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Honolulu FCU - Services & Benefits

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Compare Dealer Financing!

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Non-Surcharge ATM Locations

Account Types

Savings Accounts

  • Regular Shares: This is the primary membership savings account of the credit union, with a low $5 minimum balance. Each primary member has one vote to elect the Board of Directors.
  • Shares Plus: A money market savings account that allows you to earn more through tiered rates, based on your account balance. The minimum to open an account is $2,000. There are no fees for Higher rates are paid for balances of $5,000 to $49,999.99; balances of $50,000 to $99,999.99; balances of $100,000 to $499,999.99; and balances $500,000.00 and greater.
  • Christmas Savings: Your Christmas savings are paid out in October. There are no penalties for early withdrawals.
  • Trust Accounts: Individual or Joint Revocable Living Trusts are accepted subject to review. The Settler Trustee must be a member.

Savings Certificates

  • Share Certificates: Certificate terms are from 6 months to 3 years. The minimum balance is $500, with monthly interest payments.
  • Super Certificates: Certificate terms are from 6 months to 3 years. The minimum balance is $10,000 ($6,000 for 2- and 3-year terms), with higher rates and monthly interest payments.

Individual Retirement Accounts and Roth IRAs

  • Individual Retirement Accounts and Roth IRAs: Tiered rates allow you to earn more based on your balance.

Checking Accounts

  • Share Draft Accounts: Share Draft Checking accounts pay interest and offer unlimited check writing.
  • Online Banking/BillPayer: This service allow Internet access to your account and allows you to view statements and history as well as transfer between share accounts and loan accounts and pay your bills. There is no monthly or transaction fee for this service.
  • Instant Phone Service: This allows you to transfer funds between accounts via the telephone. Toll free, 24 hour access to your account.
  • Debit VISA Card: This allows you to pay at retail outlets from your share draft account without writing a share draft.
  • Important Information:
    To report a lost or stolen HFCU VISA Fast Check Card:
          Monday through Friday (except holidays), 8:00 AM to 4:00 PM,
                (808) 486-7554
          After business hours, or on weekends and holidays,
                (800) 472-3272

HFCU is a federally-chartered credit union under the regulatory oversight of the National Credit Union Administration (NCUA), a U.S. Government agency. Member accounts are insured by the NCUA up to $250,000 per account.


Loan Types

Consumer Loans

  • Auto Loans: One of the lowest rates in town with convenient repayment terms up to 7 years for new with 100% financing of invoice and 6 years for used cars with 80% financing of retail blue book/appraisal. If rates decline you can refinance your loan to the current used car loan rate to lower your rate and payments.
  • Signature Loans: Rates are as low as 5.50% APR* with terms from 1 to 5 years. Consolidate your bills into one convenient repayment.
  • Share Secured Loans: Our lowest interest rate loan at 2.50% above our regular share dividend rate.

Check out Hawaii Automotive Consumer Guide when shopping for a new or used automobile.

Compare Dealer Financing.

Loan Application

VISA Credit Card Programs

  • VISA Platinum Rewards Card: For each dollar you spend in purchases you can earn points towards your next trip or use the accumulated points to obtain great merchandise gifts! With a 9.75% APR* and No Annual Fee you will reap of all the benefits of a prestigious Platinum Card! As a Visa Platinum Cardholder you will enjoy $1,000,000 in Travel Accident Insurance, $300 in Baggage Delay Benefits, Warranty Manager Service, Travel & Emergency Assistance, Lost Luggage Reimbursement Insurance, Emergency Medical & Dental Coverage, Auto Rental Collision Damage Waiver Program, Online Account Access with payment options, an Annual Activity Summary, Optional Credit Disability Insurance and year-around No Fee Convenience and Balance Transfer Checks services. Members under 21 years of age must show proof of income to repay or apply with a Guarantor with proof of income.

    Apply Today - VISA Platinum Rewards Card

  • The VISA Gold Rewards Card provides you with a No Annual Fee Card and a low rate of 10.75% APR*. For each dollar you spend in purchases you can earn points towards your next trip or use the accumulated points to obtain great merchandise gifts. As a Visa Gold Cardholder, you will enjoy $500,000 in Travel Accident Insurance, $300 in Baggage Delay Benefits, Warranty Manager Service, Travel & Emergency Assistance, Auto Rental Collision Damage Waiver Program, and Online Account Access with payment options, Optional Credit Disability Insurance and year-around No Fee Convenience and Balance Transfer Checks services. Members under 21 years of age must show proof of income to repay or apply with a Guarantor with proof of income.

    Apply Today - VISA Gold Rewards Card

  • The VISA Classic Rewards Card provides you with a No Annual Fee Card and a low rate of 13.75% APR*. For each dollar you spend in purchases you can earn points towards your next trip or use the accumulated points to obtain great merchandise gifts. As a Visa Classic Cardholder, you will enjoy $200,000 in Travel Accident Insurance, $300 in Baggage Delay Benefits, Travel & Emergency Assistance, Auto Rental Collision Damage Waiver Program, and Online Account Access with payment options, $10,000 in free Loan Protection, Optional Credit Disability Insurance and year-around No Fee Convenience and Balance Transfer Checks services. Members under 21 years of age must show proof of income or apply with a Guarantor with proof of income.

    Apply Today - VISA Classic Rewards Card

* APR = Annual Percentage Rate.

