Hamakua Credit Union Pepeekeo HI | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Hamakua, your trusted partner in financial growth and community support! Located at 28490 Kaakepa Street, Pepeekeo, HI 96783, our main office has been serving members since 1937. With a strong commitment to our local community, we pride ourselves on fostering lasting relationships with our members and providing personalized service tailored to their unique financial needs. At Hamakua, we understand that each member's journey is different. Our membership has grown to over 1,734 individuals who benefit from our wide range of services, including personal banking, auto loans, mortgages, credit cards, and business banking solutions. We have amassed total assets of $19,165,466, ensuring that we are well-equipped to meet your financial goals. Our dedicated team of 6 employees, led by CEO Kelly Gibo and Board President Renee Schoen, is here to guide you every step of the way. Whether you're looking to secure a loan or open a new account, our friendly staff is always ready to assist you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to P.O. Box 848, Pepeekeo, HI 96783. With total deposits amounting to $782,103 and cash in hand at $136,344, we are committed to maintaining a solid foundation for our operations and ensuring the security of your funds. Our impressive record includes processing over 1,120 loans and leases, demonstrating our ability to support you in achieving your financial aspirations. We invite you to explore what Hamakua has to offer! Visit us during our operating hours Monday through Thursday from 8:30 AM to 4:30 PM and Fridays from 9:00 AM to 5:00 PM or give us a call at 808-964-5566. Let's work together toward a prosperous future!

Branch History & Mission

Join Us

We invite you to join Hamakua today! Experience a credit union that prioritizes your needs while fostering a sense of community. Together, let's build a brighter financial future for all in Pepeekeo and beyond. Feel free to reach out by phone at (808) 964-5566 or visit us in person we can't wait to welcome you!

Our Journey

From the start, Hamakua was built on a simple yet powerful idea: to empower our community through accessible financial services. We have always aimed to create a welcoming space where everyone feels valued and supported. Over the decades, we've expanded our offerings to include personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Each step of our journey reflects our commitment to meeting the diverse needs of our members. Our total assets currently stand at an impressive $19,165,466, showcasing our growth and stability as a credit union. This achievement allows us to continue providing valuable services while ensuring that we remain financially sound for years to come.

Our Mission

At the core of Hamakua's mission is the belief that everyone deserves access to quality financial services. We are dedicated to helping our members achieve their financial goals while also giving back to the community. Whether it's through educational programs or outreach initiatives, we strive to make a positive impact beyond just banking. While members can visit us at 28490 Kaakepa Street Pepeekeo Hi 96783, official correspondence should be sent to P.O. Box 848, Pepeekeo, HI 96783 if needed. We invite you to experience our friendly service firsthand during our operating hours: Monday to Thursday from 8:30 AM to 4:30 PM and Friday from 9:00 AM to 5:00 PM. As we look forward to what lies ahead, we remain committed to embracing digital advancements that enhance your banking experience. From online banking and mobile payments to e-statements and personal loans through partnerships like Lendmesh (learn more here), we're here for you in every way possible.

Branch Location & Accessibility

Accessibility Features

At Hamakua, we prioritize accessibility for all our members. Our branch is ADA compliant and features ramps to ensure everyone can visit us comfortably. There's ample parking available right outside, so you won't have to worry about finding a spot when you arrive.

Operating Hours

We understand that life gets busy, which is why we offer flexible banking hours designed to fit your schedule. You can visit us Monday through Thursday from 8:30 AM to 4:30 PM, and on Friday from 9:00 AM to 5:00 PM. Our friendly staff is ready to assist you during these times with any questions or services you may need.

Services Offered

Hamakua provides a range of services that cater to both personal and business banking needs. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or credit cards with rewards our team is here to help! Although we do not currently offer ATM services or drive-thru banking, our in-branch experience is designed to be efficient and welcoming. For any inquiries or assistance, feel free to call us at 808-964-5566. We invite you to come by and discover how Hamakua can support your financial journey!

Member Eligibility

At Hamakua, we believe that everyone deserves a chance to be part of a supportive and thriving community. Joining us as a member is simple and welcoming. If you live, work, worship, or attend school in our local area, you may be eligible for membership! We invite you to reach out and learn more about the specific criteria that apply to you by visiting our eligibility page at . Becoming a member not only opens the door to various financial services but also connects you with resources tailored to help you achieve your financial goals. Whether you're looking for personal banking options, auto loans, or even business banking solutions, we're here for you every step of the way. For more information on how to open an account and start your journey with us, don't hesitate to give us a call at (808) 964-5566 or check out our account opening details online. Your path to membership at Hamakua, located at 28490 Kaakepa Street Pepeekeo Hi 96783, starts today!

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine running your business smoothly while accepting payments effortlessly. Our merchant services provide just that making transactions easy for both you and your customers. From mobile payments to online banking, we offer solutions that fit the way you do business today. Located at 28490 Kaakepa Street Pepeekeo Hi 96783, Pepeekeo, HI 96783, our team is ready to partner with you on this journey. Call us at (808) 964-5566 to learn more about how we can support your business today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs available at our branch, rest assured that cash withdrawal services are still easy through various partner networks. Our team is always available at (808) 964-5566 to assist you with any questions regarding accessing cash or other account-related inquiries. At Hamakua, we believe banking should empower you. With personalized service and a commitment to understanding your financial journey, we're more than just a credit union we're your partner in financial success. Visit us today at 28490 Kaakepa Street Pepeekeo Hi 96783 or call us at (808) 964-5566 to learn more about how we can help you achieve your goals!

