HawaiiUSA Federal Credit Union is a member-owned financial cooperative serving residents and employees within its field of membership in Hawaii. Founded to provide accessible financial services through a cooperative model, the organization emphasizes democratic governance, with each member holding a voting stake in the credit union’s direction and policy. Its history reflects transitions typical of community-focused credit unions, expanding from localized savings and lending activities toward broader financial services while maintaining a nonprofit, member-benefit orientation.
The credit union’s primary functions include accepting deposits, granting loans, and offering payment and savings products designed to promote financial stability for members. Operational scope typically encompasses personal and small-business banking services, while emphasizing serving the financial needs of individuals and families in its community. By focusing on responsible lending practices, prudent capital management, and accessible financial access, HawaiiUSA Federal Credit Union aims to support member welfare and financial resilience within its service area. The institution operates within the regulatory framework governing federally insured depository institutions.
Better than 33% of providers in Hilo
In addition to the primary service, HawaiiUSA Federal Credit Union also offers:
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HawaiiUSA Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
HawaiiUSA Federal Credit Union is listed as a financial service provider in Hilo, HI and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask HawaiiUSA Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from HawaiiUSA Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare HawaiiUSA Federal Credit Union with other providers in Hilo and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
HawaiiUSA Federal Credit Union has a rating of 3.5, which is better than 33% of providers in Hilo.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents HawaiiUSA Federal Credit Union requests. It is always best to call ahead using the phone number on this page so HawaiiUSA Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, HawaiiUSA Federal Credit Union also offers: Credit union, Bank, Business banking service, Financial consultant, Loan agency.