Hawaii Community Credit Union Kapaau HI | Affordable Auto Loans & ATM Services

Introduction

Welcome to Hawaii Community, your trusted partner in financial well-being, located at 54396 Union Mill Rd, Kapaau, HI 96755. Established in 1936, we have proudly served our community for over eight decades, building a solid reputation for trust and reliability. With a total membership of 44,984, our commitment to fostering financial growth and support is stronger than ever. At Hawaii Community, we understand that every member's journey is unique. That's why we offer a comprehensive range of services designed to meet your individual needs from checking and savings accounts to auto loans and credit cards with rewards. Our total assets stand at an impressive $727,060,190, reflecting the strength and stability that you can rely on. With $38,529,879 in total deposits and a net worth of $69,811,333, we are here to help you achieve your financial goals. Our dedicated team of 140 employees, led by CEO Tricia Buskirk and Board President Russell Komo, is ready to assist you with personalized service tailored just for you. We believe in giving back to the community that supports us; your success is our success. While members can visit us at our branch location, official correspondence should be sent to P O Box 39, Kapaau, HI 96755-0039. We invite you to reach out at 800-514-2328 during our lobby hours Monday through Thursday from 8:30 AM to 4:30 PM and Friday until 6:00 PM to learn more about how we can assist you. Join us on this journey towards financial empowerment! Visit us online at http://www.hicommfcu.com or stop by today. Your future starts here!

Branch History & Mission

Welcome to the Kohala Branch of Hawaii Community, where our rich history and mission to serve you are at the heart of everything we do. Established in 1936, our branch has been a cornerstone of the Kapaau community for decades. Located at 54396 Union Mill Rd, Kapaau, HI 96755, we have grown alongside our members, providing essential financial services that empower individuals and families. Over the years, we have expanded our offerings significantly. Today, with a total membership of 44,984 and assets exceeding $727 million, we pride ourselves on being a trusted partner in your financial journey. Our commitment goes beyond traditional banking; we are dedicated to fostering community well-being through various outreach initiatives and partnerships. At Hawaii Community, our mission is simple yet impactful: to enhance the financial lives of our members while supporting the communities in which we operate. We believe that by providing accessible banking solutions like personal accounts, auto loans, mortgages, and credit cards we can help you achieve your goals. We're not just about transactions; we're about relationships. Our branch operates from Monday through Thursday from 8:30 AM to 4:30 PM and Friday until 6:00 PM to accommodate your busy schedule. For your convenience, we offer ATM services right here at our location. While members can visit us at 54396 Union Mill Rd for all their banking needs, official correspondence should be sent to P O Box 39, Kapaau, HI 96755 if necessary. We understand that today's world requires flexibility and innovation. That's why we've embraced digital advancements like online banking and mobile applications to make managing your finances easier than ever. Our goal is to ensure that every member can access their accounts anytime, anywhere. As part of our commitment to inclusivity and support for all members of our community, we continue to provide education on financial wellness and resources for those in need. We know that helping you build a solid financial foundation leads not only to individual success but also strengthens our entire community. If you're looking for a credit union that truly cares about its members and their aspirations, look no further than Hawaii Community at the Kohala Branch. Join us today and discover how we can help you thrive financially while making a positive impact in Kapaau and beyond! Call us at 800-514-2328 or visit our website at www.hicommfcu.com for more information on becoming a member.

Branch Location & Accessibility

Easy Access and Nearby Landmarks

Getting to our Kohala Branch is a breeze! We're conveniently situated near local landmarks that make finding us easy. With ample parking available, you can stop by without worrying about where to leave your vehicle. Our branch is fully accessible, meeting ADA compliance standards so that everyone can enjoy our services comfortably.

Get In Touch!

Have questions or need assistance? Don't hesitate to give us a call at 800-514-2328. Our friendly staff is always ready to help you with your banking needs. We look forward to welcoming you soon at the Hawaii Community Kohala Branch!

Operating Hours and Services

We understand that your time is valuable. That's why our lobby hours are tailored to fit your busy schedule: we're open Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays until 6:00 PM. We invite you to come in and explore our wide range of services, including checking and savings accounts, auto loans, mortgage options, personal loans, credit cards with rewards, and business banking solutions. Plus, with ATM availability right here at the branch, you can easily manage cash withdrawals and balance checks. While members can visit us at 54396 Union Mill Rd, please note that official correspondence should be sent to P O Box 39, Kapaau, HI 96755-0039.

Member Eligibility

Joining the Hawaii Community family at Hawaii Community is a simple and welcoming process that opens the door to a world of financial support and opportunities. To become a member, you just need to meet certain eligibility requirements that focus on your connection to our community whether you live, work, or attend school in our service area. We believe everyone should have access to the benefits we offer, from low-interest loans to personalized banking services. For detailed eligibility criteria, feel free to check out our website at . Once you confirm that you qualify, opening an account with us is easy! You can visit us at our branch located at 54396 Union Mill Rd Kapaau Hi 96755, or give us a call at (800) 514-2328 for assistance. Our friendly team is here to help you every step of the way, ensuring your transition into membership is smooth and enjoyable. Join us today and experience the advantages of being part of a community-focused credit union!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine having a seamless way to accept payments from your customers. Our merchant services help you do just that, making transactions simple and efficient. Whether you're a retail shop or a service provider, you'll find that our solutions can enhance your cash flow and improve customer satisfaction. Located conveniently at 54396 Union Mill Rd Kapaau Hi 96755, Kapaau, HI 96755, we are here to serve you. For more information on how we can assist your business, give us a call at (800) 514-2328. Let's work together to achieve your goals!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $66 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,927,750, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll find our business banking services equally comprehensive. From merchant services that streamline payment processing to tailored business loans, we are here to support your growth. Our team understands the challenges faced by small businesses and is committed to helping you succeed.

