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HawaiiUSA Federal Credit Union

Popular Accounts at this Credit Union

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

Overview / Commentary
808-534-4300
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 143rd largest credit union in the nation. It was established in 1936 and as of June of 2016, it had grown to 326 employees and 123,361 members at 14 locations. HawaiiUSA Federal Credit Union has an A+ health rating.

Field of Membership Restrictions

Membership 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, a member of one of the Select Employee Groups, or a current business in Hawaii.
See current membership details

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Reviews (2)

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
A+

Health Grade Components

Overall
NCUA #1815
Year Chartered1936
Employees326
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD6.1%
Annual Interest Income$21.7MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$1.56B$1.48B
LoansQ2 2016vs Q2 2015$590.3MM$529.4MM
DepositsQ2 2016vs Q2 2015$1.37B$1.29B
Equity CapitalQ2 2016vs Q2 2015$177.7MM$163.0MM
Loan Loss AllowanceQ2 2016vs Q2 2015$15.8MM$14.8MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.3MM$1.8MM
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

HawaiiUSA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

HawaiiUSA Federal Credit Union has 14 locations. Click to view all HawaiiUSA Federal Credit Union locations.