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Where Caring Counts

"These guys remind me of the true aloha spirit of small kid time." - Kerry

Helping you reach your goals is what what we're all about!

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Popular Rates

Share Certificates

6 Months 4.85 % APY1

Personal Loan

12 Months 5.75 % APR2

HFS Visa Platinum®

Credit Card 14.00 % APR3

Yeah, YOU!

On February 28, 2024, we celebrate you. Who? Yeah, you! Members who visit any one of our branches will receive a gift! This is a small way to show our appreciation and to say "thank you" for being YOU!

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Pardon the Dust

Beginning mid-February, our Honoka'a Branch office will be undergoing building maintenance and construction. The project is estimated to last at least 6-7 weeks. Not to worry though, our branch will still be open.

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2024 HFS FCU Scholarship Program

Applications are now available for the 2024 HFS FCU Scholarship Program.

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Unwind with Share Certificate Rates that Put Your Mind at Ease

Let your money do the work by investing in a 6 Month Share Certificate at 4.85% APY!

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Refer a Friend

Do you know someone who would be a great addition the HFS ‘ohana? Want to share all the benefits of being a member and get rewarded? Our new Refer a Friend Program lets you do just that! Simply refer a new member and you both will receive $25!

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Hilo

 

Honoka’a

 

Kea’au

 

Kona Coast

Prince Kuhio Plaza

Waimea

  • 1 APY= Annual Percentage Yield. A minimum deposit of $2,500.00 is required to earn the stated APY. The stated APY is based on a 6 month term. Other terms and yields available. The dividend rate and the APY are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the APY is based on an assumption that dividends will remain on deposit until maturity. Share Certificates may be subject to a penalty for early withdrawal. Fees may reduce earnings. Dividend rates subject to change. The dividend rate and the APY are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the APY is based on an assumption that dividends will remain on deposit until maturity. Share Certificates may be subject to a penalty for early withdrawal. Fees may reduce earnings. Dividend rates subject to change. A minimum deposit of $2,500.00 is required to earn the stated Annual Percentage Yield (APY).

    2 APR=Annual Percentage Rate. Rates are effective as of February 1, 2024. The 5.75% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments. Monthly payments at 5.75% APR for 12 months will be $863.58 per $10,000.00 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms are available. Applications may be submitted online or at any HFS FCU branch location. Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.

    3If you would like a Credit Card application mailed to you, please call HFS Federal Credit Union at 808-930-1400. 3APR= Annual Percentage Rate. Rate is 14.00% APR as of October 1, 2023. The stated rate of 14.00% APR is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 5.50%. The APR may be adjusted quarterly on the first day of January, April, July and October with a maximum rate of 18%. The index value is determined as of 10 days before the date of any annual percentage rate adjustment. The current index value is 8.50% as of 10/01/2023. All Credit Cards are subject to credit approval. Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.