Holiday Office Hours

 In observance of the upcoming holidays, please note our holiday office hours:

Friday, December 2 (Staff Holiday Party):  Closing at 12:00 PM
Friday, December 23 (Christmas Eve Observed):
 Closing at 1:00 PM
Friday, December 26 (Christmas Day Observed):
 Closed
Friday, December 30 (New Years Eve Observed):
 Closing at 1:00 PM
Monday, January 2, 2016 (New Years Day Observed):  Closed

From everyone at Hawaii Central FCU, have a happy and safe holiday season!

For a complete list of our holiday closings, click here.

Super Rewards Checking

Super Rewards Checking

Hawaii Central FCU has three exciting new checking accounts to offer its members. From high dividends to cash back and refunds on your entertainment needs, turn your everyday purchases into rewards by simply using your debit card. Select an account that fits your lifestyle and enjoy the rewards!

Get started now


New Members      Current Members


I want higher-than-average APYs

Cash REWARDS

The more money you have in your account, the more you'll earn. Get higher-than-average dividends on your balance each month with Cash Rewards and earn up to 2% additional dividends on balances up to $20,000.00.

This account is ideal for you if you:

Maintain higher balances

Monthly Reward
With Loan: 2% additional dividends*
Without Loan: 1% additional dividends*


*To qualify to earn the additional 2% APY**, you must have completed the three items listed under "Monthly Requirements" during the qualifying month. If you do not have a qualifying loan, the additional APY will be 1%. Your rewards dividend will post in the next month's statement. **APY: Annual Percentage Yield. APY shown is accurate as of 9/1/16. Rates subject to change. For example: The standard rate for the Cash Rewards account is .05%, if you complete the three requirements within a qualifying month, your rate will be 2.05% (or 1.05%, if you do not have a qualifying loan). Note: Additional APY reward applies only to balances up to $20,000.00; balances over $20,000.00 will earn just the standard APY.

If these monthly rewards in total exceed $10.00 per annum, they will be reported as interest on the IRS 1099-INT form. If you do not qualify for one month, there is no service charge and you will still earn the standard dividend rate! When you do qualify, you will automatically start earning rewards again! Accounts closed before the end of the qualification month forfeit that month’s rewards. Note: If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it will also be reported on the IRS 1099-INT form.

Qualifying Month: The entire calendar month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify:

  • Using your debit card in conjunction with internet payment services such as PayPal
  • ATM withdrawals

Qualifying Loan: A qualifying loan is a personal loan, automobile loan or line of credit with an outstanding balance. Note: If you do not have a qualifying loan, you are still able to earn rewards, see each account type for details.

Click here to view complete disclosure.

I want cash back on my debit card purchases

Cash Back REWARDS

We want to pay you for the money you spend. Start earning cash back on your debit card purchases with Cash Back Rewards and get paid up to 2% cash back on your debit card purchases.

This account is ideal for you if you:

Use your debit card frequently

Monthly Reward
With Loan: 2% cash back on debit card purchases*
Without Loan: 1% cash back on debit card purchases*


*To qualify to earn the 2% cash back reward, you must have completed the three items listed under "Monthly Requirements" during the qualifying month. The 2% cash back reward is based on the total debit card purchases (ATM withdrawals do not qualify) posted during the qualifying month up to $35.00 cash back. If you do not have a qualifying loan, the cash back reward will be 1%, up to $25.00 cash back. Your cash back rewards will post in the next month's statement. For example: Your total debit card purchases for one qualifying month is $2,000.00, the 2% cash back amount is $40.00, you will receive $35.00 (or $25.00, if you do not have a qualifying loan) cash back posted to your Cash Back Rewards account the next month.

If these monthly rewards in total exceed $10.00 per annum, they will be reported as interest on the IRS 1099-INT form. If you do not qualify for one month, there is no service charge and you will still earn the standard dividend rate! When you do qualify, you will automatically start earning rewards again! Accounts closed before the end of the qualification month forfeit that month’s rewards. Note: If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it will also be reported on the IRS 1099-INT form.

Qualifying Month: The entire calendar month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify:

  • Using your debit card in conjunction with internet payment services such as PayPal
  • ATM withdrawals

Qualifying Loan: A qualifying loan is a personal loan, automobile loan or line of credit with an outstanding balance. Note: If you do not have a qualifying loan, you are still able to earn rewards, see each account type for details.

Click here to view complete disclosure.

I want refunds on music, movies, apps and more

Connected REWARDS

Refunds on what you need to stay entertained? Now that’s what we call the music to your wallet! Meet your music and entertainment demands with Connected Rewards and get reimbursed at the online stores you love the most – Netflix, Spotify, iTunes, Google Play and Amazon.

This account is ideal for you if you:

Make frequent purchases on Netflix, Spotify®, iTunes®, Google Play or Amazon®

Monthly Reward
With Loan: Up to $20 refund for purchases with your debit card*
Without Loan: Up to $10 refund for purchases with debit card*


*To qualify to earn up to $20.00 in credit, you must have completed the three items listed under "Monthly Requirements" during the qualifying month. The amount of the credit reward is based on the total debit card purchases made on Netflix, Spotify®, iTunes®, Google Play™, or Amazon®. The maximum reward credit is $20.00. If you do not have a qualifying loan, the maximum reward credit will be $10.00. Your rewards credit will post in the next month’s statement. For example: Your online purchases made at the five sites listed above total $18.95 for one qualifying month, you will receive $18.95 (or $10.00, if you do not have a qualifying loan) credit posted to your Connected Rewards account the next month.

If these monthly rewards in total exceed $10.00 per annum, they will be reported as interest on the IRS 1099-INT form. If you do not qualify for one month, there is no service charge and you will still earn the standard dividend rate! When you do qualify, you will automatically start earning rewards again! Accounts closed before the end of the qualification month forfeit that month’s rewards. Note: If you receive a gift for enrolling in a Super Rewards checking account and the gift’s value exceeds $10.00, it will also be reported on the IRS 1099-INT form.

Qualifying Month: The entire calendar month. Debit card purchases may take one or more business days to post to the account, so purchases made at the end of the qualifying month may not qualify for that month. The following debit card transactions do not qualify:

  • Using your debit card in conjunction with internet payment services such as PayPal
  • ATM withdrawals

Qualifying Loan: A qualifying loan is a personal loan, automobile loan or line of credit with an outstanding balance. Note: If you do not have a qualifying loan, you are still able to earn rewards, see each account type for details.

Click here to view complete disclosure.

MONTHLY REQUIREMENTS


Debit Card
Have at least 20 debit card
transactions post within the qualifying month
eStatement
Enroll in and use eStatements
Members with a loan earn higher rewards!
Loan
Have a qualifying loan

Other Benefits

  • Earn standard monthly dividends
  • $1 minimum to open
  • No monthly fee
  • Discounted HCFCU custom checks
  • Optional Overdraft Protection from shares or line of credit
  • Free debit card with ATM access
  • Free online, mobile & telephone banking
  • Free bill pay
  • Direct deposit
  • Shared branch access

Sign up for Super Rewards Checking


Current Members: If you're already a HCFCU member, please apply by clicking the Current Members button below.

Not a member? If you're not yet a member, you'll need to join HCFCU before requesting a checking account. Click the New Members button below to be directed to our online account application where you can get started on the application process.

New Members      Current Members


Super Rewards Checking

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