In Review: Hawaii Community Federal Credit Union

Updated: Dec 23, 2020

Mahalo: A review of a local credit union that has been serving the Hawaiian community honorably since 1936

By: Allan R Kirby

Credit Unions are often considered geographically small, irrelevant, and just do not have the depth and breadth of services that big banks have to succeed in today's technology-driven world. believes differently.

In fact, believes Credit Unions provide a superior customer service experience; with attractive products and services while also providing its members competitive savings and mortgage rates. Additionally, Credit Unions provide critical support to small business owners and the agricultural community which is often left behind by the big banks. For example, by leverage local deposits from its members, local Credit Unions can provide loans back to local businesses and customers from the same community. A win for the entire community. feels compelled to find the best credit unions and community banks in order to write a small review. These reviews are to help you learn more about community banks, possibly one that's in your area that you might be interested in. In this review we are choosing the following local Credit Union:

Name: Hawaii Community Federal Credit Union

Location: Island of Hawaii (Big Island).

Headquartered: Kailua Kona.

Branches: 6.

Year Established: 1936.


Hawaii Community Federal Credit Union has been around since the Great Depression, in fact as noted on their website, The Credit Union was formed by ten struggling coffee farmers in the midst of the Great Depression after banks refused them loans and services. The Kona Farmers Federal Credit Union started as a one-room operation to support their needs for loans and additional financial services. Within three years the Credit union had expanded to include members of the local community and this is when (1939) they changed the name to the Kona Community Federal Credit Union.

Hawaii is one of only two states able to grow coffee commercially, It's mainly produced in the Kona Coffee Belt, a 30 mile 2-3 miles deep strip of land with possibly the best growing conditions for coffee in the world.

Kona Community Federal Credit Union then merged with Kohala Federal Credit Union in 1982, further expanding their foothold on Hawaiian Island. Finally, in 1992, the credit union changed its name to become Hawaii Community Federal Credit Union, a name still used today. The Credit Union has continued to expand its membership while also supporting the community they serve. Today HCFCU has over 42,700 members and over $550 million in Assets. ibanknet; additionally Hawaii Community Federal Credit Union is a federally insured credit union through NCUA (Note 1).

Reviews: did take the time to read reviews on Hawaii Community Federal Credit Union knowing that reviews only provide a partial picture of the Credit Union. What we mean by this is that reviews do not always reflect the true banking experience you will receive at one of their branches.

Hawaii Community Federal Credit Union reviews, specifically on google were overall very positive and highly rated. We took the excellent ratings to mean members do appreciate banking with this credit union. A big plus in our opinion and is why we wrote about Hawaii Community Federal Credit Union. We also did try and find information on employee reviews, but did not find enough information to get an accurate understanding of what it's like to work at the credit union. We believe this is actually positive because reviews at times can be skewed more negatively.

"More knowledge empowers our 'ohana", and we could not agree more, Hawaii Community Federal Credit union has a clear focus on helping educate members. This is done through their educational resources such as free community seminars to help attendees learn how to improve their finances. They also have youth financial education and resources to help kids learn more about credit unions and banking.

Given the customer reviews along with their learning tools, which focus on helping members, the public, as well as youths, improve their financial wellbeing; We are giving Hawaii Community Federal CU a designation of Excellent choice, Credit Union (Note 2). If you're looking for a great community-based credit union and you live or plan to live on the Island of Hawaii (Big Island), this could be a great financial institution for you.

The following provides additional information on Hawaii Community Federal Credit Union's services, branches as well as fees.

Services Offered:

Full-Service Credit Union: Yes

Part of the CO-OP Shared Branch network: Yes

Banking: Checking/Savings.

Investing: Yes.

Credit Union Loans: Mortgage, Auto, Home Equity, Personal and Educational.

Credit Card: Visa.

Small Business: Banking and Loan Services offered.

Safe Deposit Boxes: Yes except (Honokaa location).

Routing Number: 321379818

Credit Union Online

Online and Mobile Banking: Yes

Hawaii Community Federal CU Branch Locations:

1. HIlo, HI

2. Honokaa, HI

3. Kaloko, HI

4. Kailua Kona, HI

5. Kealakekua, HI

6. Kohala, HI

(Check location for hours of service).

Fee Schedule:

Yes: Click Here

Learn more:

Hawaii Community Federal Credit Union NewsLetter


Main Number: (808) 930-7700 Toll-Free: (800) 514-2328 TTY: (808) 329-8192

Mailing Address

73-5611 Olowalu Street Kailua Kona, HI 96740


1. The National Credit Union Administration (NCUA) is one of two agencies that provide deposit insurance to depositors in U.S. depository institutions. NCUA's standard maximum share insurance amount at $250,000.00

2. Periodically will name a credit union as a top choice (Top credit union) based on a number of criteria such as customer and employee reviews, complaints, satisfaction, growth, locations, brand, and social responsibility. We only select the best credit unions, so they must meet minimum standards of excellences (Excellent Choice) in order to be reviewed by

In Review is a segment of the blog written by Allan R Kirby, who writes and produces Personal Finance articles and videos along with My Success Magazine.

Disclosure: nor the author received any compensation from the mentioned credit union for this article. The article is our opinion only and is written to help readers learn more about local credit unions. Every credit union we review is notified via email at the time of publication.