Hfs Credit Union Kamuela HI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Hfs, your trusted financial partner located at 651158 Mamalahoa Hwy, Kamuela, HI 96743. Established in 1937, we have proudly served our community for over 85 years, helping our members achieve their financial goals. With a total membership of 53,684 and assets exceeding $901 million, we are dedicated to providing personalized services tailored to meet your needs. At Hfs, we understand that banking is not just about numbers; it's about building relationships. Our team of 122 employees, led by CEO Nathan Abe and Board President Gerald Takase, is here to ensure you feel valued and supported every step of the way. Whether you're looking for an auto loan, mortgage refinancing, or simply want to open a checking account, we're committed to making your experience smooth and rewarding. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 632 Kinoole St, Hilo, HI 96720. With total deposits amounting to $129 million and a net worth of $83.5 million, you can trust that your money is in safe hands with us. Our diverse offerings include personal loans, credit cards with rewards, business banking services, and convenient online and mobile banking options. Ready to take the next step? Give us a call at 808-930-1400 or explore more about our services on our website at hfsfcu.org. Join us today and discover how we can help you thrive financially!

Branch History & Mission

At Hfs, we take pride in our rich history and unwavering commitment to the community of Kamuela, HI. Established in 1937, our branch has grown from humble beginnings into a trusted financial partner for over 53,000 members. With total assets reaching an impressive $901,725,193, we have consistently provided valuable services while fostering a sense of belonging among our members. Located at 651158 Mamalahoa Hwy, Kamuela, HI 96743, our branch is conveniently situated near local landmarks that connect us to the vibrant community we serve. Our mission is simple yet powerful: to empower individuals and families through accessible financial services while actively supporting local initiatives and outreach programs. We believe that by helping our members achieve their financial goals, we can contribute to the overall well-being of our community. As we evolved over the years, we've embraced technology to enhance our services. Today, we offer online banking and mobile payment options that make managing finances easier than ever. Our operating hours are designed to accommodate busy schedules Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:30 PM. While members can visit us at our branch location for personalized assistance, official correspondence should be sent to our mailing address at 632 KINOOLE ST, HILO, HI 96720. Though we currently do not have ATM or drive-thru services available, our friendly staff is always ready to assist you with your banking needs. At Hfs, we are more than just a financial institution; we are a community-focused credit union dedicated to providing support and resources for everyone in Kamuela. Join us today and discover how being a member of Hfs can benefit you! For more information about membership eligibility or to open an account, please visit our website or call us at (808) 930-1400. Together, let's build a brighter financial future for our community!

Branch Location & Accessibility

Accessibility Features

We understand the importance of accessibility for all our members. Our branch is ADA-compliant, featuring ramps and other facilities that make banking easy for everyone. We want every member of our community to feel welcome and supported.

Convenient Location

Our Kamuela location is just a short drive from popular landmarks, making it easy for you to stop by. Whether you're heading home or running errands, visiting us is a breeze. We have ample parking available, ensuring that you won't have any trouble finding a spot when you arrive.

Get in Touch!

If you have questions or would like more information about our services, don't hesitate to reach out! You can call us at 808-930-1400. We look forward to welcoming you to the Hfs branch in Kamuela soon!

Operating Hours

We're here for you during convenient hours! Visit us Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:30 PM. Whether you need to discuss your personal banking needs or explore loan options, our friendly staff is ready to assist you.

Services Offered

At Hfs, we offer a range of services tailored to meet your financial goals. From personal banking like checking and savings accounts to auto loans and mortgage financing, we've got you covered. Additionally, our online and mobile banking options provide flexibility so you can manage your finances on-the-go. While members can visit us at 651158 Mamalahoa Hwy Kamuela Hi 96743, official correspondence should be sent to our mailing address at 632 KINOOLE ST, HILO, HI 96720.

Member Eligibility

Becoming a member of Hfs is more than just opening an account; it's about joining a community that cares for your financial well-being. At Hfs, located at 651158 Mamalahoa Hwy Kamuela Hi 96743, we welcome anyone who lives, works, or worships in our local area. If you have family members who are already members, you're also eligible to join! This inclusivity means that you can enjoy all the benefits of membership, from competitive rates on loans to personalized financial advice tailored just for you. The process to become a member is straightforward and welcoming. You can easily check the complete eligibility criteria by visiting our website at https://hfsfcu.org/membership-eligibility/. If you're ready to take the next step, opening an account is just as simple! You can find everything you need for that at https://secure.hfsfcu.org/hfsfcu/sdk/autoenrollmente2e. Should you have any questions, don't hesitate to give us a call at (808) 930-1400. We're excited to help you embark on your financial journey with us!

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 $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.

