Hawaii FCU’s routing number is 321379083.
First credit to: Catalyst Corporate FCU
ABA/Routing #: 311990511
Further credit to: Hawaii Federal Credit Union
ABA/Routing #: 321379083
Final credit to: Your name
Account #: Your account number
Hawaiʻi Federal Credit Union proudly serves members at our two branch locations:
• Kalihi Branch: 1244 Kaumualii Street, Honolulu, HI 96817
• Waipahu Branch: 94-060 Farrington Highway, Unit D3, Waipahu, HI 96797
If you're unable to visit one of our branches, we're also part of the Shared Branch network, which allows you to complete select transactions at participating credit unions throughout Hawaiʻi and across the United States.
To find a Shared Branch location in Hawaiʻi, visit www.hicuso.com. For Shared Branch locations outside of Hawaiʻi, visit www.co-opcreditunions.org.
Yes. Debit cards have a daily aggregate withdrawal limit of $1,005 for all Point-of-Sale transactions (POS) and $505 for all ATM withdrawals.
Yes. Please notify us if you will be travelling outside of Hawaii to avoid any disruptions with your ATM card, Debit card or Credit Card.
For ATM/Debit cards, please call 1 (800) 472-3272.
For Credit cards, please call 1 (866) 820-6819.
Yes. To change your PIN, please call (800) 757-9848. You will be asked several authentication questions.
To get your account balance, please access PAL (Personal Access Line) at our Toll-free number 1 (800) 310-9397.
Yes. We ask that you give us at least 24-hour notice for all cash requests of $5,000 or more.
There are multiple ways you can do:
- Online Banking: Log in and update your information.
- Email: Email us your updated information with your most recent ID.
- Mail: Send us a request letter with your current ID and new detail information information to:
Hawaii FCU
Attn: Member Services
1244 Kaumualii St.
Honolulu, HI 96817
Your account is charged an Inactive Fee when it has had no activity within 24 months and the balance is less than $1,000.
Our Courtesy pay Privilege program establishes a safety net for your Checking account, enabling us to process your items at our discretion on those infrequent occasions when doing so may create a negative account balance. Please contact us at (808) 847-1371, or Toll-Free 1 (800) 433-8698 option 3 for program details.
Yes, Hawaii FCU offers free notary services to its members. Please call us at (808) 847-1371 or toll free 1 (800) 433-8698 option 3 to schedule an appointment. Notaries are subject to availability. There is a fee to non-members.
Yes. Please call us at (808) 847-1371 or toll free 1 (800) 433-8698 option 3 to schedule an appointment. This is only available to Hawaii FCU members.
Regulation D or Reg D is a Federal Reserve board regulation that limits the number of pre-authorized/automatic/telephonic withdrawals and transfers from a savings or money market account to six per month. Transactions done at a branch or ATM machine are not counted.
Ultimately, you can reduce how much you pay toward your personal loan, if you calculate the right amount of money to pay each month. This calculator will help you see how long it will take to pay off your personal loan using your loan’s interest rate and the amount owed.
First, enter the balance for your personal loan and a down payment amount. Then, adjust the Loan Term and Interest Rate sliders to reflect the details on your personal loan. When finished, adjust the Added Monthly Amount slider to reflect how much you can save by paying above the minimum payment.
Buying a car is exciting, but a little preparation before you head to the dealership can help you make a more confident financial decision.
Know Your Budget: There’s more to affordability than the monthly payment. Consider your down payment, insurance, fuel, maintenance and other expenses when deciding how much vehicle fits comfortably within your budget.
Understand the Financing: A lower monthly payment doesn’t always mean a better deal. Compare the APR, loan term and total amount you’ll pay over the life of the loan. A longer term may reduce your monthly payment but can increase your overall borrowing cost.
Get Financing Lined Up Before You Shop: Knowing your financing options ahead of time can give you a clearer picture of what you can afford and help you focus on finding the right vehicle instead of figuring out financing at the dealership.
Ready to start shopping? Talk with Hawaiʻi Federal Credit Union first. We can help you explore your financing options before you hit the lot.
There isn’t just one reason that people fall into debt. It’s a complex issue and solutions aren’t one-size-fits-all. Discover how to start managing your debt with these tips and tools.
When looking for a new car, you have three main options: buy used, buy new, or lease.
There are pros and cons to each method. Your choice will be based on various financial considerations, driving habits, and personal preference.
Your credit score may seem random, but it tells lenders and other creditors a lot about your financial behavior. It’s calculated from a mix of factors in your credit report and suggests how likely you are to fulfill financial obligations, such as a lease or loan.
When shopping for a car, it's usually best to start by shopping for a car loan. Get prequalified at Hawaii FCU before you step on the lot!
When you’re shopping for a car loan, remember that what it costs you to borrow depends on three things:
- The finance charge, expressed as an annual percentage rate (APR)
- The term, or length of time the loan lasts
- The principal, or amount you borrow
Time for a new vehicle? It's wise to start with what you can afford and not just what you want to drive. This calculator will show you the sweet spot between what you want and what you can afford.
Enter a preferred monthly payment, your down payment (cash you have on hand or trade-in value), the loan term you want, and the interest rate you hope to get.
Personal loans can provide flexibility for a variety of needs, including:
• Consolidating higher-interest debt
• Unexpected expenses
• Home improvement projects
• Education expenses
• Travel
• Major purchases
• Other eligible personal expenses
Unlike a credit card or revolving line of credit, a fixed-rate personal loan can provide a defined repayment period and predictable monthly principal and interest payments.