Aloha, e komo mai! Welcome to the online branch of Hawaii Federal Credit Union. We're happy that you've stopped by to visit with us.

Hawaii Federal Credit Union proudly serves those who live, work, worship or attend school on the Island of Oahu.

Our members are all owners of Hawaii Federal Credit Union, so we take pride in developing lifelong relationships with them. We take pride in providing a wide range of exceptional financial services and products that offer convenience and accessibility for our members.

We strive to be a trusted financial advisor whom our members can depend on to assist them with achieving their financial goals.

Please browse our online branch to learn more about Hawaii Federal Credit Union, or come visit us at our Main Office at 1244 Kaumualii Street in Kalihi.

Cindy Geiling
President and CEO


Hawaii Federal Credit Union was originally chartered in 1937 as Honolulu Construction and Draying Federal Credit Union by eight employees of HC&D. By 1976, the credit union had grown to $2.9 million.

In 1978, things began to change. The Field of Membership was changed to a community charter serving the West Honolulu area and the name was changed to Hawaii Federal Credit Union.

Since that time, we have merged with several credit unions. Today we serve over 13,000 members and anyone that lives, works, or attend school on Oahu is eligible to join.


The credit union idea is a simple one: People should be able to pool their money and make loans to each other. It's an idea that evolved from cooperative activities in 19th century Europe.

Since that time, the idea's guiding principles have remained the same:(1) Only people who are credit union members should borrow there; (2) loans are made for 'prudent and productive' purposes; (3) a person's desire to repay (character) is considered more important than the ability (income) to repay. Members are, after all, borrowing their own money and that of their friends. These principles still govern most of the world's credit unions.

As the 20th century began, the credit union idea surfaced in Canada. Canada's successful efforts profoundly influenced two Americans: Pierre Jay, the Massachusetts banking commissioner, and Edward A. Filene, a Boston merchant.

The two men helped organize public hearings on credit union legislation in Massachusetts, leading to passage of the first state credit union act in 1909.

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