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Why Choose HFS?

"They treat you like family. Lots of aloha."

- Manuel


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

Our Credit Union started with very humble beginnings; a group of nine individuals came together to meet one simple need: making credit available to those with small means. Eighty-six years later, HFS still holds onto its same sense of ‘ohana with a deep desire to help those in our community to succeed and grow. At HFS FCU we believe that the success of our credit union comes from your success. Read more


The largest Hawai‘i Island credit union with over $800 million in assets.


Find reliability in our longevity. HFS was organized on January 4, 1937.


Island-wide convenience with six branches.


Offering the financial products and services you need


Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai‘i.


Serving over 50,000 members sharing a common bond to the island.

Banking without bankers

Big banks are too often making headlines for bad behavior. Consumers need a better option. They need credit unions. Feel good about your choice in banking - become a member of a credit union.

The Credit Union Difference

This organization is a not-for-profit credit union focused on benefiting its members through low loan rates, high savings rates, governed by a volunteer board, and prioritizes financial education and meeting member needs.

Frequently asked questions

  • Individuals meeting one of the qualifications below are eligible to become a member of the Credit Union.

    • Persons who live on the Island of Hawaii
    • Persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the Island of Hawaii
    • Persons participating in programs to alleviate poverty or distress which are located on the Island of Hawaii
    • Incorporated and unincorporated organizations located on the Island of Hawaii, or maintaining a facility on the Island of Hawaii
    • Spouse of persons who died while within the field of membership of this credit union
    • Employees of this credit union
    • Members of their immediate families* or households; and organizations of such persons.
  • To become a member of HFS, you must have at least a Savings Account. The following documents are needed to open your account:

    • Valid government issued picture identification
    • Social Security Number
    • Proof of physical address
    • $50 minimum deposit
  • The HFS routing number is 321378660.

Become a member

Experience the credit union difference! Complete your application online or visit your nearest HFS branch.

  • A minimum opening balance of $50.00 is required to open a savings account.