Kauai Teachers Credit Union Lihue HI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Kauai Teachers, your trusted partner in financial services located at 2969 Umi St, Lihue, HI 96766. Established in 1938, we have proudly served our community for over 85 years, helping thousands of members achieve their financial goals. With a strong commitment to our members, we currently support a thriving community of 3,690 members and manage total assets amounting to an impressive $51,918,681. At Kauai Teachers, we understand that financial needs can vary significantly from one individual to another. That's why we offer a diverse range of services including personal banking, auto loans, mortgages, and business banking solutions tailored to fit your unique circumstances. Whether you're looking to purchase a new vehicle with one of our competitive auto loans or seeking assistance with debt consolidation through personal loans, we're here to guide you every step of the way. Our leadership team is dedicated to fostering a welcoming environment where members feel valued and supported. Under the guidance of our CEO Conrad Rualizo and Board President Thomas Rita, we prioritize transparency and trustworthiness in all our dealings. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 2969 Umi St, Lihue, HI 96766-1345. For any inquiries or assistance, don't hesitate to reach out by phone at (808) 245-3753. Join us in building a brighter financial future together! Visit us today or check out our website at Kauai Teachers FCU for more information about becoming a member and exploring our full suite of services.

Branch History & Mission

Kauai Teachers has a proud legacy rooted in the heart of Lihue, Hawaii. Established in 1938, our credit union began as a small initiative to support local educators and their families. Over the decades, we have grown into a vital community resource, now proudly serving approximately 3,690 members. Our branch is located at 2969 Umi St, Lihue, HI 96766, easily accessible for those who wish to experience our dedicated services firsthand. Our mission is clear: to empower our members with financial tools that foster growth and stability while also giving back to our community. We believe that everyone deserves a chance to achieve their financial dreams. Whether it's through personal banking services like checking and savings accounts, auto loans, or mortgages, Kauai Teachers is committed to providing solutions tailored to individual needs. We also prioritize community outreach initiatives, ensuring that we contribute positively to the lives of those around us. As we celebrate our history, we also embrace innovation. Our commitment to digital advancements means that members can enjoy convenient online banking and mobile payment options. This focus on accessibility ensures that all our members can manage their finances with ease. While members can visit us at 2969 Umi St, official correspondence should be sent to the same address as our mailing address: 2969 Umi St, Lihue, HI 96766-1345. We are here for you Monday through Thursday from 8:30 AM to 4:30 PM and Friday until 5:00 PM. At Kauai Teachers, we are more than just a credit union; we are your partners in financial success. Join us today and experience the benefits of being part of a community-focused institution that puts people first. Together, let's build a brighter financial future!

Branch Location & Accessibility

Connect With Us

If you have any questions or need assistance, don't hesitate to give us a call at 808-245-3753. We're here to help! We invite you to stop by our branch today and experience our welcoming atmosphere firsthand. Your financial success is our priority!

Nearby Landmarks and Accessibility

Situated near local landmarks, our branch is easy to find. We are just a short drive from popular spots like the Lihue Airport and the vibrant Kukui Grove Center. Whether you're coming in for personal banking or to discuss loan options, you'll find that we have ample parking available for your convenience. Our facility is equipped with ADA-compliant features, ensuring accessibility for everyone.

Operating Hours and Services Offered

We know your time is valuable! That's why we offer flexible operating hours. You can visit us Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays from 8:30 AM to 5:00 PM. Unfortunately, we are closed on Saturdays and Sundays. At Kauai Teachers, we provide a range of services tailored just for you. From checking and savings accounts to auto loans and mortgage options, we've got you covered. Plus, enjoy the ease of online and mobile banking whenever you need it!

Member Eligibility

Becoming a member of Kauai Teachers is like joining a caring community where your financial needs are understood and prioritized. If you're connected to education on Kauai whether as a teacher, administrator, or even a family member you're likely eligible to join us. We welcome individuals who work in education or are related to those who do, making it easy for you to become part of our supportive family. At Kauai Teachers, we pride ourselves on offering personalized services that cater specifically to our members' needs, ensuring you receive the best possible support for your financial journey. To start your membership, simply visit us at 2969 Umi St, Lihue Hi 96766, or give us a call at 808-245-3753 for more information. You can also check out the detailed eligibility criteria by visiting this link. Ready to open an account? Just head over to this page for everything you need to know about getting started. We can't wait to welcome you into our community!

