Valley Isle Community Credit Union Lahaina HI | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Valley Isle Community, your trusted credit union located at 40 Kupuohi St Ste 102, Lahaina, HI 96761. Since our establishment in 1940, we've been dedicated to serving our community with personalized financial solutions. With a strong membership of over 13,288 individuals, we take pride in being a cornerstone of financial support in Lahaina and surrounding areas. At Valley Isle Community, we understand that your financial needs are unique. Whether you're looking for an auto loan, mortgage options, or simply a place to grow your savings, our total assets of over $156 million ensure we have the resources to help you succeed. Our commitment goes beyond just numbers; it's about building lasting relationships with our members. Under the leadership of CEO Trevor Tokishi and Board President Eric Okazaki, our team of 25 dedicated employees is here to guide you through every step of your financial journey. We offer a variety of services including checking and savings accounts, personal loans, and business banking solutions all designed with your best interests in mind. While members can visit us at our branch address, official correspondence should be sent to the same location. If you have questions or need assistance, don't hesitate to reach out at (808) 667-2641. We're here for you Monday through Friday from 9 AM to 5 PM. Explore how Valley Isle Community can make a difference in your life by visiting our website at vicfcu.org. Join us today and let's achieve your financial goals together!

Branch History & Mission

A Commitment to Community

At Valley Isle Community, our mission goes beyond just providing financial services; we aim to uplift and support our community. We believe that when our members succeed, we all succeed. This commitment is reflected in our diverse offerings, including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. We also provide business banking solutions to help local entrepreneurs thrive. Our mission statement emphasizes not only financial growth but also community involvement. We actively engage in outreach programs and partnerships designed to empower residents and foster a sense of belonging. Whether through financial education workshops or community service initiatives, we strive to make a positive impact on the lives of those we serve.

Embracing Modern Convenience

As times have changed, so have we. Valley Isle Community embraces modern technology to enhance member experiences. With online and mobile banking options available, members can manage their accounts anytime and anywhere. Our commitment to accessibility includes ADA compliance initiatives to ensure all members can utilize our services without barriers. While you can visit us at 40 Kupuohi St Ste 102 for personalized assistance during our operating hours from Monday to Friday, 9 AM - 5 PM, any official correspondence should be sent to the same address as our mailing address.

Join Us Today!

The heart of Valley Isle Community beats with the spirit of Lahaina. We invite you to become part of our family and experience firsthand the benefits of membership. Whether you're looking for a loan or simply want a safe place for your savings, we're here to help you navigate your financial journey. For more information about membership eligibility or to open an account today, please visit us online at Valley Isle Community or call us at 808-667-2641. Together, let's build a brighter future for our community!

Branch Location & Accessibility

Convenient Access

Our branch is easily accessible and situated near local landmarks that make it a familiar stop for many residents. You'll find us nestled close to the heart of Lahaina, where you can enjoy a visit while exploring the vibrant surroundings. Parking is available right outside our doors, ensuring a hassle-free experience when you come to see us. For those who need extra assistance, we prioritize accessibility features like ADA compliance to ensure everyone can access our services comfortably.

Operating Hours

We're here for you during the week! Our lobby hours are Monday through Friday from 9 AM to 5 PM, making it easy for you to fit banking into your schedule. If you have any questions or need assistance, don't hesitate to give us a call at 808-667-2641. Our friendly staff is always ready to help!

Services Offered

At Valley Isle Community, we offer a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. We also provide business banking solutions and online and mobile banking for your convenience.

Visit Us Today!

While members can visit us at our physical location in Lahaina, official correspondence should be sent to our mailing address: 40 Kupuohi St Ste 102, Lahaina, HI 96761. We invite you to stop by and experience our personalized service firsthand. Your financial journey starts here!

Member Eligibility

At Valley Isle Community, we believe that everyone deserves a chance to thrive in a supportive community. Becoming a member is easy and welcoming, with eligibility primarily available to those who live, work, or worship in the Lahaina area. If you have family members who are already part of our credit union, you're also eligible to join! This means you can enjoy all the benefits of membership, including personalized service and competitive rates on loans and savings accounts. To learn more about the specific eligibility requirements, feel free to check out our detailed guide at http://www.vicfcu.org/home/membership-benefits . Once you're ready to take the next step, opening an account is straightforward! You can visit us at our branch located at 40 Kupuohi St Ste 102 Lahaina Hi 96761 or reach out by phone at (808) 667-2641 for assistance. We're here to help you every step of the way as you embark on your journey with us at Valley Isle Community! For more details about starting your membership, please visit https://urldefense.proofpoint.com/v2/url?u=https-3a__online.vicfcu.org_loan_seasonal_authentication&d=dwmf-g&c=eugzstcatdllvimen8b7jxrwqof-v5a_cdpgnvfiimm&r=j1lqa1npwl0yiwo1swpw4w87zjnqfhfxhmrz5zg302g&m=d0dhm-qcnbsdxvxnohrwvpdngjmkgm0i67pve10ayuu80jey8q5w5m3lrkipkeoy&s=y8vgc1_m5qe5qqrwleu0abijyeccuqlxq-1t1jsmc0q&e= .

