Hawaii County Public Works

Hawaii County Employees Federal Credit Union (HCEFCU) is a local business that prides itself on being client-driven and experienced. Our primary goal is to provide exceptional service to all of our customers, with the hope of building long-lasting relationships that will stand the test of time. We offer personalized and attentive service with all of our customer agents, as well as 24/7 online access to checking and savings accounts, making it easy for you to get the information you need whenever and wherever you need it.

At HCEFCU, we understand that everyone's financial situation is unique, which is why we offer a variety of loans and banking services tailored to meet your specific needs. Our loan options include personal loans, share secured loans, line of credit, new/used automobile loans, photovoltaic and green loans, home equity line-of-credit, and student loans. We offer competitive rates and flexible terms to help you achieve your financial goals.

Our Services

• Personal Loans: Whether you're looking to consolidate debt, finance a major purchase, or cover unexpected expenses, we offer personal loans with flexible terms and competitive rates.
• Share Secured Loans: Secure a loan using your savings account as collateral. This is a great way to build or establish credit.
• Line of Credit: A line of credit provides you with the flexibility to borrow funds as needed, up to your approved credit limit.
• New/Used Automobile Loans: Financing for new or used vehicles with flexible terms and competitive rates.
• Photovoltaic and Green Loans: Financing for energy-efficient home improvements, such as solar panels, with competitive rates and flexible terms.
• Home Equity Line-of-Credit: Access the equity in your home to finance major expenses or consolidate debt with competitive rates and flexible terms.
• Student Loans: Financing for higher education with competitive rates and flexible repayment options.

Electronic Services

At HCEFCU, we understand the importance of convenience, which is why we offer a variety of electronic services to make managing your finances easy and accessible. Our electronic services include:

• Virtual Branch Login: Access your account online and manage your finances from anywhere.
• E-Statements: No need to worry about your statement sitting in your mailbox. E-statements are ready online on the 1st of the month.
• Online Bill Payment: Online Bill Payment eliminates manual bill paying with customized merchant lists, scheduled recurring and advance payments, and online payment history.
• Mobile Banking: Access Virtual Branch on your smartphone. The screens are easy to see and navigate through.
• Account Alerts: Set up alerts by text message or email on balances or activity to your accounts.
• INPAC Wealth Solutions: Wealth Management & Financial Planning, for every stage of your life. Contact Us.

At HCEFCU, we are committed to providing our customers with the best possible service and products. Whether you're looking for a loan, wanting to manage your finances electronically, or seeking financial planning advice, we're here to help. Contact us today to learn more about how we can help you achieve your financial goals.