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine seamlessly accepting payments from customers while managing your cash flow effectively. Our merchant services offer exactly that. With competitive rates and easy integration into your existing systems, you can focus on what really matters growing your business without worrying about payment processing hassles. Visit us at 2969 Umi St Lihue Hi 96766 in Lihue, HI, or call us at (808) 245-3753 to explore how our business banking and commercial services can help elevate your business to new heights!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs at our branch location, we ensure that cash withdrawal services remain accessible through partnerships within the community. At Kauai Teachers, we strive to create an environment where financial success is within reach for everyone. If you're interested in learning more about how our services can benefit you or if you have questions about membership options, don't hesitate to give us a call at (808) 245-3753 or visit us at https://www.kauaiteachersfcu.org/. Join us today and experience personalized service like never before!

Auto Loans & Vehicle Financing

Need a new car? With our auto loans and vehicle financing, buying that dream car becomes hassle-free. We offer competitive rates that can fit any budget, so you can focus on choosing the perfect vehicle rather than worrying about financing.

Business Banking

For our business members, we have tailored solutions including merchant services and business loans. Whether you're just starting out or looking to expand, we provide resources that support your entrepreneurial journey.

Credit Cards with Rewards

Our credit cards not only offer convenience but also rewards that make everyday purchases more rewarding. From cashback offers to travel points, our cards are aimed at enhancing your spending experience.

Mortgage Loans & Refinancing

Purchasing a home is one of life's biggest investments, and at Kauai Teachers, we want to make it as simple as possible. Our mortgage loans cater to first-time buyers and those looking to refinance existing loans. We guide you through the process, ensuring you understand every step along the way.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Kauai Teachers offers robust online and mobile banking services. You can check balances, transfer funds, pay bills, and even deposit checks all from the comfort of your home or on-the-go. Our mobile app makes banking easy and efficient!

Personal Banking

Our personal banking options include checking and savings accounts designed to help you manage your daily finances effectively. Whether you're saving for a special occasion or need easy access to your funds, our accounts come with features that suit various lifestyles. Imagine having a straightforward way to keep track of your spending while also building your savings!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but our personal loans are here to help. Whether it's for medical bills, education, or consolidating debt, we provide flexible loan options that can ease your financial burden. Picture yourself managing debts more efficiently with a loan designed just for you.

Digital & Online Banking

Key Services

With our robust online banking platform, available at https://www.kauaiteachersfcu.org/, you can access your accounts 24/7. This means you can check balances, transfer funds, and pay bills whenever it suits you. If you prefer to manage your finances through your smartphone, our mobile application provides all the features you need right at your fingertips. You can even make mobile payments quickly and securely, allowing for hassle-free transactions. Keeping track of your statements is simple with our e-statements option, which ensures that you have easy access to your financial records while also being environmentally friendly. Plus, if you need to send money to friends or family, our person-to-person transfer feature makes it straightforward to send funds instantly without the need for cash or checks.

Security and Accessibility

We prioritize your security. While we currently do not offer electronic signature authorization, rest assured that our online services are designed with advanced security measures to keep your information safe. Our user-friendly interface allows you to navigate through various features effortlessly. At Kauai Teachers, we believe in making banking accessible for everyone. With our comprehensive online banking services, you're in control of your finances anytime and anywhere. Experience the ease and convenience of managing your accounts digitally today!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kauai Teachers is your trusted partner. Visit us at 2969 Umi St Lihue Hi 96766 or call 808-245-3753 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We also take pride in having 8 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. The trust of our growing member base is demonstrated by our total share accounts reaching 6,077.

Lending Capacity

Our commitment to lending is evident with $29,095,461 in total loans and leases, including 198 used auto loans. This capacity supports our members' financial goals across various sectors. Additionally, our operational efficiency reflects in our $0 net income, indicating our ability to manage expenses wisely while focusing on delivering value to our members.

Member-Focused Savings

Members' savings are secured through $20,687,576 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $995,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $4,689,802, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 930 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

Additional Services

In addition to these loan products, Kauai Teachers provides various services such as personal banking (checking & savings accounts), business banking (merchant services & business loans), and online & mobile banking solutions. We aim to provide comprehensive financial support for all aspects of our members' lives.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,418,820 in used vehicle loans and $3,935,660 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we make it easy with competitive rates and flexible terms.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,500,726, make buying or refinancing simple. We provide support throughout the process to ensure you feel confident in your investment.

Refinancing Options

If you're considering refinancing existing loans or exploring eligibility options for any of our products, don't hesitate to reach out. We're here to guide you through every step of the process. For more information or to discuss your specific needs further, please contact us at 808-245-3753 or visit us at 2969 Umi St., Lihue, HI 96766. Explore how Kauai Teachers can assist you today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; however, currently there are no unsecured credit card loans available. If this changes in the future, we'll be ready to assist you in managing your finances effectively.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: You can access up-to-date loan rates from multiple institutions, empowering you to make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Ready to explore your options? 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.*

Kauai Teachers