Kauai Credit Union Kapaa HI | Best Auto Loans & ATM Access

Introduction

Welcome to Kauai, where we've been serving our members since 1947 with dedication and commitment. Nestled in the heart of Kapaa, HI, at 41624 Kuhio Hwy, we pride ourselves on being more than just a financial institution; we are a community partner. Our mission is to empower our 7,640 members with the financial tools they need to thrive. With total assets reaching an impressive $176,922,191 and total deposits of $16,202,711, we ensure your money is in safe hands. At Kauai, we understand that your financial needs are unique. That's why we offer a variety of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. Whether you're looking to consolidate debt or finance a new vehicle, our team is here to help you every step of the way. Our leadership team, led by CEO Sean Kaley and Board President Byron Watanabe, is committed to fostering a welcoming environment where you can feel confident about your financial decisions. We currently employ 39 dedicated staff members who are ready to assist you during our lobby hours from Wednesday through Friday from 9 AM to 3 PM. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to our mailing address at 2976 Ewalu St, Lihue, HI 96766. We invite you to explore our website at kauaicreditunion.org for more information about our services and how we can support you. Join us in making a difference in our community come visit us today or call us at 808-245-2463! Let's achieve your financial goals together!

Branch History & Mission

Community Commitment

Kauai is more than just a credit union; we are an integral part of the Kapaa community. Our partnerships with local organizations and outreach initiatives reflect our belief in giving back. We actively participate in programs that support education, health care, and local events that strengthen community ties. We invite you to experience the benefits of being part of Kauai. Join us today and let us help you reach your financial aspirations while becoming part of a caring community focused on mutual success. For more information or to open an account, please visit us online at kauaicreditunion.org or call us at 808-245-2463. Together, let's build a brighter future!

Our Mission

Our mission at Kauai is simple yet profound: We strive to empower individuals and families by providing accessible financial solutions while fostering a sense of belonging and community spirit. We believe that everyone deserves the chance to achieve their financial goals, whether it's saving for a new home, financing a vehicle, or managing day-to-day expenses. In addition to personal banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we also offer business banking options such as merchant services and business loans. We are here to support every member's journey toward financial success. While members can visit us at 41624 Kuhio Hwy, official correspondence should be sent to our mailing address at 2976 Ewalu St, Lihue, HI 96766. We embrace technology with features like online banking and mobile applications that allow members to manage their finances conveniently. While we currently do not offer ATMs or drive-thru services at this location, our team is always available during lobby hours Wednesday through Friday from 9 AM to 3 PM to provide personalized assistance.

Branch Location & Accessibility

Accessibility Features

We are committed to ensuring that everyone can access our services. Our branch is ADA compliant, featuring ramps and designated parking spaces to accommodate all members of our community.

Get in Touch!

Have questions? Give us a call at 808-245-2463! We're excited to serve you and help you achieve your financial goals. Come visit us today!

Nearby Landmarks

Our branch is situated near popular spots like the beautiful Kapaa Beach Park, making it a perfect pit stop for beachgoers or those enjoying a day out in the sun. Plus, with ample parking available, visiting us is hassle-free.

Operating Hours

Kauai is here for you Wednesday through Friday from 9 AM to 3 PM. We understand that convenience matters, so we're ready to assist you during these hours with a smile!

Services Offered

At Kauai, we provide a range of personal banking services including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. While we don't have an ATM or drive-thru service at this location, our dedicated staff is always available to help you with any transactions or questions you may have. If you need to send official correspondence, please note that while you can visit us at 41624 Kuhio Hwy, official mail should be directed to 2976 Ewalu St, Lihue, HI 96766.

Member Eligibility

Joining the Kauai Credit Union community is more than just opening an account; it's about becoming part of a supportive family dedicated to your financial well-being. To become a member of Kauai, located at 41624 Kuhio Hwy, Kapaa, HI 96746, you need to meet some simple eligibility criteria. Generally, anyone who lives, works, worships, or attends school in Kauai County can join us. We embrace all backgrounds and encourage everyone to apply! The benefits of membership are significant, including access to personalized financial services and lower rates on loans. The process to open an account is designed to be straightforward and welcoming. You can find more detailed eligibility information at https://forms.joinmycu.com/mop/338/mop/eligibility. If you're ready to take the next step and join our credit union family, you can start your application by visiting http://www.kauaicreditunion.org#link-popup-mortgage. Should you have any questions or need assistance along the way, feel free to reach out to us at (808) 245-2463. We're excited to help you embark on this journey with us!

