LOG IN PERSONAL BUSINESS PERKS COMMUNITY RATES LOG IN BEING A MEMBER Supporting Your Financial Well-Being Being a Member As a member owned, cooperative financial institution, we live within our financial means with profits coming right back to our members in the form of dividends and higher returns on savings. At Hawaii Central, we strongly believe in helping our members achieve their financial goals and continue to seek ways to minimize fees to you, provide better loan and deposit rates, and find opportunities to provide financial education for you and our community. Personal Accounts Savings Accounts From competitive rates to minimal fees, Hawaii Central offers products that fit your individual needs. We are here to help you reach your goals. LEARN MORE Share Certificate Accounts With a minimum of $500, you can lock in your earnings with a Share Certificate. A variety of term lengths are available to suit your financial needs. LEARN MORE Individual Retirement Accounts Save for retirement and take advantage of the tax benefits an IRA could offer. You’ll be amazed at how fast your account may grow. LEARN MORE Checking Account With a Share Draft Account, you can use your money how you wish with unlimited transactions, and no minimum balance, all while earning dividends. LEARN MORE Financing with Your Future in Mind We have a variety of loans to meet your borrowing needs. Through an easy application process, we can help you finance everything from home improvements and education to a new car. Our friendly and helpful staff is available to answer any questions you may have and is there to ensure a smooth process from start to finish. See Rates Take advantage of Hawaii Central’s competitive loan and savings rates. LEARN MORE Personal Loans We offer personal loans at competitive rates with our quick and simple application process. Apply online or in-person for a personal loan when you need extra money for any purpose. LEARN MORE Lines of Credit Our lines of credit allow you the flexibility to have access to funds whenever you need it. Our Line of Credit can be linked to your Share Draft Checking Account. LEARN MORE Student Loans Financing your 4-year public or private non-profit education? Our private student loan can help. Apply once and on annual approval, your line of credit is good for at least four years. LEARN MORE Auto Loans Our auto loans make buying your next vehicle easier. With a variety of term lengths for your new or used ride, our competitive rates make your auto loans easy to repay. LEARN MORE Home Loans With low mortgage interest rates, now might be the perfect time to see if you can refinance at a lower rate or become a new homeowner. Out Mortgage Loans offer competitive rates and an experienced staff that will help you achieve your goals. LEARN MORE Get Started with Online Banking Hawaii Central offers “It’s Me 247” online banking that provides you convenient access to your accounts. Check your balances, transfer funds and make loan payments, 24 hours a day, any day of the year! ENROLL NOW Manage Your Accounts on the Go with Our Mobile App Our Hawaii Central mobile app provides members convenient access to our website, mobile check deposit, mobile banking, branch and contact information, and more. Download Today! Shared Branching Use over 5,000 nationwide credit union offices including over 60 local credit union offices that participate in the Shared Branching Network, for transactions including withdrawals, deposits and loan payments. ATM Access You can access your Hawaii Central account with no fee at over 200 First Hawaiian Bank ATMs throughout Hawaii and more than 30,000 CO-OP ATMs nationwide. LEARN MORE Member Perks Having a membership at Hawaii Central comes with an assortment of benefits including: educational workshops, Western Union, money orders, no cost coin counting machine, deals and discounts. Members can also receive exclusive perks through Love My Credit Union Rewards. LEARN MORE Debit & Credit Cards VISA® Credit Card Our Visa Platinum Cash Rewards Credit Card earns you cash rewards every year! Why wait years to save up reward points when you can automatically get rewarded every year reeling in your spent dollars back into your pocket. LEARN MORE VISA® Debit Card Our Visa Debit Card offers members the convenience of a checkbook and ATM card in one. Use it for purchases at merchants displaying the Visa logo and the purchase amount will be withdrawn from your Share Draft Checking Account. LEARN MORE MAIN BRANCH 681 South King Street Honolulu, Hawaii 96813 HARKNESS BRANCH 1301 Punchbowl Street Harkness Annex, Room 139 WEST OAHU BRANCH Temporarily Closed MEMBER SERVICES (808) 536-3677 CONSUMER LOANS (808) 536-0833 REAL ESTATE LOANS (808) 529-4599 NMLS#412820 HOURS & ATMS MEMBERSHIP CONSUMER RATES & FEES BUSINESS RATES & FEES CAREERS PRIVACY POLICY Your savings are federally insured to at least $250,000. National Credit Union Administration, a U.S. Government Agency. Deposits additionally insured up to $500,000 by Excess Share Insurance. © 2021 Hawaii Central Federal Credit Union. All Rights Reserved Creative Range by Live Chat