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

Introduction

Welcome to Valley Isle Community, your trusted financial partner located at 69 N Market St, Wailuku, HI 96793. Established in 1940, we have proudly served our community for over eight decades, fostering strong relationships with our 13,288 members and providing them with a variety of financial services that meet their unique needs. At Valley Isle Community, we believe in the power of community and the importance of making banking accessible and personal. Our total assets amount to an impressive $156,074,039, which reflects our commitment to supporting local families and businesses. With $18,730,081 in total deposits and a net worth of $14,933,469, we are well-equipped to offer you competitive rates on loans and savings. Our dedicated team of 25 employees, led by CEO Trevor Tokishi and Board President Eric Okazaki, is here to ensure you receive exceptional service every time you visit. Whether you're looking for auto loans, mortgage options, or personal banking solutions, we have the expertise and resources to help you achieve your financial goals. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 69 N Market St, Wailuku, HI 96793. Join us at Valley Isle Community and experience a personalized approach to banking that truly puts you first. For more information about our services or to speak with one of our friendly representatives, give us a call at 808-244-7354 or explore our website at vicfcu.org. We look forward to serving you!

Branch History & Mission

Welcome to the Valley Isle Community, a credit union that has been dedicated to serving the Wailuku community since it opened its doors in 1940. With a rich legacy of growth and commitment, our branch has evolved to meet the changing needs of our members while staying true to our mission: to provide accessible financial services and support to everyone in our community. Located at 69 N Market St, Wailuku, HI 96793, our branch is not just a place for banking; it's a hub for building relationships and strengthening the local economy. Over the years, we have proudly grown our membership to over 13,288 individuals who trust us with their financial needs. Our total assets now stand at an impressive $156,074,039, reflecting our stability and dedication to sound financial management. At Valley Isle Community, we believe that financial services should be inclusive and supportive. Our mission is centered around helping members achieve their personal and business goals through a range of services including checking and savings accounts, auto loans, mortgage refinancing, and more. We are here not just as a bank but as a partner in your financial journey. While members can visit us at 69 N Market St, official correspondence should be sent to the same address since it also serves as our mailing address. Our operating hours are convenient for busy schedules; we are open Monday through Friday from 8:30 AM to 4:30 PM. Although we do not currently offer ATM services or drive-thru banking, we are committed to providing excellent customer service through other means. Our online and mobile banking options make managing your finances easy and accessible from anywhere. As part of our commitment to the community, we engage in various outreach efforts and partnerships that aim to uplift those around us. Whether it's sponsoring local events or providing educational resources about financial literacy, we strive to make a positive impact beyond traditional banking services. Join us at Valley Isle Community! Experience firsthand how our member-focused approach can help you navigate your financial future with confidence. For any inquiries or assistance, feel free to reach out at 808-244-7354 or visit our website at vicfcu.org. Together, let's build a brighter future for Wailuku!

Branch Location & Accessibility

Welcome to the Valley Isle Community at our Wailuku Branch, located conveniently at 69 N Market St, Wailuku, HI 96793. We're proud to serve the local community in Maui County with accessible banking solutions that cater to your needs. Our branch is situated near popular landmarks, making it easy for you to find us whether you're running errands or just passing through. At Valley Isle Community, we prioritize accessibility for all members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us comfortably. While parking is readily available nearby, you can also reach us easily on foot if you're in the area. We're here for you Monday through Friday from 8:30 AM to 4:30 PM, providing a range of personal banking services including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Whether you're looking to open a new account or need assistance with existing services, our friendly staff is ready to help. For any official correspondence, please send your mail to the same address: 69 N Market St, Wailuku, HI 96793. If you have any questions or need assistance before your visit, feel free to give us a call at 808-244-7354. Come visit us at Valley Isle Community and discover how we can help you achieve your financial goals!

Member Eligibility

Becoming a member of Valley Isle Community is like joining a close-knit family that genuinely cares about your financial well-being. If you live, work, or worship in our community, you're likely eligible to join us! We welcome individuals who are committed to supporting one another and improving their financial futures together. At Valley Isle Community, we offer a range of benefits, including competitive loan rates and personalized service that puts your needs first. You can find more detailed information about the eligibility criteria on our website at http://www.vicfcu.org/home/membership-benefits. Opening an account with us is straightforward and designed to make you feel right at home. Just give us a call at (808) 244-7354, and our friendly team will guide you through the process. We're located at 69 N Market St Wailuku Hi 96793, and we can't wait to help you take the first step toward membership! For further details on how to open an account, check out this link: 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=. Join us today and experience the support and community spirit that makes Valley Isle Community special!

