Business Details
Your Trusted Hawaii Banking Partner
At HFS Federal Credit Union, we are dedicated to providing personalized financial solutions that empower our members to achieve their goals. With a legacy of community-focused banking, we offer a comprehensive range of services including checking accounts, share certificates, personal loans, and credit cards designed to meet diverse financial needs. Our commitment to innovation ensures seamless digital banking experiences while maintaining the personal touch that defines our member-first philosophy.Through programs like our Refer a Friend initiative and partnerships with local organizations, we strive to strengthen the Hawaii Island community. Backed by NCUA insurance and competitive rates, we combine financial expertise with ethical practices to deliver trustworthy, transparent services that prioritize member satisfaction.
Services
Checking Accounts
Share Certificates
Personal Loans
Credit Cards
Digital Banking
Community Programs
Loan Referrals
Financial Education
Highlights and features
- We provide 24/7 digital banking access for uninterrupted financial management
- Our NCUA-insured services guarantee secure financial transactions
- Community reinvestment programs support local Hawaii Island initiatives
- Competitive APY rates on share certificates and low APR loans available
- Personalized financial solutions tailored to Hawaii residents' needs
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Checking Accounts
Our checking accounts provide comprehensive financial management tools with no annual fees and convenient access to ATMs nationwide. Designed for everyday transactions, these accounts offer competitive features including mobile banking integration and personalized check ordering. Members benefit from dedicated customer support and flexible options tailored to individual spending habits and financial goals.
Share Certificates
Share certificates offer secure savings options with guaranteed returns through fixed-term deposits. Available in multiple maturity terms from 6 to 60 months, these instruments provide higher yields than traditional savings accounts while maintaining principal protection. Minimum deposits start at $2,500 with competitive APY rates that compound over the investment period.
Personal Loans
Flexible personal loans with terms up to 60 months provide funding for major purchases, debt consolidation, or unexpected expenses. Competitive APR rates starting at 5.75% with automatic payment discounts. Loan amounts up to $10,000 available with streamlined approval processes for qualified applicants meeting credit requirements.
Credit Cards
Visa credit cards combine purchasing power with rewards programs and financial flexibility. Options include Platinum cards with low APR and Signature cards offering cashback rewards. Features include zero liability protection, travel insurance, and exclusive member benefits with no annual fees for most products.
Community Programs
Community support initiatives focus on financial education and local development through partnerships with Hawaii Island organizations. Programs include the annual Kokua for Kupuna fundraiser and member referral rewards that strengthen community ties while providing tangible benefits to participants.
Questions
What types of checking accounts do you offer?
We offer multiple checking account options with no monthly maintenance fees, including standard accounts and premium options with additional benefits.
Are my deposits insured?
Yes, all deposits are insured up to applicable limits by the National Credit Union Administration (NCUA).
What loan terms are available?
Personal loans range from 12 to 60 months with competitive APR rates based on creditworthiness and term length.
Do you offer credit cards with rewards?
Our Visa Signature card provides 2% cash back and 30,000 CURewards points with qualifying purchases.
How can I join the credit union?
Membership is open to anyone living, working, or volunteering on Hawaii Island with a $50 minimum savings deposit.
Are there early withdrawal penalties?
Share certificates have penalties for early withdrawal that vary based on term length and current rates.
