Hfs Credit Union Hilo HI | Best Auto Loans & Personal Banking

Introduction

Welcome to Hfs, your trusted financial partner located at 111 E Puainako St, Hilo, HI 96720. Since our establishment in 1937, we've been dedicated to serving the community with a personal touch and a commitment to excellence. With a strong membership base of 53,684 individuals, we pride ourselves on being more than just a credit union; we're a part of your neighborhood. At Hfs, we understand that financial decisions can be daunting. That's why we offer a variety of services designed to meet your needs, whether it's personal banking, auto loans, or business financing. Our total assets stand robustly at $901,725,193, with total deposits reaching $129,536,190. We believe that every member deserves a secure and supportive environment for their finances. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 632 KINOOLE ST, HILO, HI 96720. Our leadership team is here to guide you every step of the way. Under the guidance of CEO Nathan Abe and Board President Gerald Takase, we strive to foster an atmosphere of trust and transparency. With a dedicated staff of 122 employees, we are always ready to assist you with personalized service. Explore our online resources at hfsfcu.org where you can find more about our offerings or even start your membership journey today! Whether you're looking for assistance with loans totaling over 26,193 or simply seeking advice on managing your finances better, we're here for you. Join us at Hfs and experience banking that truly cares about your success. For any inquiries or assistance, feel free to call us at 808-930-1400 during our operating hours: Monday to Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:30 PM. Your financial wellness is our priority!

Branch History & Mission

Community Impact and Support

Our commitment extends beyond traditional banking. Hfs actively engages in partnerships and community outreach efforts that foster local development and support various initiatives. We take pride in being an integral part of Hilo's fabric by participating in events and programs that benefit residents and businesses alike. With convenient operating hours from Monday to Friday (9:00 AM - 6:00 PM) and Saturday (9:00 AM - 1:30 PM), we are here to serve you when you need us most. Although we currently do not offer ATM or drive-thru services, our dedicated staff is always ready to assist you with any financial inquiries or services you may require.

Join Us Today

We invite you to become part of the Hfs family and experience firsthand the benefits of membership. Whether you're looking for personal banking solutions or business services, we are here to help you achieve your financial goals. Discover how we can make a difference in your life by visiting us at our branch or exploring more about us online at hfsfcu.org. Together, let's build a brighter financial future!

Our Journey

Over the decades, Hfs has seen significant growth and transformation. With total assets reaching an impressive $901,725,193, we have continually expanded our services to meet the changing demands of our members. Our journey is marked by key milestones that reflect our commitment to community support and financial empowerment. As we evolved from a small institution into a robust credit union, we have stayed true to our mission: to provide exceptional financial services while enhancing the well-being of our members and the communities we serve.

Our Mission

At Hfs, we believe that everyone deserves access to reliable financial services. Our mission is not just about offering products like checking accounts, auto loans, or credit cards; it's about building lasting relationships with our members. We strive to empower individuals by providing them with the tools they need for financial success. Whether it's through personalized loan options or educational resources on managing finances, our goal is to uplift each member of our community. While members can visit us at 111 E Puainako St Hilo Hi 96720, official correspondence should be sent to 632 KINOOLE ST, HILO, HI 96720.

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility is important for our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces, ensuring everyone can visit us comfortably. Parking is available right outside our doors, making it easy for you to drop in whenever you need assistance.

Get in Touch

If you have any questions or would like more information about our services, don't hesitate to give us a call at 808-930-1400. We'd love to hear from you! Come visit us today at the Prince Kuhio Plaza Office and discover how we can support your financial journey.

Operating Hours

Our team is ready to serve you during convenient hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:30 PM. Whether you need help with personal banking or are interested in exploring our loan options, we're here when you need us.

Services Offered

At Hfs, we pride ourselves on offering a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, with online and mobile banking options available, managing your money has never been easier!

Member Eligibility

At Hfs, we believe that everyone deserves a place in our supportive community. If you're looking to join, you'll be glad to know that membership is open to a variety of individuals! Whether you live, work, or attend school in the area, or have family members who are already part of our credit union, you're likely eligible. It's all about creating connections and building a financial family together. For more specific details on who can become a member, feel free to check out our eligibility criteria at https://hfsfcu.org/membership-eligibility/ . Becoming a member at Hfs means gaining access to personalized financial services tailored just for you. We offer everything from checking and savings accounts to auto loans and credit cards with rewards, ensuring that you have the tools you need for your financial journey. The process of opening an account is simple and straightforward; just visit us at our branch located at 111 E Puainako St Hilo Hi 96720, or give us a call at (808) 930-1400 if you have any questions. You can also start your account opening online by visiting https://secure.hfsfcu.org/hfsfcu/sdk/autoenrollmente2e . Join us today and discover the benefits of being part of the Hfs family!

Business Banking & Commercial Services

Merchant Services That Work

In today's fast-paced market, having reliable merchant services can set your business apart. Imagine quickly processing payments while providing your customers with an exceptional experience. Our merchant services offer secure payment solutions that enable you to focus on what you do best growing your business. Visit us at 111 E Puainako St Hilo Hi 96720 or call us at (808) 930-1400 to learn how we can partner with you on your journey to success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $535,118, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Planning to buy a new car? Our Auto Loans & Vehicle Financing options offer competitive rates and flexible terms, making it easier for you to drive away in the vehicle you want. Many of our members have benefited from our financing solutions when purchasing their dream cars, allowing them to enjoy the open road without breaking the bank.