Business Banking & Commercial Services

Practical Merchant Services

Imagine being able to accept payments easily while focusing on what you do best running your business. Our merchant services help streamline transactions, making it simple for you to manage sales and improve cash flow. With our solutions, you can enhance customer satisfaction while reducing wait times at checkout. Visit us at 69 N Market St Wailuku Hi 96793 in Wailuku, HI, or give us a call at (808) 244-7354 to learn more about how we can empower your business today!

Tailored Business Loans

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 entrepreneurs and small businesses, we offer tailored business banking services including merchant services and business loans. Whether you need funds to expand your operations or tools to accept payments seamlessly, we are here to support your journey.

Connect With Us

We invite you to explore how our comprehensive list of services can empower you financially. For more information or personalized assistance, feel free to contact us at 808-244-7354. Our friendly team is here Monday through Friday from 8:30 AM to 4:30 PM ready to assist you with any questions or concerns. Join us at Valley Isle Community, where we are committed to helping you achieve your financial dreams! Visit us online at vicfcu.org today!

Digital Banking Convenience

At Valley Isle Community, we understand that convenience is key in today's fast-paced world. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. You can pay bills, transfer funds, and even deposit checks right from your phone or computer. Additionally, while we do not have ATMs at this location or drive-thru service, our online platform provides all the essential features you need for cash withdrawal services without the hassle of waiting in line.

Personal Banking

Our personal banking services include checking and savings accounts designed to help you manage your finances with ease. Imagine having a checking account that offers easy access to your funds while also earning interest on your savings. This can make budgeting for monthly expenses and future goals much simpler. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it easy to get behind the wheel of your dream car. We offer competitive rates and flexible terms that fit your budget. Additionally, if home ownership is on your horizon, our mortgage loans and refinancing options can help you navigate the process smoothly. When unexpected expenses arise or when you're looking to consolidate debt, our personal loans can provide the financial boost you need. Plus, don't forget about our credit cards with rewards! These cards not only help you manage purchases but also offer perks that add value to your everyday spending.

Digital & Online Banking

Key Features

Our online banking platform allows you to manage your money effortlessly. You can view your balances, transfer funds between accounts, and pay bills all from the comfort of your home or on the go. Plus, with our electronic signature authorization, signing documents has never been easier or more secure. Are you tired of waiting for paper statements? Enjoy the benefits of e-statements, which provide you with easy access to your financial information without the clutter of physical paperwork. This feature not only keeps your information organized but also enhances security by reducing the risk of identity theft. If you're someone who likes to use mobile payment options, you're in luck! Our mobile payments feature lets you make quick and secure transactions right from your smartphone. And don't forget about our user-friendly mobile application, which puts all these capabilities at your fingertips. Need to send money to a friend or family member? Our person-to-person transfers make it simple to send cash quickly and securely. Whether it's splitting a bill or sending a gift, just a few taps on your phone will do the trick. At Valley Isle Community, we're committed to making banking easier for you. With our accessible online tools and features tailored for your needs, managing your finances has never been more straightforward. Explore our digital offerings today at https://www.vicfcu.org/home/home and take control of your financial future!

Financial Strength

Committed Team Ready to Assist You

Our dedicated team is here to help you every step of the way. We take pride in having 25 full-time employees, ensuring that our branches are always ready to serve you with knowledgeable support.

Growing Trust Among Members

Total Share Accounts stand at 22,586, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $0, reflecting our commitment to using resources efficiently for our members' benefit. 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 69 N Market St Wailuku Hi 96793 or call 808-244-7354 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.

Member-Centric Savings Options

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.

Reinvesting for Better Services

With $13,207,134 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 members' financial goals across various sectors with $56,990,593 in total loans and leases and $1,514 used auto loans.

Solid Financial Health

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 956 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. We provide flexible terms and competitive interest rates to ensure you can find the right financing option for your next vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $215,613 provide the capital needed to grow and expand your business. We understand that small businesses are vital to our community's economy, and we're committed to supporting local entrepreneurs. If you're interested in any of these loan products or would like more information about refinancing options and eligibility criteria, feel free to reach out. You can contact us at (808) 244-7354 or visit us at our branch located at 69 N Market St Wailuku Hi 96793. For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $9,571,208, providing affordable pathways to owning your dream home. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is ready to assist you every step of the way.

Unsecured Credit Card Loans

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. Our credit cards come with rewards and are designed to fit your lifestyle while providing financial security when you need it most.

Loan Aggregator

Accurate Loan Comparisons

LendMesh stands out by ensuring accurate loan comparisons. The 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 to accuracy guarantees that users receive fair and transparent offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - 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 decisions. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how LendMesh has positively impacted real customers, reinforcing its credibility as a reliable tool for financial decision-making. 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.*