Merchant Services

In addition to loans, we offer comprehensive merchant services tailored for small businesses. This means you can easily accept payments from customers, manage transactions efficiently, and focus on what matters most growing your business. Think about how convenient it would be to streamline your payment processes while providing top-notch service to your clients. Located at 651158 Mamalahoa Hwy Kamuela Hi 96743 in Kamuela, HI, we are here to assist you. Contact us at (808) 930-1400 or visit our website for more information on how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options are here to help. We offer competitive rates that can make owning the vehicle of your dreams more accessible than ever. Picture yourself driving off in a new car with a loan tailored just for you, allowing you to focus on enjoying the journey ahead.

Business Banking

For entrepreneurs and business owners, we offer robust Business Banking solutions including merchant services and business loans tailored to fuel growth and success. Whether you're starting a new venture or expanding an existing one, our team is ready to assist with products designed specifically for businesses like yours.

Credit Cards with Rewards

With our Credit Cards featuring Rewards, every purchase brings you closer to exciting benefits. Enjoy cashback on everyday purchases or points that can be redeemed for travel and gifts. Using our credit card means that spending becomes rewarding literally!

Mortgage Loans & Refinancing

If home ownership is on your mind, our Mortgage Loans & Refinancing services can guide you through the process seamlessly. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, we provide personalized support every step of the way. You'll appreciate how simple it is to navigate the often-complicated world of mortgages with our expert assistance.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we prioritize Online & Mobile Banking services that allow you to manage all aspects of your finances from the palm of your hand. With features like person-to-person payments and mobile payments, banking with us means never missing a beat in managing your money. At Hfs, we believe in making banking easier and more accessible for everyone in our community. If you have questions or want to learn more about any of these services, don't hesitate to reach out! You can contact us at (808) 930-1400 or visit us during operating hours: Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:30 PM. Explore what we have to offer today by visiting us at Waimea Center Office!

Personal Banking

For individuals seeking reliable banking options, our Personal Banking services include checking and savings accounts designed for everyday use. Imagine having a checking account that not only helps you manage your daily expenses but also earns you interest on your savings. At Waimea Center Office, we make it easy for you to keep track of your finances through our intuitive online and mobile banking platforms. You can check balances, transfer funds, and pay bills anytime, anywhere.

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come in handy. These loans can provide quick access to cash when you need it most, whether it's for a major purchase or consolidating debt into one manageable payment. We aim to help lighten your financial load while keeping things straightforward and stress-free.

Digital & Online Banking

Key Features for You

Our 24/7 online banking services allow you to check your account balances, transfer funds, and pay bills whenever it suits you. Whether you're at home or on the go, our user-friendly interface ensures that everything is just a few clicks away. Want to send money to a friend? Our person-to-person transfers feature makes it simple and quick. You can easily split bills or send gifts without any hassle. Plus, if you're looking for ways to manage your statements, our e-statements make it easy to access your financial records securely from any device. No more paper clutter!

Mobile Banking Made Easy

With our mobile application, you can take your banking with you wherever life takes you. Enjoy features like mobile payments, allowing you to make purchases directly from your smartphone with ease. It's all about making transactions smooth and safe. While we currently don't support electronic signature authorization, rest assured that your information is protected with top-notch security measures. Your peace of mind is our priority. Join us at Hfs and discover how our digital banking solutions can enhance your financial journey. Experience the freedom of managing your finances on your terms!

Financial Strength

A Trusted Partner

Total Share and Deposit Accounts: 119,298, show a strong and growing member base that trusts us with their finances. 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 651158 Mamalahoa Hwy Kamuela Hi 96743 or call (808) 930-1400 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.

Investing in Your Future

Our commitment to member satisfaction is further illustrated by our $1,106,200 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures. With $4,003 in used auto loans and $415,336,517 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

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.

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.

Solid 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. We provide financing options for both new and used vehicles that are tailored to your specific situation.

Credit Lines

For those looking for additional flexibility in managing expenses or unexpected costs, our total credit lines amounting to $65,068,448 are available to help you stay on top of your finances.

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 are here to guide you through the process so you can feel confident every step of the way.

Refinancing Options

If you're interested in refinancing your current loans or checking eligibility options, we invite you to reach out. Our team is ready to assist you with personalized solutions that can lower your monthly payments or help you secure better terms. Whether you're in Kamuela at our branch located at 651158 Mamalahoa Hwy or calling us at 808-930-1400 during our operating hours (M-F 9:00 AM - 6:00 PM; SAT 9:00 AM - 1:30 PM), we're here to support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us online for more information about our services and how we can assist you further!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $19,640,746 in loans helping members manage their finances effectively. This is a great option for those who need quick access to funds without putting up collateral.

Loan Aggregator

Ensuring Accurate Comparisons

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Key Benefits of Using LendMesh

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