Business Banking Services

For entrepreneurs and small business owners, we offer robust Business Banking services including Merchant Services and Business Loans. We know running a business requires financial support tailored specifically for its needs. Many local businesses have turned to us for assistance in growing their ventures with confidence.

Credit Cards with Rewards

Want to earn rewards on your everyday purchases? Our Credit Cards with Rewards allow you to do just that! Enjoy perks while spending on things you already buy it's a great way for many of our members to save more over time.

Mortgage Loans & Refinancing

For those ready to invest in a home, our Mortgage Loans & Refinancing services provide various choices tailored to fit different budgets and lifestyles. We understand that buying a home is one of the biggest decisions you'll make, which is why we're here to guide you through every step of the process. From first-time buyers to those looking to refinance, we ensure that your journey is as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking features allow you to manage your finances anytime, anywhere. From checking balances and transferring funds to paying bills right from your smartphone, our digital tools make banking hassle-free. We invite you to explore all that Hfs has to offer at Prince Kuhio Plaza Office. If you have questions about any of our services or need personalized assistance, don't hesitate to reach out at (808) 930-1400 during our operating hours: M-F 9:00 AM - 6:00 PM and SAT 9:00 AM - 1:30 PM. Join us today and experience how we can help achieve your financial goals!

Personal Banking Solutions

When it comes to managing your day-to-day finances, our Personal Banking services are designed with you in mind. Whether you're looking for a reliable checking account to handle daily transactions or a savings account that helps you grow your funds, we've got you covered. Our members often find themselves needing quick access to cash or saving for future goals, and our personal banking options make this easy and straightforward.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. If you're facing medical bills, home repairs, or other large costs, these loans can provide immediate relief while also helping you consolidate existing debts into manageable payments.

Digital & Online Banking

Key Features

Our mobile application makes banking even more accessible. With just a few taps on your smartphone, you can enjoy features like person-to-person transfers, allowing you to send money to friends and family quickly. You can also take advantage of mobile payments to make purchases hassle-free. If you're interested in keeping track of your statements, we offer e-statements for easy access to your financial information without the clutter of paper. And don't worry about security; our online banking is equipped with robust measures to keep your data safe. While we currently do not offer electronic signature authorization, our focus remains on providing a user-friendly experience that allows you to manage your accounts efficiently. From checking balances to making payments, everything is at your fingertips. At Hfs, we're committed to making banking simple and straightforward for our members. Experience the ease of managing your finances digitally today!

Financial Strength

Commitment to Growth

With $1,106,200 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 members' financial goals across various sectors with $4,003 in used auto loans and $415,336,517 in total loans and leases.

Growing Member Trust

Total Share and Deposit Accounts stand at 119,298, showing a strong and growing member base that trusts us with their finances. This trust empowers us to continually enhance our offerings and remain a reliable partner for your financial journey. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Hfs is your trusted partner. Visit us at 111 E Puainako St Hilo Hi 96720 or call (808) 930-1400 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling 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 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $196,979,095 in share certificates and $117,554,753 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $60,143, 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 $83,565,224, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $926 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 $47,007,235 in used vehicle loans and $38,398,472 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options tailored to fit your needs.

Business Financing

For business owners, our outstanding commercial loans totaling $535,118 provide the capital needed to grow and expand your business. We understand the unique challenges entrepreneurs face, and we're committed to offering solutions that work for you.

Credit Lines

Our total credit lines amounting to $65,068,448 are designed to provide additional flexibility in managing your finances. Whether you need funds for emergencies or unexpected expenses, our credit lines can be a reliable option. At Hfs, we pride ourselves on offering competitive rates and personalized service. If you're interested in refinancing or would like to learn more about eligibility options, please reach out to us at (808) 930-1400 or visit us during our operating hours: M-F 9:00 AM - 6:00 PM and SAT 9:00 AM - 1:30 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 navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $31,937,845, make buying or refinancing simple. We provide support throughout the mortgage process, ensuring you have all the information needed to make an informed decision.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible terms on unsecured credit card loans. With a total of $19,640,746 in loans, we help our members manage their finances effectively without the burden of high-interest rates.

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. With the increasing number of lending options available, having a reliable tool like LendMesh can save you time and money. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to using verified information means you receive fair and transparent offers without the noise of misleading claims. One of the standout features of LendMesh is its Verified Data. All loan offers come from legitimate financial institutions, which helps maintain transparency throughout your search. Additionally, LendMesh operates without Sponsored Listings; lenders are not prioritized based on paid promotions, ensuring that you get unbiased results when comparing loans. The platform also provides Real-Time Rate Comparisons, giving you up-to-date loan rates from multiple institutions, enabling informed decision-making for your financial needs. 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 testimonial highlights how effectively LendMesh can streamline the often complex loan process. 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.*

HFS FEDERAL CREDIT UNION - Hilo, HI