Waialua Credit Union HI | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Waialua Federal Credit Union, your trusted financial partner since 1937. Nestled in the heart of Waialua at 67292 Goodale Ave A2, Waialua, HI 96791, we are proud to serve our community with dedication and care. With over 3,022 members and total assets reaching an impressive $47,907,587, we are committed to providing you with personalized banking solutions tailored to your needs. At Waialua Federal Credit Union, we believe in empowering our members through exceptional service and a wide array of financial products. Whether you're looking for auto loans, mortgage financing, or simply a safe place to grow your savings, we've got you covered. We currently hold total deposits of $1,374,883 and boast a net worth of $8,073,910, ensuring that your funds are secure with us. Led by our dedicated CEO, Robert Jonick, and Board President Timothy Littlejohn, our team is here to support you every step of the way. With just 5 employees, we pride ourselves on being accessible and responsive to our members' needs. You can reach us at (808) 637-6737 during our lobby hours from 8:30 AM to 4:00 PM, Monday through Friday. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: PO BOX 800, Waialua, HI 96791. Join us today at waialuafcu.com and discover how we can help you achieve your financial goals!

Branch History & Mission

Community Commitment

We are dedicated to ensuring that our services are inclusive and accessible to everyone. Our operating hours from 8:30 AM to 4:00 PM Monday through Friday allow us to cater to your banking needs at convenient times. Although we currently do not offer ATM or drive-thru services, we have embraced digital advancements by providing online and mobile banking options. This allows members to manage their finances from anywhere, making banking easier than ever. Our team is always ready to assist you with various financial services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Each service is designed with our members' best interests in mind.

Join Us

As we continue on this path of growth and community engagement, we invite you to become a part of the Waialua Federal Credit Union family. Experience firsthand the benefits of membership where your financial goals are supported with personalized care and attention. Together, let's build a brighter future for ourselves and our community. For any inquiries or assistance, feel free to reach us at (808) 637-6737. We look forward to welcoming you!

Our Mission

Our mission at Waialua Federal Credit Union is simple yet impactful: to provide exceptional financial services while nurturing a strong sense of community. We believe in supporting our members not just through loans and savings accounts but also by contributing positively to the lives of those around us. Whether it's through educational workshops or community outreach programs, we strive to uplift our neighborhood and promote financial literacy. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: PO BOX 800, Waialua, HI 96791.

Branch Location & Accessibility

Contact Us

Have questions? Don't hesitate to give us a call at 808-637-6737. Our friendly staff is eager to help you with anything you need. While members can visit us at our branch location, if you have any official correspondence or documents to send, please address them to PO BOX 800, Waialua, HI 96791. We invite you to come by and discover how we can help make your financial journey smoother. We look forward to welcoming you!

Nearby Landmarks and Accessibility

Located near local favorites, our branch is just a short drive from Waialua Bay and close to various shops and restaurants. We pride ourselves on being accessible for everyone, with features such as ADA-compliant entrances and parking. If you're planning a visit, you'll appreciate our ample parking space designed for your convenience.

Operating Hours

We're here to serve you Monday through Friday from 8:30 AM to 4:00 PM. Our dedicated team is ready to assist you during these hours, ensuring that your banking needs are met with care and attention.

Services Offered

At Waialua Federal Credit Union, we offer a wide range of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, our online and mobile banking services make it easy to manage your finances on the go.

Member Eligibility

At Waialua, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is straightforward and welcoming! If you live, work, worship, or attend school in our local area, you're likely eligible to join us. We cherish diversity and strive to include everyone, making it easier for you to access our fantastic financial services tailored just for you. Plus, membership offers many benefits such as lower loan rates and personalized service that puts your needs first. To get started on your journey with us at Waialua, simply visit us at our branch located at 67292 Goodale Ave A2 Waialua Hi 96791 or give us a call at (808) 637-6737. You can also check out the detailed eligibility criteria by visiting . We look forward to welcoming you into our family!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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. For those not yet part of our community, we also support the broader business sector with $0 in non-member commercial loans, providing flexible financing solutions that fit various budgets and plans.

Merchant Services That Simplify Transactions

In today's fast-paced market, efficient payment processing can set you apart. Our merchant services allow you to accept payments seamlessly, whether online or in-person. Imagine a busy café serving customers swiftly with contactless payments, or a local retailer managing sales effortlessly through an integrated point-of-sale system. These tools not only enhance customer satisfaction but also streamline your operations. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses right here in Waialua, HI. Partner with us at Waialua and watch your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Are you looking to buy a new car or refinance an existing loan? Our auto loans and vehicle financing options make it easy for you to hit the road without breaking the bank. We offer competitive rates and flexible terms to help you drive away in the vehicle of your dreams.

