ILWU Credit Union Honolulu HI | Affordable Auto Loans & Business Banking

Introduction

Welcome to I.l.w.u., your trusted financial partner located at 680 Iwilei Rd, Honolulu, HI 96817. Established in 1972, our credit union has been dedicated to serving the community with integrity and commitment for over 50 years. With a strong membership base of 27,318 individuals, we pride ourselves on being more than just a financial institution; we are a supportive community that believes in helping our members achieve their financial goals. At I.l.w.u., we manage total assets of $517,284,899 and have provided loans totaling 16,586 to our members. Our focus on responsible lending means we also maintain total deposits of $27,040,864, ensuring that we are well-positioned to support our community's needs. Our net worth stands strong at $44,661,158, reflecting our stability and ability to serve you effectively. We understand the importance of personal touch in banking. That's why our team of 70 dedicated employees is led by CEO Ralph Ruiz and Board President Peter Ciaramitaro, who are committed to fostering a friendly and welcoming environment for all members. Whether you're looking for checking and savings accounts, auto loans, or business banking solutions, we have tailored services designed just for you. While you can visit us at our branch location for personalized service during our operating hours from 8:30 AM to 4 PM on weekdays, official correspondence should be sent to the same address: 680 Iwilei Rd, Honolulu, HI 96817-5388. Explore what I.l.w.u. has to offer today! Feel free to reach out via phone at 808-824-3440 or visit us online at ilwucu.org. We're here to help you every step of the way!

Branch History & Mission

Community Focus

Our commitment extends beyond mere financial transactions; it encompasses a genuine desire to uplift the community. We actively engage in partnerships with local organizations and participate in outreach programs aimed at fostering economic development and supporting those in need. Through these initiatives, we strive to make a lasting impact on the lives of those around us. We invite you to join us at I.l.w.u. Experience the difference that comes with being part of a credit union that puts people first. Together, let's build a brighter financial future for you and your family! For more information about membership and services, feel free to contact us at (808) 824-3440 or visit our website at ilwucu.org.

Our Mission

At I.l.w.u., our mission is simple yet profound: we aim to enrich the lives of our members by offering a variety of financial products and services tailored to their unique needs. We believe in fostering financial literacy and stability within our community. Whether it's helping you secure an auto loan or providing personalized banking solutions, we are here to guide you every step of the way. While members can visit us at 680 Iwilei Rd Honolulu Hi 96817, official correspondence should be sent to 680 Iwilei Rd, Honolulu, HI 96817-5388. Our dedicated team is available during regular operating hours from 8:30 AM to 4 PM, Monday through Friday. Although we currently do not have ATM or drive-thru services available, we offer a wide array of online and mobile banking options designed for your convenience.

Branch Location & Accessibility

Branch Features

At I.l.w.u., we prioritize your comfort and accessibility. Our branch features ADA-compliant facilities, ensuring everyone can navigate our space with ease. While we don't offer drive-thru services or ATMs on-site, our team is always ready to assist you inside during our operating hours from 8:30 AM to 4 PM, Monday through Friday. If you need to send any official correspondence, please note that while you can visit us at 680 Iwilei Rd, all mail should be directed to our mailing address: 680 Iwilei Rd, Honolulu, HI 96817-5388.

Connect With Us

Feel free to reach out at (808) 824-3440 if you have any questions or need assistance before your visit. We invite you to come by and see how I.l.w.u. can support your financial journey. Join us at our Honolulu branch we can't wait to welcome you!

Services Offered

Our dedicated staff is here to help you with a range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, seeking auto loans or mortgages, or interested in business banking solutions, we've got you covered. You can also enjoy online and mobile banking for added convenience.

Member Eligibility

At I.l.w.u., we believe that everyone deserves a chance to be part of a supportive community. If you're looking to join us, becoming a member is simple and welcoming! Our eligibility criteria are designed to include individuals from various backgrounds, so whether you're an employee of one of our partner organizations or reside in the local area, you might already qualify. For specific details about who can join, feel free to explore our eligibility page at http://www.ilwucu.org/membership . Once you're ready to open an account, the process is just as straightforward. You can get started by visiting our account opening page at http://www.ilwucu.org/loans/apply or by giving us a call at (808) 824-3440. We're located at 680 Iwilei Rd Honolulu Hi 96817, and our friendly team is always here to assist you with any questions you may have about joining I.l.w.u.. We look forward to welcoming you into our family!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 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 $56,965, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

When it comes to managing transactions, our merchant services simplify everyday operations. Imagine being able to accept payments seamlessly, whether online or in-store. This means you can focus on what really matters growing your business and serving your customers better. Located at 680 Iwilei Rd Honolulu Hi 96817 in Honolulu, HI, we invite you to discover how our tailored solutions can help elevate your business today! For more information, call us at (808) 824-3440.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our Auto Loans & Vehicle Financing options provide competitive rates that make driving off in your dream car a reality. With personalized service, we guide you through the loan process, ensuring it's as smooth as possible.

