HawaiiUSA Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 1.00% | Reward Checking | 2.15% - National Average |
| 1.50% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
| 0.65% | 1-year CD | 2.75% - Barclays 12 Month Online CD |
HawaiiUSA Federal Credit Union is headquartered in Honolulu and is the largest credit union in the state of Hawaii. It is also the 161st largest credit union in the nation. It was established in 1936 and as of December of 2018, it had grown to 355 employees and 127,217 members at 14 locations. HawaiiUSA Federal Credit Union's CD rates are 11% higher than the national average, and it 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.
See current membership details
Related Posts
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
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
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!
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 1815 |
| Year Chartered | 1936 |
| Employees | 355 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.58% |
| Return on Equity - YTD | 5.09% |
| Annual Interest Income | $59.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.68B$1.66B |
| Loans | Q4 2018vs Q4 2017 | $883.9MM$756.1MM |
| Deposits | Q4 2018vs Q4 2017 | $1.47B$1.45B |
| Equity Capital | Q4 2018vs Q4 2017 | $190.8MM$185.2MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $23.0MM$16.4MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $8.8MM$4.5MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not HawaiiUSA Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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% | - | $5k | Christmas Share | ||
| 0.25%* | $35k* | - | Super Share Account | ||
| OTHER TIERS: 0.20% → $10k - $35k | |||||
| 0.25%* | $35k* | - | Business Super Share | ||
| OTHER TIERS: 0.20% → $10k - $35k | |||||
| 0.15% | $5 | - | Share Savings | ||
| 0.15% | $100 | - | IRA Share | ||
| 0.15% | - | - | Business Share | ||
| 0.15% | $25 | - | Secondary Shares | ||
| 0.15% | $25 | - | Safari Club | ||
| 0.15% | $25 | - | Jump Start | ||
HawaiiUSA Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.55%* | $1m* | - | Business Money Market Account | ||
| OTHER TIERS: 0.15% → Up to $50k | 0.30% → $50k - $75k | 0.35% → $75k - $100k | 0.40% → $100k - $500k | 0.45% → $500k - $1m | |||||
| 0.35%* | $100k* | - | Premium Money Market Account | ||
| OTHER TIERS: 0.15% → Up to $50k | 0.25% → $50k - $75k | 0.30% → $75k - $100k | |||||
HawaiiUSA Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | - | $10k | eLife Checking | ||
| OTHER TIERS: 0.10% → $10k+ | |||||
| 0.05% | $1k | - | SuperDraft Checking | ||
HawaiiUSA Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.50% | $500 | - | 5 Year Share Certificate | |
| 1.25% | $500 | - | 3 Year Share Certificate | |
| 1.15% | $2.5k | - | 24 Month Member Advantage Share Certificate | |
| 1.10% | $25k | - | 18 Month Income Share Certificate | |
| 1.05% | $500 | - | 18 Month Share Certificate | |
| 1.00% | $500 | - | 1 Year Share Certificate | |
| 0.75% | $500 | - | 6 Month Share Certificate | |
| 0.65% | $100k | - | 1 Year Jumbo Share Certificate | |
| 0.50% | $100k | - | 6 Month Jumbo Share Certificate | |
| 0.50% | $2.5k | - | Business 2 Year Share Certificate | |
| 0.45% | $500 | - | Business 3 Year Share Certificate | |
| 0.45% | $500 | - | Business 5 Year Share Certificate | |
| 0.40% | $100k | - | 60 - 89 Day Jumbo Share Certificate | |
| 0.40% | $100k | - | Business 1 Year Jumbo Share Certificate | |
| 0.40% | $25k | - | Business 18 Month Income Share Certificate | |
| 0.35% | $500 | - | Business 1 Year Share Certificate | |
| 0.35% | $500 | - | Business 18 Month Share Certificate | |
| 0.25% | $100k | - | Business 6 Month Jumbo Share Certificate | |
| 0.20% | $500 | - | Business 6 Month Share Certificate | |
| 0.15% | $100k | - | Business 60 - 89 Day Jumbo Share Certificate |
