Hawaii Central Credit Union Honolulu HI | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to Hawaii Central, where community banking meets personalized service! Located at 681 S King St, Honolulu, HI 96813, our credit union has been a trusted financial partner since 1937. With over 16,429 members, we pride ourselves on fostering lasting relationships and providing tailored financial solutions that meet the unique needs of our local community. At Hawaii Central, we understand that every member's financial journey is different. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. As of now, our total assets stand strong at $300,316,617, with total deposits reaching $5,066,401. Our commitment to responsible lending is reflected in our total loans and leases amounting to 6,120. Our leadership team is dedicated to serving you with integrity and transparency. Under the guidance of CEO Drake Tanabe and Board President Neil Shimogawa, we strive to create a welcoming environment where your financial well-being is our top priority. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 681 S King St, Honolulu, HI 96813-3016. We invite you to contact us at (808) 536-3677 during our operating hours Monday through Thursday from 8:30 AM to 5:00 PM and Friday until 6:00 PM. Experience the difference with Hawaii Central Federal Credit Union today! Visit our website at hawaiicentral.org or stop by to discover how we can support your financial goals. Let's build a brighter future together!

Branch History & Mission

A Legacy of Service

Since opening our doors, Hawaii Central has been dedicated to empowering individuals and families through accessible financial services. Over the decades, we've adapted to meet the evolving needs of our members while maintaining our core mission: to provide reliable banking solutions that foster financial stability and community growth. Our headquarters in Honolulu serves as a hub for innovation and support, allowing us to invest in both technological advancements and personal service. Our branch offers a range of services designed to help you achieve your financial goals whether it's saving for a dream vacation or financing a new vehicle. We focus on personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking services. Our member-centric approach ensures that you receive not only excellent service but also personalized guidance tailored to your unique situation.

Community Commitment

At Hawaii Central, we believe that our success is tied closely to the well-being of our community. We actively participate in outreach programs aimed at supporting local initiatives and fostering economic development. Our partnerships with various organizations allow us to extend our reach beyond traditional banking services and make a meaningful impact on those we serve. While members can visit us at 681 S King St for all their banking needs, official correspondence should be sent to the same address listed above. We invite you to explore our offerings online at hawaiicentral.org or give us a call at (808) 536-3677.

Join Us Today!

As we look forward to the future, Hawaii Central remains committed to enhancing your financial experience with continued investment in digital services such as mobile payments and online banking. We understand that accessibility is key; therefore, we are proud to offer shared service center availability for added convenience. We invite you to join Hawaii Central Federal Credit Union today! Experience firsthand how we're more than just a credit union; we're your partner in financial success and community growth. Together, let's build a brighter future!

Branch Location & Accessibility

Easy Access and Parking

We understand that convenience matters when it comes to banking. Our branch offers ample parking for our members and complies with ADA accessibility standards, ensuring everyone can access our services comfortably. If you're visiting us during the week, you'll find our lobby hours welcoming: we are open Monday through Thursday from 8:30 a.m. to 5:00 p.m., and on Fridays until 6:00 p.m. Feel free to stop by during these hours; we look forward to seeing you!

Get in Touch

If you have any questions or need assistance, don't hesitate to call us at 808-536-3677. Our team is dedicated to providing exceptional service and is eager to assist you with all your banking needs. Come visit us today at Hawaii Central Federal Credit Union we're excited to be part of your financial journey!

Services We Offer

At Hawaii Central Federal Credit Union, we provide a variety of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, we've got you covered. While we currently do not have ATM services or drive-thru banking available at this location, our shared service center allows members from partner credit unions to perform basic transactions like deposits and withdrawals.

Member Eligibility

At Hawaii Central, we believe that becoming a member means joining a supportive community where your financial goals can flourish. If you live, work, or worship in the area around our branch at 681 S King St Honolulu Hi 96813, you're already on your way to membership! We welcome individuals and families who want to take charge of their financial future with us. To learn more about specific eligibility criteria, feel free to check out our detailed guidelines at https://hawaiicentral.org/join/ . Joining is easy! Once you're ready, simply visit us or start the account opening process online by heading over to https://loans.itsme247.com/304/home/start . If you have any questions or need assistance, don't hesitate to reach out at (808) 536-3677. We're here to help you every step of the way as you embark on this exciting journey with Hawaii Central!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $12 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,138,777, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced world, efficient payment processing is crucial for any business. Our merchant services provide real-world benefits that simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to online payment solutions, we offer the tools you need to serve your customers better. Visit us at 681 S King St Honolulu Hi 96813 in Honolulu, HI or call us at (808) 536-3677 to discover how our business banking services can empower your success!

