; BUSINESS - Hawaii Central Federal Credit Union

Simple Business Banking

Get the financial flexibility your business needs with Simple Business Banking. We offer competitive rates and features. Plus, you’ll get the convenience of accessing your account from the office or out in the field.

Share Draft Checking Account

Manage your business finances easily with a checking account that meets your basic account needs. There’s no minimum balance fee and it’s only $1 to open an account.


Regular Share (Savings) Account

Your savings starts the moment you join Hawaii Central Federal Credit Union and make an initial deposit into your Regular Share (Savings) Account. Required for membership.


Share Certificates

With a minimum of $50,000, you can open a Share Certificate (CD) and lock in your earnings. A variety of certificates are available with different terms ranging from 6 months to 60 months to suit your financial needs.


Growing Your Business

Small credit unions better serve small businesses, and we want to help take your business to the next level. Whether you have an existing business and you need new equipment or if you are looking into starting a business, our Small Business Loan program allows business members to borrow funds up to $49,999 without requiring collateral!



Microbusiness Loans

Business owners with start-ups or small businesses can get assistance for funding up to $49,999. These funds are often used for working capital, inventory or supply chain management, furniture for an office or equipment for production. Our Microbusiness loans are a great alternative for small business owners looking for business financing because they are usually easier to qualify for than traditional financial loans and offer affordable interest rates.


Commercial Vehicle Loans

Drive your business further with a commercial vehicle loan from Hawaii Central! With flexible terms and affordable payments, we make it easy to get your business moving.

Intersection 69

Da Opala Braddahs

“Funding for new businesses is limited, but partnering with Hawaii Central closes that financial gap for the budding entrepreneur. I highly recommend Hawaii Central and have nothing but positive things to say about their support for small businesses,” – Shelton Higa, Da Opala Braddahs

Get Started with Online Banking

Hawaii Central offers “It’s Me 247” online banking that provides you convenient access to your accounts. Check your balances, transfer funds and make loan payments, 24 hours a day, any day of the year!

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