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Hawaii Central Federal Credit Union was founded in 1937 and was originally chartered to service the employees and officials of other Hawaii credit unions, thus making Hawaii Central Federal Credit Union the “central credit union.” Today, Hawaii Central Federal Credit Unions’s field of membership is open to all individuals who live, work, worship or attend school in, and businesses and other legal entities located in Honolulu, Hawaii.  

By joining Hawaii Central Federal Credit Union, you become a member-owner. This means you will receive friendly service along with benefits such as higher deposit rates, lower loan rates and little to no fees for our products and services. Plus, being a member means you have access to exclusive money-saving deals. We welcome you to unbank with us and experience the Hawaii Central Federal Credit Union difference!

Eligibility for membership with Hawaii Central Federal Credit Union (HCFCU) is available to anyone who meets one of the following criteria:

  • Persons who live, work, worship full-time or attend school on the Island of Oahu, and members of their immediate family or household. Immediate family is defined as: Spouse, child, sibling, parent, grandparent, or grandchild and includes stepparents, stepchildren, stepsiblings and adoptive relationships (please see membership chart below.)  
  • Businesses and other legal entities located on the Island of Oahu
  • Employees of HCFCU and members of their immediate family

A Regular Share (Savings) Account officially makes you a member of Hawaii Central Federal Credit Union and opens the door to many financial opportunities.

To open your Regular Share (Savings) Account and become a HCFCU member, start the appplication process online or visit one of our offices at 681 South King Street or at The Queens Medical Center, Harkness Building Room 139 and see our Accounts and Services Specialist in the New Accounts Department.

For more information, please contact us at (808) 536-3677 or at This email address is being protected from spambots. You need JavaScript enabled to view it.

Open An Account

NON-SECURE EMAIL DISCLOSURE: These are not secure email addresses; privacy is limited. You can email us any general questions, comments, or requests for information, but you should not include any private financial or personal information in your email. Our security policy does not permit us to send you an email response containing any private financial or personal data.

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