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Waialua Federal Credit Union Waialua Federal Credit Union
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Business Details
22 Years
experience
Your Trusted Credit Union in Waialua, HI
Established to serve the financial needs of our community, Waialua Federal Credit Union has been dedicated to providing personalized banking solutions since 2004. Our institution prioritizes member satisfaction through competitive loan rates, secure savings options, and tailored financial services. With a focus on local engagement, we offer unique benefits including free notary services, discounted entertainment, and 24/7 mobile banking access. Our team of financial professionals maintains rigorous compliance with federal regulations, ensuring all transactions meet the highest standards of security and transparency. Through decades of combined experience in credit union operations, we deliver expert guidance on auto loans, home equity lines, personal financing, and share-secured lending.

As a federally insured institution, we uphold unwavering commitment to ethical practices and financial education, empowering members to achieve long-term stability. Our physical branch in Waialua, Hawaii, serves as a hub for personalized service while our digital platforms enable convenient account management from anywhere. By maintaining low overhead costs, we pass savings directly to members through favorable interest rates and minimal fees. Our governance structure ensures accountability to members while maintaining adaptability to evolving financial needs. This combination of traditional service values and modern banking technology positions us as a trusted financial partner in the North Shore community.
Services
Auto Loans HELOC Personal Loans Share Secured Loans Mobile Banking Notary Services Wire Transfers Savings Accounts Checking Accounts Online Payments
Details
  • Year established: 2004
Highlights and features
  • We offer competitive APRs on auto and personal loans with direct deposit benefits
  • Our HELOC program provides up to $250,000 for Hawaii property owners
  • Share-secured loans help build credit history without income verification
  • 24/7 mobile banking with check deposit and loan application capabilities
  • Federally insured accounts with NCUA protection up to $250,000
Associations and certifications
  • National Credit Union Administration
Update Listing
Services
Auto Loans
We provide competitive financing for new and used vehicles with terms up to 84 months. Our loans accommodate various credit profiles, offering direct deposit rate reductions. Vehicle age determines loan terms with specific parameters for new purchases versus refinancing existing loans.
HELOC
Homeowners can access up to $250,000 through our home equity line of credit. This revolving credit line allows flexible borrowing over 10 years with competitive variable rates. Qualification requires Hawaii-based owner-occupied properties meeting specific loan-to-value requirements.
Personal Loans
Unsecured personal loans up to $10,000 offer flexible repayment terms up to 60 months. Our line of credit option provides ongoing access to funds with minimum payment requirements based on principal amounts. No collateral required for qualified applicants.
Share Secured Loans
These secured loans use your savings account as collateral, making them ideal for building credit history. Funds remain accessible as loan balances decrease, with interest rates tied to current share rates plus a fixed margin.
Mobile Banking
Our mobile app enables 24/7 account management including balance checks, fund transfers, check deposits, and loan applications. Available for iOS and Android devices, the platform maintains bank-grade security while providing convenient access to financial services.
Questions
How do I apply for a loan?
Apply online through our secure portal or visit our Waialua branch. Required documents vary by loan type but typically include identification and financial verification.
What are HELOC requirements?
Applicants need Hawaii-based owner-occupied properties with 80% LTV (tax assessed) or 70% LTV (appraised). Maximum loan amount is $250,000 with variable interest rates.
Do you offer mobile banking?
Yes, our mobile app supports balance checks, fund transfers, check deposits, and loan applications. Available for iOS and Android devices through major app stores.
What loan payment options exist?
Payments can be made online, through mobile deposit, or at our branch location. We offer automatic payment options and accept mailed payments to our PO Box.
Are my accounts insured?
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency providing deposit protection.