Valley Isle Community Credit Union Kahului HI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Valley Isle Community, your trusted partner in financial well-being since 1940. Located at 160 Paahana St, Kahului, HI 96732, our branch has been a cornerstone of the community for over eight decades. With a robust membership of 13,288 and total assets exceeding $156 million, we pride ourselves on being more than just a credit union; we are a family dedicated to supporting you through every financial journey. At Valley Isle Community, we understand that banking is about relationships. Our experienced team, led by CEO Trevor Tokishi and Board President Eric Okazaki, is committed to providing personalized service that meets the unique needs of each member. Whether you're looking to secure an auto loan among our 6,094 loans and leases or open a new savings account, we are here to guide you with care. While members can visit us at our branch location, official correspondence should be sent to the same address: 160 Paahana St, Kahului, HI 96732. Our dedicated staff works tirelessly to ensure that your deposits totaling an impressive $18,730,081 are managed with the utmost integrity and security. With net worth standing at $14,933,469 and cash reserves of $545,475, Valley Isle Community is positioned to support your financial goals effectively. We offer a wide range of services including personal banking options such as checking and savings accounts, as well as various loan products tailored for both individuals and businesses. We invite you to reach out via phone at (808) 877-3232 during our lobby hours from Monday to Friday between 8:30 AM and 4:30 PM. Discover how we can help you achieve your financial dreams today! For more information about our services or to become a member, please visit us online at Valley Isle Community. Join us in building a brighter future together!

Branch History & Mission

Innovation and Accessibility

As part of our dedication to serving you better, we've embraced modern technology while ensuring compliance with ADA standards. Our online and mobile banking services allow you to manage your finances conveniently from anywhere. Although we currently do not have ATM or drive-thru services available at this branch, we are continuously looking for ways to improve accessibility for all members. We invite you to experience everything Valley Isle Community has to offer. Whether you're looking for guidance on loans or seeking advice on financial planning, our knowledgeable staff is here to assist you every step of the way. Join us today and become part of a community-focused credit union that truly cares about your financial future! For more information or to open an account online, visit us at Valley Isle Community or call us at 808-877-3232 during our operating hours: Monday through Friday from 8:30 AM to 4:30 PM.

Our Mission

At Valley Isle Community, our mission goes beyond just banking. We strive to foster a supportive environment where every member feels valued and empowered. Our goal is to offer personal banking solutions that include checking and savings accounts, auto loans, mortgage financing, credit cards with rewards, and business banking services. We believe in nurturing relationships with our members by providing excellent service and building trust within our community. Our commitment extends beyond traditional banking; we actively engage in community outreach efforts that strengthen the fabric of Kahului. We partner with local organizations and initiatives that align with our vision of fostering economic growth and enhancing the quality of life for all residents.

Branch Location & Accessibility

Accessibility Features

At Valley Isle Community, we prioritize making banking accessible for everyone. Our branch is fully compliant with ADA standards and features ramps and spacious entryways, ensuring all members can navigate our space comfortably. Plus, we have ample parking available right outside for your convenience.

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 8:30 AM to 4:30 PM. Whether you need help with personal banking or want to explore our loan options like auto financing and mortgage loans our friendly staff is ready to assist you during these hours.

Services Offered

While visiting us, take advantage of the wide range of services we offer. From checking and savings accounts to personal loans and credit cards with rewards, we are here to help you meet your financial goals. Although we currently do not have ATM access or drive-thru services at this branch, our dedicated team is always available to assist you directly. If you're interested in becoming a member or learning more about what we offer, don't hesitate to reach out! Call us at 808-877-3232 or stop by our branch we'd love to help you navigate your financial journey. So why wait? Come visit Valley Isle Community today and discover how easy banking can be!

Member Eligibility

At Valley Isle Community, we're excited to welcome you into our family! Joining us is a simple and rewarding process. If you live, work, or go to school in Maui County, you're already eligible to become a member. We believe that everyone deserves access to friendly financial services tailored to their needs. By becoming a member of Valley Isle Community, you'll enjoy benefits like competitive loan rates, savings accounts with great returns, and personalized service that makes you feel valued. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at this link. When you're ready to open your account, it's as easy as visiting us at 160 Paahana St, Kahului, HI 96732 or giving us a call at 808-877-3232. You can also find more information on how to start your journey with us by visiting this page. We can't wait to help you reach your financial goals!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine accepting payments seamlessly from customers using various methods credit cards, mobile payments, or online transactions. These services not only enhance customer satisfaction but also help you manage cash flow more effectively. Whether you're based in Kahului or the broader Maui community, Valley Isle Community at 160 Paahana St Kahului Hi 96732 is here to help your business thrive. Reach out to us at (808) 877-3232 today and discover how we can support your journey!