Comprehensive List Of Services

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your growth. We understand the challenges of running a business and aim to provide financial solutions that work for you.

Conclusion

At Hawaii Central, we prioritize service and accessibility above all else. Our offerings are designed not just to meet but exceed your expectations while simplifying the way you handle money. Ready to explore how we can help you? Visit us at 681 S King St Honolulu Hi 96813, call us at (808) 536-3677, or check out our website at Hawaii Central Federal Credit Union for more information on how to get started today!

Credit Cards & Rewards

Reward yourself with our credit cards that offer points on everyday purchases. Whether it's for travel, groceries, or dining out, our credit cards with rewards ensure you're getting more from your spending.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking features. Manage your accounts anytime, anywhere with ease. From checking balances to transferring funds or paying bills, our digital tools put control right at your fingertips.

Personal Banking

We offer various personal banking options to make your everyday transactions simple and efficient. Our checking and savings accounts are designed for convenience, allowing you to manage your money effortlessly. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms that fit your budget. If you're considering buying a home, look no further than our mortgage loans and refinancing services. We guide you through the entire process, ensuring you find the best solution for your situation. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans and debt consolidation services can help lighten the load.

Shared Branch Transactions

We also collaborate with partner credit unions to extend our reach. Through basic shared branch transactions like deposits and withdrawals, members of other credit unions can access their funds conveniently at our location.

Digital & Online Banking

Key Services

With our online banking platform available at https://hawaiicentral.org/ , you can manage your accounts anytime, anywhere. Whether you're checking your balance, transferring funds, or paying bills, our 24/7 online banking services allow you to take control of your finances on your terms. Plus, with electronic signature authorization, signing documents has never been easier no need to print or fax! We also provide e-statements to help you keep track of your transactions without the clutter of paper. This feature not only keeps your information organized but also enhances security by minimizing the risk of sensitive documents being lost or stolen.

Mobile Banking Made Easy

For those who are always on the go, our mobile application makes banking even simpler. With features like mobile payments and person-to-person transfers, sending money to friends or family is just a tap away. You can easily pay for purchases directly from your phone or split bills with friends without the hassle of cash. At Hawaii Central, we prioritize security in all our digital services. Your personal information is protected with state-of-the-art encryption technology, giving you peace of mind while managing your finances online. In summary, whether you're using a computer or a smartphone, our digital banking solutions at Hawaii Central are designed for accessibility and ease of use. We're here to help you manage your money efficiently so you can focus on what truly matters in life!

Financial Strength

Growing Member Base

Total Share Accounts stand at 30,059, showing a strong and growing member base that trusts us with their finances. With net shares available for lending at $0, we remain committed to enhancing your banking experience. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hawaii Central is your trusted partner. Visit us at 681 S King St Honolulu Hi 96813 or call (808) 536-3677 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 35 full-time employees and 3 part-time employees who are dedicated to providing exceptional service.

Reinvestment for Growth

With $27,091,562 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $387 in used auto loans and $171,505,561 in total loans and leases.

Secure Savings Options

Members' savings are secured through $71,474,378 in share certificates and $14,758,050 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $15,191,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $28,063,945, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our commitment to maintaining a healthy balance sheet is reflected in our net worth ratio of $934, which demonstrates a solid capital foundation. This ensures 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 $6,056,709 in used vehicle loans and $5,819,651 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, our financing options are designed to make your purchase straightforward.

Business Loans

For business owners, our outstanding commercial loans totaling $1,138,777 provide the capital needed to grow and expand. We're here to support local businesses with tailored financing solutions that suit their specific needs. At Hawaii Central, we also provide refinancing options for existing loans, allowing you to potentially lower your monthly payments or access cash when you need it most. To learn more about eligibility requirements for our various loan products, please visit our website or give us a call at (808) 536-3677. 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 your options today and see how we can assist you in reaching your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $60,001,030, make buying or refinancing simple. We work closely with you to find the right mortgage product that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $3,521,085 in loans helping members manage their finances effectively. This option is perfect for those looking for a straightforward way to cover unexpected costs without dipping into savings.

Loan Aggregator

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HAWAII CENTRAL FEDERAL CREDIT UNION