Business Banking & Commercial Services

Merchant Services

Imagine a local café needing quick access to funds for new equipment or a retail shop wanting seamless payment processing. Our merchant services make it easy for businesses to accept payments, manage transactions, and grow their customer base effectively. We provide tools that simplify everyday operations so you can focus on what truly matters serving your customers. Located conveniently at 41624 Kuhio Hwy Kapaa Hi 96746 in Kapaa, HI, we are here to partner with you in achieving your business goals. Contact us at (808) 245-2463 to learn more about how we can assist you today!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $10 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $6,741,822, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility and Convenience

With our commitment to digital banking, accessing all these services is easier than ever. You can manage your accounts through our secure online banking system or use our mobile app for transactions on-the-go. Plus, if you ever need cash, our ATM and cash withdrawal services are available at convenient locations nearby. At Kauai, we believe in fostering a strong community by offering personalized service that meets the evolving needs of our members. If you're ready to explore how we can support your financial journey or have any questions about our offerings, don't hesitate to reach out! Call us at 808-245-2463 today or visit us at our branch in Kapaa. Join us at Kauai where your financial well-being is our priority!

Business Banking

If you're a business owner, we've got you covered as well! Our business banking services include essential tools like merchant services and business loans that can help your venture thrive. Whether you're just starting out or looking to expand, we understand the unique challenges businesses face.

Credit Cards

Our credit cards with rewards are designed to enhance your spending experience. Earn points on everyday purchases that can be redeemed for travel, merchandise, or cashback making every dollar spent work harder for you.

Loans and Financing

For those in need of financial assistance, our auto loans and vehicle financing options are perfect for getting you behind the wheel of your dream car without breaking the bank. We also provide mortgage loans and refinancing solutions that can help you secure a home or lower your monthly payments. If you're planning a big purchase or facing unexpected expenses, consider our personal loans and debt consolidation services. We aim to make borrowing simple and straightforward.

Personal Banking

When it comes to personal banking, we offer a variety of options designed for every member's lifestyle. Whether you're looking to open a checking or savings account, we have accounts that fit your needs. Our accounts provide easy access to your funds, allowing you to manage your money effectively through our online and mobile banking platforms. Imagine checking your balance or transferring funds right from your smartphone while relaxing at the beach!

Digital & Online Banking

Key Features of Our Digital Banking Services

One of the standout features at Kauai is our ability to offer e-statements. This means you can view and download your statements electronically, saving you time and reducing paper clutter. Keeping track of your finances has never been simpler! If you love convenience, you'll appreciate our mobile payments feature. With this option, making purchases is fast and easy just tap your phone! Additionally, person-to-person transfers allow you to send money quickly to friends or family without the hassle of cash or checks. Although we currently do not offer electronic signature authorization for transactions, rest assured that all our services prioritize security. Your financial information is protected with advanced encryption technology, so you can bank with confidence. At Kauai, we believe in making banking accessible for everyone. Whether you're at home or out and about, managing your accounts is straightforward and efficient. Embrace the ease of digital banking today!

Financial Strength

At Kauai, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We strive to maintain a strong foundation that allows us to offer you the best possible services. With a net worth of $16,952,551, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 958 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $53,120,504 in share certificates and $9,965,298 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $11,562,425, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $14,397,569 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 your financial goals with $333 in used auto loans and a total of $131,814,359 in loans and leases available. Our operational efficiency is reflected in our net income of -$1,445,018, which highlights areas for growth as we work towards offering competitive loan rates and solid financial products for our members. We also take pride in having 38 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $2,892,543. Total Share Accounts: 14,498, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Kauai is your trusted partner. Visit us at 41624 Kuhio Hwy Kapaa Hi 96746 or call 808-245-2463 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,409,610 in used vehicle loans and $3,066,361 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our competitive rates and flexible terms make it easier for you to drive away with confidence.

Credit Lines and Commercial Loans

For those needing additional financial flexibility, we provide credit lines totaling $65,074,999. Additionally, our outstanding commercial loans totaling $6,741,822 provide business owners with the capital needed to grow and expand their operations. At Kauai, we're committed to supporting our members through every stage of their financial journey. If you're interested in refinancing options or want to learn more about eligibility criteria for any of our loan products, please reach out to us directly at 808-245-2463 or visit our website at kauaicreditunion.org. 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 help you meet your goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $14,435,655, make buying or refinancing simple. We provide personalized service and guidance throughout the mortgage process to ensure you find the right solution for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,496,811 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that fit your lifestyle.

Loan Aggregator

Ensuring Accurate 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 rigorous sourcing guarantees that all offers are fair and transparent, allowing users to compare options confidently.

Key Benefits of Using LendMesh

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KAUAI FEDERAL CREDIT UNION - Kapaa, HI

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