Credit Cards & Rewards

Don't forget about our credit cards with rewards! These cards allow you to earn points on everyday purchases, making your spending work for you. Whether you're planning a vacation or just want to enjoy some cash back, we have the perfect card for you.

Digital Banking Features

In today's fast-paced world, managing your finances on-the-go is essential. That's why at Kohala Branch, we offer robust online and mobile banking solutions. Access your accounts anytime with features like ATM and cash withdrawal services, along with basic ATM access for balance checks. Plus, our online platform allows for easy transfers between accounts and person-to-person payments, putting you in control of your money.

Personal Banking Solutions

When it comes to personal banking, we offer a variety of options designed for convenience and accessibility. Start managing your finances with our checking and savings accounts, which are perfect for everyday transactions and long-term savings goals. If you're dreaming of a new car or need funds for an unexpected expense, our auto loans and vehicle financing can help make that dream a reality with competitive rates and flexible terms. For those looking to purchase a home, our mortgage loans and refinancing options provide the support you need to secure your ideal property or lower your current payments. We also offer personal loans and debt consolidation services to help simplify your finances and reduce monthly payments.

Visit Us Today!

We invite you to visit us at our branch located at 54396 Union Mill Rd Kapaau Hi 96755 in Kapaau, HI. Have questions? Feel free to call us at (800) 514-2328 during our operating hours: Monday through Thursday from 8:30 am to 4:30 pm and Friday until 6:00 pm. Our knowledgeable staff is eager to assist you in finding the right financial solutions that fit your lifestyle. At Hawaii Community, we believe in building lasting relationships with our members through service excellence. Explore all that we have to offer today!

Digital & Online Banking

Always Available

At Hawaii Community, we understand that life doesn't stop after hours. That's why we provide 24/7 online banking services so that you can access your accounts whenever you need them. Whether it's paying bills late at night or checking balances early in the morning, we've got you covered. Join us at Hawaii Community today and experience the ease of modern banking tailored just for you!

Key Features

One of the standout features of our online services is the option for electronic signature authorization. This means that you can sign documents securely without needing to visit a branch in person. Plus, if you like to keep track of your financial statements digitally, we offer e-statements as well. You'll receive your statements directly in your inbox no more waiting for paper copies! For those who want to send money quickly and easily, our person-to-person transfer feature allows you to send funds directly to friends or family with just a few taps on your screen. And if you're out shopping, don't forget about our mobile payments feature, which makes it easy to pay with just a wave of your phone though please note this service is currently not available.

Financial Strength

Commitment to Innovation

With $52,767,745 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment ensures that you receive the best possible service as you navigate your financial journey.

Growing Member Base

We are thrilled to support a growing community of trust among our members, evidenced by the fact that we have achieved a total of 84,252 share accounts. This reflects the confidence our members place in us as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hawaii Community is your trusted partner. Visit us at 54396 Union Mill Rd Kapaau Hi 96755 or call (800) 514-2328 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports your financial goals across various sectors with $2,674 in used auto loans and $420,044,952 in total loans and leases. This enables us to provide flexible solutions tailored to your needs.

Member Savings and Growth

Your savings are secure with us. We have $117,656,908 in share certificates and $99,682,207 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 ability to generate income is reflected in our $1,880,402, showcasing our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 119 full-time employees and 21 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 $69,811,333, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $960 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 $27,413,185 in used vehicle loans and $21,937,142 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates tailored to your specific needs. Whether you're buying a brand-new model or a reliable used vehicle, our team is ready to assist you through the entire process.

Business Loans

For business owners, our outstanding commercial loans totaling $5,927,750 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to invest in your existing business, our loan options are structured to support your ambitions. At Hawaii Community located at 54396 Union Mill Rd Kapaau HI 96755, we're dedicated to helping you navigate your financial needs with confidence. Our knowledgeable staff is available at 800-514-2328 during our lobby hours from Monday through Thursday 8:30 am to 4:30 pm and Friday 8:30 am to 6:00 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. Explore how our loan offerings can fit into your financial plans today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $36,364,174, ensuring that you have access to the financing you need for your dream home. Our mortgage specialists can guide you through eligibility requirements and refinancing options to ensure a smooth experience.

Unsecured Credit Cards

Managing finances effectively is crucial for everyone. We also offer flexible terms on unsecured credit card loans, with a total of $12,210,736 in loans available to our members. These cards can help you handle everyday expenses while providing rewards that benefit your financial journey.

Loan Aggregator

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Ensuring Accurate Comparisons

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HAWAII COMMUNITY FEDERAL CREDIT UNION - Kapaau, HI