Tailored Loan Options

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. - With an outstanding commercial loan portfolio of $215,613, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we have dedicated services that cater specifically to your needs. Our Business Banking solutions include Merchant Services & Business Loans, allowing you to manage transactions smoothly and access funding for growth opportunities. Whether you're a small startup or an established company, we're here to support your journey.

Convenience at Your Fingertips

While we love seeing our members in person during our lobby hours from Monday through Friday from 8:30 AM to 4:30 PM, we also know that convenience is key in today's fast-paced world. That's why we emphasize digital banking features like online account management and mobile payments. With these tools, accessing your money and managing accounts has never been easier. If you have questions or need assistance, don't hesitate to reach out! Call us at 808-877-3232, and one of our friendly staff members will be glad to assist you. Join us at Valley Isle Community today and experience how easy banking can be! For more information about our services or how to become a member, visit us online at Valley Isle Community. Let's work together towards achieving your financial goals!

Financial Support When You Need It

Life can sometimes throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come in handy. These loans can help you manage debts more effectively or finance a special project without breaking the bank. Additionally, our Credit Cards with Rewards offer you the chance to earn rewards on every purchase you make perfect for those who enjoy getting something back from their spending.

Personal Banking Solutions

We understand that managing your finances can be challenging, which is why we offer various personal banking options. Our Checking & Savings Accounts provide you with the flexibility to manage your everyday expenses while saving for future goals. Imagine effortlessly keeping track of your spending and savings all at your fingertips through our Online & Mobile Banking services. With just a few taps on your smartphone, you can check balances, pay bills, and transfer funds without stepping foot into the branch. For those looking to purchase a new vehicle or refinance an existing loan, our Auto Loans & Vehicle Financing make the process straightforward and affordable. We strive to offer competitive rates that fit your budget. If homeownership is on your mind, consider our Mortgage Loans & Refinancing options to help you secure the perfect home loan tailored to your financial situation.

Digital & Online Banking

Key Features for Your Convenience

Need to send money to a friend? Our person-to-person transfers make it effortless. Just a few taps on your mobile device, and the funds are sent right away! Plus, with our mobile payments feature, you can make purchases directly from your smartphone no cash or cards needed. For members who prefer paperless transactions, we offer e-statements that keep your financial records organized and easily accessible. You can also sign documents digitally through our electronic signature authorization, streamlining processes so you can focus on what matters most.

Stay Connected with Our Mobile App

Our mobile application gives you access to all these features right at your fingertips. Whether you're checking transactions or setting up alerts, everything is designed for ease of use. With real-time updates, you can manage your account whenever and wherever you want. At Valley Isle Community, we prioritize security. Our systems are built with robust protections to ensure your information stays safe while you enjoy the convenience of online banking. So why wait? Embrace the future of banking today!

Financial Strength

At Valley Isle Community, 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 are committed to providing you with the highest level of service and support for your financial needs. Our financial health is robust, demonstrated by our net worth of $14,933,469. This strong foundation allows us to offer better rates, lower fees, and enhanced services tailored to meet your needs. Additionally, our net worth ratio of $956 further illustrates our solid capital position, ensuring we can continue to provide loans and competitive savings options even in uncertain economic times. Members' savings are secured through $41,083,070 in share certificates, offering stable and rewarding growth opportunities. Although we currently have no money market shares, the strength of our share certificates gives you peace of mind knowing your funds are well-managed. Unlike traditional banks, we prioritize our members. With $0 in non-member deposits, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks designed specifically for our member community. With $13,207,134 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve you better. Our commitment to your financial wellbeing is reflected in the $1,514 we have in used auto loans and $56,990,593 across various types of loans and leases. This capacity supports your financial goals across multiple sectors. Though our current net income stands at $0, it reflects our operational efficiency and dedication to maintaining competitive loan rates while offering solid financial products for you. We also pride ourselves on having a dedicated team of 25 full-time employees ready to serve you with knowledge and commitment. Our total share accounts number 22,586, demonstrating a growing member base that trusts us with their finances. The funds available for lending and investments through net shares amount to $0, reinforcing our ability to support your financial needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley Isle Community is your trusted partner. Visit us at 160 Paahana St Kahului Hi 96732 or call (808) 877-3232 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,023,865 in used vehicle loans and $8,052,662 in new vehicle loans already helping members get on the road. Whether you prefer financing a brand-new model or an affordable pre-owned vehicle, we have flexible options that suit different budgets.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $215,613 provide the capital needed to expand and thrive in today's competitive market. At Valley Isle Community, we value transparency and accessibility. If you're considering refinancing or want more information on eligibility options for our loans, please don't hesitate to ask us. We're here to help you explore all your options. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here let's work together towards achieving your goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $9,571,208, making it easier for you to secure your dream home. Our experienced team is here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $2,079,422 in loans helping members manage their finances effectively. Enjoy peace of mind knowing that you have access to credit when you need it most.

Loan Aggregator

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