Business Banking Services

For our business members, we offer comprehensive business banking solutions including merchant services and business loans. We understand that running a business comes with challenges, and our dedicated team is here to help you find the right financial products tailored for your success.

Cash Withdrawal Services

While we currently do not have ATMs available at this branch, we ensure that cash withdrawal services are accessible during regular hours for all members. If you're ready to explore these offerings or have questions about how we can assist you better, feel free to reach out! Call us at 808-637-6737 during our lobby hours from 8:30 AM to 4:00 PM Monday through Friday. At Waialua Federal Credit Union, we're here for you every step of the way on your financial journey!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking services. Check balances, transfer funds, and pay bills from the comfort of your home or on-the-go using our user-friendly app. With features like e-statements and mobile payments, managing your finances has never been easier.

Credit Cards with Rewards

Who doesn't love rewards? Our credit cards come with benefits designed to maximize your spending power while earning points on every purchase. Enjoy cashback offers or travel rewards that can be redeemed for exciting experiences!

Home Financing

Owning a home is a significant milestone, and our mortgage loans and refinancing options are here to support you every step of the way. Whether you're purchasing your first home or considering refinancing your current mortgage, our team will guide you through the process with ease.

Personal Banking Solutions

We know that managing your money is a big part of everyday life. That's why we offer personal banking services that include checking and savings accounts. Whether you're saving for a vacation or just want a safe place for your day-to-day expenses, our accounts come with great features to fit your lifestyle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our personal loans and debt consolidation services come into play. We provide solutions tailored to help you manage your finances more effectively, so you can focus on what truly matters.

Digital & Online Banking

At Waialua, we understand that managing your finances should be convenient and secure. That's why we offer a variety of digital and online banking services designed to give you control over your money anytime, anywhere. With our 24/7 online banking, you can easily access your accounts, check balances, pay bills, and transfer funds all from the comfort of your home or on the go. Explore our online banking features at http://www.waialuafcu.com where you can sign up for e-statements to keep track of your transactions without the clutter of paper. Enjoy the peace of mind that comes with knowing your information is safe and secure. Our mobile application makes it even easier; whether you're waiting in line or enjoying a coffee, you can manage your account right from your phone. If you're looking to make quick payments, our mobile payments feature allows you to pay directly from your phone without any hassle. While person-to-person transfers aren't currently available, our other services ensure that sending and receiving money is straightforward and efficient. For those who prefer signing documents digitally, we offer electronic signature authorization, making it simple to handle paperwork without needing to visit a branch. We are committed to providing user-friendly solutions that enhance your banking experience. Join us at Waialua as we embrace the future of banking while keeping it personal and accessible. We're here to help you manage your finances effectively because your financial journey matters to us.

Financial Strength

Commitment to Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 5 full-time employees and 0 part-time employees who are dedicated to serving you with a knowledgeable and committed team.

Growing Together

Total Share Accounts stand at 3,859, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further illustrates our ability to meet your needs effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Waialua is your trusted partner. Visit us at 67292 Goodale Ave A2 Waialua Hi 96791 or call (808) 637-6737 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $0 in share certificates and $0 in money market shares, 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.

Our Strong Financial Position

With a net worth of $8,073,910, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,685 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Growth

With $8,073,910 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports your financial aspirations with $15 in used auto loans and $18,053,347 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $231,606 in used vehicle loans and $1,225,638 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles, making it easier for you to finance your next car purchase.

Credit Lines and Unsecured Loans

For those looking for additional financial flexibility, our total credit lines amount to $2,000,000. These lines can be an excellent way to cover unexpected expenses or manage cash flow effectively. Additionally, we offer flexible terms on unsecured credit card loans; however, currently, there are no outstanding balances in this category.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,580,040, make buying or refinancing simple. We are here to guide you through every step of the process to ensure you find the right mortgage solution for your needs.

Refinancing Options

If you're considering refinancing any existing loans be it auto or mortgage we can help you explore your options to potentially lower your monthly payments or consolidate debt into one manageable loan. We pride ourselves on providing personalized service and tailored solutions that meet your unique financial situation. For more information about our loan offerings or to discuss how we can assist you further, feel free to reach out at (808) 637-6737 or visit us at 67292 Goodale Ave A2 Waialua HI 96791. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Waialua Federal Credit Union, we're committed to helping our members thrive financially!

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