to protect your personal information while ensuring that accessing your account remains user-friendly. You can feel confident knowing that your data is safe with us. In a fast-paced world, convenience matters. With real-time account management through our online platform, keeping track of your finances has never been easier. Whether it's checking an account balance before making a purchase or reviewing spending habits, everything is just a few taps away. Experience the convenience of digital banking at Cu Hawaii today! Visit us online at https://www.cuhawaii.com/ and discover how easy managing your money can be.

Financial Strength

Building Trust Together

Our total share accounts stand at 58,863, showing a strong and growing member base that trusts us with their finances. This trust allows us to manage funds available for lending and investments effectively, with net shares amounting to $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cu Hawaii is your trusted partner. Visit us at 476 Hinano St Hilo Hi 96720 or call (808) 933-6700 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Dedicated Team

We take pride in having 88 full-time employees and 13 part-time employees who are always ready to assist you with a knowledgeable and committed approach.

Member-Centric Resources

We prioritize our members' needs above all else. Members' savings are secured through $50,001,026 in share certificates and $5,940,132 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, our approach ensures that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $46,093,398, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,157 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings and Lending Capacity

With $40,802,669 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $2,350 in used auto loans and $182,735,312 in total loans and leases, our lending capacity supports members' financial goals across various sectors. 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 $22,102,265 in used vehicle loans and $17,984,823 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a pre-owned one, we have flexible terms that can fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $8,054,867 provide the capital needed to grow and expand your business. Whether you're looking to invest in new equipment or cover operational costs, we have solutions tailored for small businesses.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,913,546, make buying or refinancing simple. We know that securing a mortgage can be daunting, but our team is here to guide you through each step of the process.

Refinancing Options

If you already have a loan but are looking for better rates or terms, refinancing options are available. We can help you explore eligibility and find ways to save on your existing payments. No matter what type of loan you need, our team at Cu Hawaii, located at 476 Hinano St Hilo Hi 96720, is dedicated to finding the right solution for you. You can reach us at (808) 933-6700 during our operating hours: Monday through Friday from 8:00 am - 5:00 pm and Saturday from 8:00 am - 12:00 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $3,947,468 in loans helping members manage their finances effectively. These cards provide the freedom to make purchases while enjoying competitive interest rates and rewards programs.

Loan Aggregator

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CU HAWAII FEDERAL CREDIT UNION