  • Important Information
  • Toll-Free VISA Numbers
    VISA Card Services (US/Guam) and lost or stolen cards (800) 654-7728
    Hearing Impaired (US/Canada) (800) 221-7728
    For calls from international locations:
      Belgium 0800 11-766
      France 0800 90-1615
      Germany 01 308 10002
      Italy 800 897-089
      Japan 00531 11 1727
      Mexico 001 800 336-7728
      Panama 001 800 111-0038
      Philippines 800 1 111-9081
      Spain 900 99-1164
      United Kingdom (England) 0 800 897330
      For other countries not listed collect (410) 581-9994
    Dispute or Billing Inquiries


    Customer Service
    P.O. Box 31112
    Tampa, FL 33631-3112
    Payment Mailing Address


    HOCU
    P.O. Box 50005
    Honolulu, HI 96850-5005
    CU Rewards Web Access

Home Equity Loans

  • Home Equity Line of Credit (Owner Occupied): Exclusive 18 year repayment terms with payments scheduled on the 10th of every month, our convenience of the Home Equity LOC is just a check or phone call away. Credit lines up to 70% loan to value, $350,000 maximum with available draw period of 8 years. There is no cost to maintain a Home Equity Line of credit, and you get the peace of mind knowing you have available equity to use.
  • Home Equity Line of Credit Secured by Rental Property: At l/2% higher than our Owner Occupied program, this line of credit repayment term is l2 years. Credit lines up to 70% loan to value, $350,000 maximum also with an available draw period of 8 years.
  • Home Equity Fixed (Owner Occupied): Get a fixed rate mortgage at a low cost. Our 20 year fixed Home Equity at a special low rate with no points is truly a member benefit. Loans up to 70% loan to value, $350,000 maximum.
  • Home Equity Fixed (Rental): At l/2% higher than our Owner Occupied program, this loan has a repayment term of 15 years. Loans up to 70% loan to value, maximum $350,000 and no points.

Other Line of Credit Loans

  • Share Draft/Overdraft Protection: Avoid embarrassing and costly overdraft fees with overdraft protection on your share draft account. The line of credit also allows a loan advance from ATMs.
  • Share Secured Share Draft/Overdraft Protection: You get the same low loan rate as share secured loans.

Fixed Rate Mortgages

  • 15 Year & 30 Year Mortgage Loan: We offer mortgage residential loans at a fixed rate on homes located in the State of Hawaii. Contact us for our daily rates on both of these mortgage loans.

Member Fee Schedule

ACCOUNT

  • Membership (Primary Account Holder): $1
  • History Print-Out or Statement Copy: $5.00 per copy/$10.00 per microfiche copy
  • Excess Teller Check Withdrawal: One check free per day; thereafter, $5.00 per each additional check
  • Legal Process-Garnishment or Levy: $10.00 each
  • Long Distance Call to verify available funds or check insurance: $5.00 per call
  • Return Check from Deposit or Payment: $26.00 per item
  • Stop Payment (Teller Check): $30.00 per item
  • Dormant Accounts: Accounts with no current address and are dormant for 1 year will be billed $6.00 every three months as follows; November through January will be billed in February; February through April will be billed in May; May through July will be billing in August; August through October will be billed in November.

SHARE DRAFT/CHECKING

  • Personal Check/Share Draft Order: Price varies per design. ($4.00 is subsidized on standard check printing ordered through the credit union)
  • Account Reconciliation: $15.00 per hour (Member must have attempted to balance account and must provide documentation
  • Copy of Cleared Draft/Check: $2.00 per item; subject to increase based on the delivery method
  • Stop Payment (Personal Check, Share Draft or ACH): $24.00 per item
  • ACH or Draft/Check Non-Sufficient Funds (NFS): $26.00 per item
  • ACH Revocation: $26.00 per item
  • Share Draft Minimum Balance: $5.00 if a $200 average daily balance is not maintained for the month. (Does not apply to members below age 18 or age 55+)

ATM AND DEBIT CARD SERVICES

  • Non-Surcharge ATM Locations
  • Excessive ATM and PIN Point of Sale Withdrawal: First ten monthly withdrawals are free; thereafter, $2.00 per withdrawal
  • Card or PIN Replacement: $10.00 per card or PIN
  • Point of Sale Overdraft Fee: $24.00 per item
  • Point of Sale Non-Sufficient Funds (NFS): $26.00 per item
  • Stop Payment (Point of Sale): $27.00 per item

SAFE DEPOSIT BOX SERVICES

  • 3" x 10" Box Rental: $55.00 per year
  • 5" x 10" Box Rental: $65.00 per year
  • Lost Key Replacement: Actual Cost
  • Locksmith: Actual Cost

CREDIT CARD

  • Card Replacement: $5.00 per card
  • PIN Replacement: $5.00 per PIN
  • Balance Transfer: 3% of transaction amount
  • Stop Payment (Convenience Check or Balance Transfer): $24.00 per item
  • Late Payment: Up to $25.00
  • Over-the-Limit: Up to $25.00
  • Returned Payment: Up to $25.00

OTHER SERVICES

  • Commercial Money Order (Western Union - Domestic): $20.00 per item
  • Commercial Money Order (Western Union - International): Price varies per amount:
    • Principal Amount of Money Order
      • From $.01 to $500.00: $47.50 each
      • From $500.01 to $1,000.00: $52.50 each
      • From $1,000.01 to $2,000.00: $57.50 each
      • From $2,000.01 to $5,000.00: $62.50 each
      • From $5,000.01 to $10,000.00: $72.50 each
  • Fax (Local): $2.00 per page
  • Fax (Out of State): $5.00 per page
  • Notary Service: Per fee schedule from the State Attorney General's office. (Moiliili Branch: M-F 9am-2pm; Sat by appointment only)
  • Signature Guarantee: Available to members by appointment only
  • Online Bill Payer Overdraft Fee: $24.00 per item
  • Stop Payment (Loan Draft): $24.00 per item
  • Travelers Cheques: No additional fee for members
  • Wire (Domestic): $20.00 per item
  • Wire (International): $45.00 per item
Equal Housing Lender   NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency




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