Business Banking Solutions

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're here to support your ambitions with tailored financial products that fit your needs.

Credit Cards with Rewards

Don't forget about our credit cards with rewards! They offer not just purchasing power but also benefits that can add value to your everyday spending. Imagine earning points every time you shop those rewards can turn into travel perks or discounts on future purchases!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize online and mobile banking at Main Office. Access your accounts from anywhere using our mobile application or online platform. You can check balances, transfer funds, and even make person-to-person payments with ease perfect for those busy days when you're on the go!

Personal Banking Services

Our personal banking services include checking and savings accounts designed for every lifestyle. Whether you're looking for a simple way to manage your everyday expenses or wanting to save for future goals, we've got options that work for you. For those considering a new vehicle, our auto loans and vehicle financing solutions can help you get behind the wheel without breaking the bank. If buying a home is on your radar, explore our mortgage loans and refinancing options. We aim to make the mortgage process as straightforward as possible so you can focus on what truly matters making memories in your new home. Additionally, our personal loans and debt consolidation services provide flexibility when unexpected expenses arise or when you want to streamline your finances.

Digital & Online Banking

Accessibility and Security

Your security is our top priority. We provide a safe environment for all your online activities. Even though we don't offer electronic signature authorization at this time, you can rest assured that we are committed to protecting your information. For those who prefer paperless options, we offer E-Statements so you can keep track of your finances without clutter. It's an eco-friendly choice that keeps your information secure and accessible whenever you need it.

Key Services

With our 24/7 Online Banking Services, you can access your accounts anytime, anywhere. Whether you want to check your balance, transfer funds, or pay bills, everything is just a few clicks away. Explore our online banking platform at for a user-friendly experience tailored to your needs. Need to send money quickly? Our Person-to-Person Transfers feature allows you to easily send funds to friends or family without any hassle. Plus, with our Mobile Payments Feature, you can make payments using your smartphone, making transactions as simple as tapping your device.

Stay Connected

Don't forget about our convenient Mobile Application! Download it today to manage your accounts right from your smartphone. It's packed with features that let you take control of your finances in real-time. At Hamakua, we're dedicated to making banking easy and accessible for everyone. Experience the benefits of digital banking today!

Financial Strength

Dedicated Team

We also take pride in having 5 full-time employees and 1 part-time employees. Our dedicated team is always ready to serve you with knowledge and commitment, ensuring you receive personalized attention whenever needed.

Efficient Operations

While our $0 reflects operational efficiency, it also allows us to continue offering competitive loan rates and solid financial products for our members. We strive to manage our resources wisely so that you receive the best possible services.

Focused on You

Unlike traditional banks, we prioritize our members. With non-member deposits at $191,271, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks designed just for you.

Growing Membership Base

Total Share Accounts: 2,825, showing a strong and growing member base that trusts us with their finances. Your trust fuels our mission to provide exceptional service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hamakua is your trusted partner. Visit us at 28490 Kaakepa Street Pepeekeo Hi 96783 or call (808) 964-5566 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors. With $130 in used auto loans and a total of $9,344,399 in loans and leases available, we're here to help you achieve your dreams whether it's buying a car or managing personal finances.

Member-Centric Savings

Members' savings are secured through $665,674 in share certificates, offering stable and rewarding financial growth opportunities. Although our money market shares currently stand at $0, we prioritize providing various options for your savings needs.

Reinvestment for Growth

With $2,114,560 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This ongoing investment helps us adapt to your changing needs.

Solid Capital Foundation

Our net worth ratio of $1,509 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This means you can rely on us when it matters most.

Strong Net Worth

With a net worth of $2,893,344, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust foundation is crucial for ensuring that we can continue to meet your needs now and in the future.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,306,388 in used vehicle loans and $2,488,422 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have flexible terms tailored for you.

Credit Lines

For those seeking ongoing access to funds, our credit lines totaling $1,518,000 can provide peace of mind for any situation that arises. This option allows you to borrow what you need when you need it.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,222,051, make buying or refinancing simple. We aim to guide you through the process with competitive rates and personalized service.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, our team is ready to assist you every step of the way. We'll help you find the best solutions tailored specifically for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For any inquiries or assistance with our loan offerings at Hamakua located at 28490 Kaakepa Street Pepeekeo HI 96783, feel free to call us at 808-964-5566. We're here to support your journey toward achieving your financial aspirations!

Unsecured Credit Card Loans

Managing day-to-day expenses or unexpected costs? We also offer flexible terms on unsecured credit card loans, with a total of $417,540 in loans helping members manage their finances effectively. This option provides the financial flexibility you need without collateral requirements.

Loan Aggregator

Ensuring 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 ). This means that every offer you see is not only accurate but also fair and transparent. By leveraging verified data from legitimate financial institutions, LendMesh guarantees that users receive reliable information every time they search for loans.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from reputable financial institutions, ensuring transparency in the comparison process. - No Sponsored Listings: Unlike other platforms, LendMesh does not prioritize lenders based on paid promotions. The goal is to provide completely unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates gathered from multiple institutions, allowing for better decision-making. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective the platform can be in helping individuals secure better financing options. Take control of your financial future today. Compare real-time loan offers at LendMesh and find the best rates tailored to 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.*

HAMAKUA FEDERAL CREDIT UNION