Business Banking

For our members who own businesses, we provide comprehensive Business Banking solutions including merchant services and business loans. We're dedicated to supporting local entrepreneurs with the resources they need to thrive.

Cash Withdrawal Services

Although we currently do not have ATM availability at this branch, we still ensure you can easily access cash through our cash withdrawal services during lobby hours from 8:30 AM to 4 PM on weekdays. At I.l.w.u., member satisfaction is at the heart of what we do. Our friendly staff is always ready to assist you with any questions or concerns you may have about our services. Ready to take the next step? Reach out to us at (808) 824-3440, or visit us online at Hawaii to explore all that we offer. Your financial journey starts here!

Credit Cards

To help you build credit while enjoying rewards, we offer Credit Cards with Rewards. Use them for everyday purchases and watch those rewards add up!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking features. With capabilities such as electronic signatures, e-statements, mobile payments, and person-to-person transfers, managing your finances has never been easier.

Mortgage Solutions

If you're considering buying a home or refinancing your existing mortgage, our Mortgage Loans & Refinancing services are tailored just for you. We know how important it is to find the right mortgage solution, so our team works closely with you to find terms that suit your budget and financial goals.

Personal Banking

For everyday banking, our Personal Banking services include checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds through online and mobile banking, allowing you to check balances, transfer money, or pay bills right from your smartphone. We also understand that life can throw unexpected expenses your way. That's why our Personal Loans & Debt Consolidation options are here to help you regain control over your finances.

Digital & Online Banking

Accessibility and Ease of Use

At I.l.w.u., we pride ourselves on making banking accessible and user-friendly. Our online platform is designed for everyone, so whether you're tech-savvy or just getting started, you'll find it easy to navigate. Managing your money has never been simpler or more secure! Experience the convenience of modern banking with us today! Visit https://www.ilwucu.org/ to learn more about all the digital services we offer and start taking advantage of these features now!

Key Features

Security is a top priority at I.l.w.u.. We offer electronic signature authorization, allowing you to sign documents securely without needing to visit a branch. This feature not only speeds up the process but also keeps your information safe. We also provide e-statements for those who want to go paperless. With e-statements, you'll receive your account statements via email, making it easier to keep track of your finances while contributing to a greener planet. Need to send money quickly? Our person-to-person transfer feature allows you to send funds directly to friends or family in just moments. And if you're out shopping, our mobile payments feature lets you make purchases directly from your phone no wallet needed!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 56,560, showing a strong and growing member base that trusts us with their finances. This trust is essential as we work together toward achieving your financial aspirations. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, I.l.w.u. is your trusted partner. Visit us at 680 Iwilei Rd Honolulu Hi 96817 or call (808) 824-3440 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.*

Commitment to Your Savings

Members' savings are secured through $162,346,225 in share certificates and $59,783,719 in money market shares, offering stable and rewarding financial growth opportunities. This focus on securing your funds means you can save confidently while enjoying the benefits of being part of our credit union.

Investing Back into Our Community

With $38,804,085 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our ability to support community initiatives reflects our dedication to making a positive impact where it matters most.

Our Solid Financial Health

With a net worth of $44,661,158, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $893 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Prioritizing Members Over Non-Members

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. This approach underscores our commitment to serving our members' best interests first.

Supporting Your Financial Goals

With $3,499 in used auto loans and $362,837,355 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether you're looking to buy a car or need funds for other important purchases, we're here to help. Our operational efficiency is reflected in our $3,096,851, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 70 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $61,123,697 in used vehicle loans and $66,634,806 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, we have options tailored just for you.

Business Loans

For business owners, our outstanding commercial loans totaling $56,965 provide the capital needed to grow and expand. We understand the importance of having access to funds when opportunities arise, and we're here to support your ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $58,801,018, make buying or refinancing simple. Our team is here to guide you through the process and find the best solution for your unique situation.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, ask us about our refinancing options. We can help you explore eligibility criteria and find solutions that work best for your financial situation. At I.l.w.u., located at 680 Iwilei Rd Honolulu Hi 96817, Honolulu, HI 96,817, we are committed to providing personalized service to each member. For more information or to apply for any of our loan products, please call us at (808) 824-3440. 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 we can assist you today!

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $20,414,850 in loans helping members manage their finances effectively, our credit cards provide peace of mind when unexpected costs arise.

Loan Aggregator

Ensuring Accurate Loan 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 commitment ensures that users receive fair and transparent offers. By working with established financial institutions, LendMesh guarantees that all loan offers are legitimate and trustworthy.

Key Benefits of Using LendMesh

- Verified Data: Loan offers come from credible financial institutions, ensuring transparency and reliability. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed choices quickly. 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 type of feedback reflects the effectiveness and reliability of the platform. Take control of your loan search today. Compare real-time loan offers 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.*

I.L.W.U. FEDERAL CREDIT UNION