Business Details
Your Trusted Financial Partner in Hilo, HI
HFS Federal Credit Union has been dedicated to providing personalized financial solutions to residents of Hawaii Island since its founding. With a focus on community-driven banking, we offer a comprehensive range of services including checking and savings accounts, personal and mortgage loans, credit cards, and investment products. Our team of experienced professionals prioritizes member satisfaction through transparent communication, competitive rates, and tailored financial guidance.Committed to fostering long-term relationships, we leverage cutting-edge digital tools while maintaining the personal touch of local branch services. Backed by NCUA insurance and a member-centric philosophy, we strive to empower individuals and families to achieve their financial goals through innovative products like our CURewards credit card program and referral incentives.
Services
Checking Accounts
Savings Accounts
Personal Loans
Credit Cards
Mortgage Loans
Share Certificates
Online Banking
Mobile Deposit
ATM Network
Financial Education
Highlights and features
- We offer 24/7 digital banking access with mobile deposit capabilities
- Our local expertise serves Hawaii Island communities exclusively
- NCUA-insured accounts protect member deposits up to $250,000
- We provide personalized loan guidance with transparent terms
- Our CURewards credit card program offers cashback incentives
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Timely responses
Transparent communication
Smooth process
Services
Checking Accounts
Our checking accounts provide convenient financial management with no monthly maintenance fees. Members enjoy features like free online bill pay, mobile check deposit, and nationwide ATM access. Designed for everyday use, these accounts offer security and flexibility for personal and business needs.
Share Certificates
Share certificates offer competitive APYs with terms from 6 to 60 months. Minimum $2,500 deposit earns fixed rates that compound dividends. Early withdrawal penalties apply, but these instruments provide secure growth for savings goals.
Personal Loans
Personal loans available up to 60-month terms with fixed APRs starting at 5.75%. Funds can be used for debt consolidation, major purchases, or unexpected expenses. Quick approval process with automatic payment discounts available.
Credit Cards
Visa Platinum and Signature credit cards offer cashback rewards and introductory APRs. Features include zero liability protection, mobile wallet integration, and balance transfer options. Variable rates tied to Prime Index with clear fee structures.
Mortgage Loans
We provide construction, purchase, and refinance mortgage options including HELOCs and solar energy loans. Competitive rates for primary residences and investment properties with personalized underwriting and local decision-making.
Questions
How do I become a member?
Membership requires living, working, or affiliating on Hawaii Island. Open a savings account with $50 to join through our online application or branch locations.
What digital banking options exist?
We offer 24/7 online banking with bill pay, mobile check deposit, and account management through our app. Temporary outages occur during scheduled maintenance periods.
Are there loan rate discounts?
Automatic payments earn 0.25% APR discount on personal loans. Credit card holders receive introductory rates for balance transfers and cashback rewards.
How are rates determined?
Rates depend on market conditions, loan terms, and creditworthiness. Share certificate rates fix for term while credit card APRs vary with Prime Rate changes.
What locations serve members?
We operate branches in Hilo, Kona Coast, Honoka'a, Kea'au, Prince Kuhio Plaza, and Waimea with surcharge-free access to Bank of Hawaii ATMs statewide.
