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HawaiiUSA Federal Credit Union

Popular Accounts at this Credit Union

0.85%Reward CheckingeLife Checking
1.25%5-year CD5 Year Share Certificate
0.35%1-year CD1 Year Share Certificate

Overview / Commentary
1226 College Walk
Honolulu, HI 96817

HawaiiUSA Federal Credit Union is headquartered in Honolulu and is the largest credit union in the state of Hawaii. It is also the 149th largest credit union in the nation. It was established in 1936 and as of September of 2017, it had grown to 337 employees and 124,410 members at 14 locations. HawaiiUSA Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership in HawaiiUSA Federal Credit Union is open to those who are in the field of education as an employee, retiree, student or student's parent in a majority of Oahu and Maui schools, pre-K through 12th grade, or affiliated with over 4900 Select Employee Groups.
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Reviews (3)

very solid credit union

I've been banking with HawaiiUSA FCU for the past 9 years. What keeps me going back is the amazing customer service I receive from a local bank. My main banking location of choice is the Pearl City location which always has quick and friendly service. I have a checking, savings and credit card through this institution and am satisfied with all of them. The credit card offers a very low interest rate which I am very happy with.

Hawaii USA Credit Union

Posted by: CJ79 | May 30, 2016

Hawaii USA has been my credit union for about 15 years. They've been dependable institution even though I only visit them once every few years. Their customer service is always friendly and helpful. As I was transitioning from a joint to a single account, on of the service reps sat us down and walked us through all the options and assisted with making the transition. They also took the time to note some additional fees that were on my account due to ATM withdrawals I had made. They kindly refunded all of the fees to me.

My only negative issues with Hawaii USA has been the online experience. Up until recently their desktop and mobile sites were clunky and difficult to access by inputting passwords and usernames. The UI on both sites was not very user friendly. They have recently updated this, and added a mobile app which has improved the experience greatly.

Overall, a great Credit Union to work with. My experience at the branches were positive, and now that they have updated their e-presence, they provide a much better internet experience as well.

Very Poor Customer Service

Posted by: Anonymous | Oct 17, 2012

I think the employees are not happy at their jobs because they have zero customer service skills. When I asked to speak with a manager, the response I received was "We don't have any managers right now, just supervisors." Huh?!?!?! In my experience, when someone asks to speak with a manager, they want to speak with anyone with more authority than the customer service person who answered the phone. Don't quibble about titles.

When I am complaining, don't ask "How is this our fault?", ask "How can I help to make this right?" Don't tell me: "you can either come in or go to our website and complete dispute forms." Tell me: "let's find out where the problem is" or "let me look into this and give you a call back." Yes, the customer isn't always right, but with the right customer service attitude, you will keep your members instead of shoving them out the door/off the phone!


Health Grade Components

NCUA #1815
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD5.59%
Annual Interest Income$36.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.64B$1.58B
LoansQ3 2017vs Q3 2016$712.5MM$622.0MM
DepositsQ3 2017vs Q3 2016$1.44B$1.38B
Equity CapitalQ3 2017vs Q3 2016$184.9MM$180.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$15.1MM$14.5MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$3.0MM$2.3MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

HawaiiUSA Federal Credit Union Savings Account Rates

1.05%*$10k*-Health Savings Account
OTHER TIERS: 0.55% Up to $1k | 0.65% $1k - $2k | 0.75% $2k - $5k | 0.85% $5k - $10k
0.40%-$5kChristmas Share
0.20%*$35k*-Super Share Account
OTHER TIERS: 0.15% $10k - $35k
0.20%*$35k*-Business Super Share
OTHER TIERS: 0.15% $10k - $35k
0.10%--Share Savings
0.10%$100-Roth IRA Share
0.10%$100-IRA Share
0.10%--Business Share
0.10%$25-Secondary Shares
0.10%$25-Safari Club
0.10%$25-Jump Start

HawaiiUSA Federal Credit Union Money Market Rates

0.50%*$1m*-Business Money Market Account
OTHER TIERS: 0.10% Up to $50k | 0.25% $50k - $75k | 0.30% $75k - $100k | 0.35% $100k - $500k | 0.40% $500k - $1mm
0.30%*$100k*-Premium Money Market Account
OTHER TIERS: 0.10% Up to $50k | 0.20% $50k - $75k | 0.25% $75k - $100k

HawaiiUSA Federal Credit Union Checking Account Rates

0.85%*-$10keLife Checking
OTHER TIERS: 0.10% $10k+
0.05%$1k-SuperDraft Checking

HawaiiUSA Federal Credit Union CD Rates

1.25%$500-5 Year Share Certificate
1.00%$500-3 Year Share Certificate
0.50%$2,500-24 Month Member Advantage Share Certificate
0.50%$2,500-Business 2 Year Share Certificate
0.45%$500-Business 3 Year Share Certificate
0.45%$500-Business 5 Year Share Certificate
0.40%$25k-18 Month Income Share Certificate
0.40%$100k-1 Year Jumbo Share Certificate
0.40%$100k-Business 1 Year Jumbo Share Certificate
0.40%$25k-Business 18 Month Income Share Certificate
0.35%$500-1 Year Share Certificate
0.35%$500-18 Month Share Certificate
0.35%$500-Business 1 Year Share Certificate
0.35%$500-Business 18 Month Share Certificate
0.25%$100k-6 Month Jumbo Share Certificate
0.25%$100k-Business 6 Month Jumbo Share Certificate
0.20%$500-6 Month Share Certificate
0.20%$500-Business 6 Month Share Certificate
0.15%$100k-60 - 89 Day Jumbo Share Certificate
0.15%$100k-Business 60 - 89 Day Jumbo Share Certificate