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify your operations. Imagine being able to accept payments effortlessly, whether it's through credit cards or digital wallets. Our services not only help you manage transactions but also enhance your customer experience. Join us at Valley Isle Community, located at 40 Kupuohi St Ste 102 Lahaina Hi 96761 in Lahaina, HI, and let's work together to build a brighter future for your business. For more information, call us at (808) 667-2641 or visit our website at https://www.vicfcu.org/home/home .

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 $0 in non-member commercial loans, providing flexible financing solutions. - 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

For business owners in our community, we provide robust business banking solutions, including merchant services and business loans to support growth and innovation. Whether you're starting a new venture or expanding an existing one, we are here to help.

Cash Withdrawal Services

While we currently do not have ATMs or drive-thru services at our branch located at 40 Kupuohi St Ste 102 Lahaina, HI 96761, rest assured that our staff is always ready to assist you during lobby hours from Monday through Friday from 9 AM to 5 PM. If you're ready to take the next step in managing your finances or want more information about any of our services, don't hesitate to reach out! Call us today at 808-667-2641, or visit us online at Valley Isle Community. We're excited to support you on your financial journey!

Credit Cards

Our credit cards with rewards make everyday spending more rewarding! Enjoy perks as you shop, dine, and travel. With competitive rates and flexible repayment options, managing your expenses has never been easier.

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are crafted to help you secure the best rates possible. We're here to guide you through the process, ensuring that you find a mortgage solution that aligns with your financial goals.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer top-notch online and mobile banking services. Manage your accounts anytime, anywhere with ease! From checking balances to transferring funds or paying bills, you have full control at your fingertips.

Personal Banking

We understand how important it is to manage your finances effectively. Our personal banking services include both checking and savings accounts tailored for various lifestyles. For those planning for the future, consider setting up an account that earns interest while keeping your funds easily accessible. If you're navigating life's unexpected turns, our personal loans can help you consolidate debt or cover urgent expenses.

Vehicle Financing

For our members seeking wheels, we offer auto loans and vehicle financing options that make purchasing a car simple and straightforward. Imagine driving off in your dream vehicle with manageable monthly payments that fit your budget perfectly!

Digital & Online Banking

Key Services

With our online banking platform available at https://www.vicfcu.org/home/home , you can check your account balances, transfer funds, and pay bills from the comfort of your home or on the go. Our 24/7 online banking services ensure that you're always connected to your money, no matter what time it is. We also offer e-statements, so you can go paperless and access your financial statements securely online. Plus, with electronic signature authorization available, signing documents is quick and hassle-free. No more waiting for the mail! If you're always on the move, our mobile application provides an even more convenient way to manage your finances. You can easily make person-to-person transfers, allowing you to send money to friends and family instantly. Additionally, our mobile payments feature lets you make purchases directly from your phone without fumbling for cash or cards. Your security is our top priority. We utilize advanced security measures to keep your information safe while ensuring that our services remain user-friendly. You can navigate through our digital banking tools with ease and peace of mind. At Valley Isle Community, we are committed to providing you with accessible and efficient banking solutions that fit into your lifestyle. Embrace the future of banking with us today!

Financial Strength

Growing Membership Base

Total Share Accounts: 22,586 show a strong and growing member base that trusts us with their finances. This trust fuels our mission to provide exceptional service while maintaining financial strength. 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 40 Kupuohi St Ste 102 Lahaina Hi 96761 or call 808-667-2641 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings Solutions

Members' savings are secured through $41,083,070 in share certificates, offering stable and rewarding financial growth opportunities. 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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 25 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvesting in Your Financial Future

With $13,207,134 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $56,990,593 in total loans and leases and $1,514 in used auto loans.

Strong Capital Foundation

With a net worth of $14,933,469, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 9.56% 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 $5,023,865 in used vehicle loans and $8,052,662 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable pre-owned vehicle, we have financing options that suit various budgets and credit profiles. Plus, if you need refinancing options, we can assist you in finding the best terms possible.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,571,208, make buying or refinancing simple. We provide personalized service throughout the mortgage process to ensure you understand every step along the way. From first-time buyers to seasoned homeowners looking to refinance, our team is here to guide you through your options.

Other Loan Products

In addition to our auto and mortgage loans, we provide access to personal loans and credit lines totaling $15,257,088. Whether it's for debt consolidation or unexpected expenses, our personal lending solutions are crafted to fit various financial situations. For business owners seeking capital for growth, our outstanding commercial loans totaling $215,613 provide the support necessary for expansion and investment opportunities. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to take the next step toward achieving your financial goals or want more information on eligibility and application processes, feel free to contact us at 808-667-2641 or visit us at our branch located at 40 Kupuohi St Ste 102 Lahaina HI 96761. We're open Monday through Friday from 9 AM to 5 PM. Explore how Valley Isle Community can assist you today!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. These cards come with competitive interest rates and rewards programs that add value to your spending.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the rates and terms presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user sees the same loan options without influence from advertising dollars. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions. This feature empowers individuals to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and reliable this tool can be for potential borrowers. For those seeking the best loan rates tailored to their needs, 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.

Ensuring Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 to compliance means that users receive fair and transparent offers, free from misleading information.

VALLEY ISLE COMMUNITY FEDERAL CREDIT UNION