; Personal - Hawaii Central Federal Credit Union

NOTICE: Our offices will be closed on Monday, May 27th in observance of Memorial Day.

Being a Member

As a member owned, cooperative financial institution, we live within our financial means with profits coming right back to our members in the form of dividends and higher returns on savings. At Hawaii Central, we strongly believe in helping our members achieve their financial goals and continue to seek ways to minimize fees to you, provide better loan and deposit rates, and find opportunities to provide financial education for you and our community.

Financing with Your Future in Mind

We have a variety of loans to meet your borrowing needs. Through an easy application process, we can help you finance everything from home improvements and education to a new car. Our friendly and helpful staff is available to answer any questions you may have and is there to ensure a smooth process from start to finish.

See Rates

Take advantage of Hawaii Central’s competitive loan and savings rates.

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Personal Loans

We offer personal loans at competitive rates with our quick and simple application process. Apply online or in-person for a personal loan when you need extra money for any purpose.


Lines of Credit

Our lines of credit allow you the flexibility to have access to funds whenever you need it. Our Line of Credit can be linked to your Share Draft Checking Account.


Student Loans

Financing your 4-year public or private non-profit education? Our private student loan can help. Apply once and on annual approval, your line of credit is good for at least four years.


Auto Loans

Our auto loans make buying your next vehicle easier. With a variety of term lengths for your new or used ride, our competitive rates make your auto loans easy to repay.


Home Loans

With low mortgage interest rates, now might be the perfect time to see if you can refinance at a lower rate or become a new homeowner. Out Mortgage Loans offer competitive rates and an experienced staff that will help you achieve your goals.

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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Manage Your Accounts on the Go with Our Mobile App

Our Hawaii Central mobile app provides members convenient access to our website, mobile check deposit, mobile banking, branch and contact information, and more.

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Shared Branching

Use over 5,000 nationwide credit union offices including over 60 local credit union offices that participate in the Shared Branching Network, for transactions including withdrawals, deposits and loan payments.

ATM Access

You can access your Hawaii Central account with no fee at over 200 First Hawaiian Bank ATMs throughout Hawaii and more than 30,000 CO-OP ATMs nationwide.

Member Perks

Having a membership at Hawaii Central comes with an assortment of benefits including: educational workshops, Western Union, money orders, no cost coin counting machine, deals and discounts.

Members can also receive exclusive perks through Love My Credit Union Rewards.

Debit & Credit Cards

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Credit Card

Our Visa Platinum Cash Rewards Credit Card earns you cash rewards every year! Why wait years to save up reward points when you can automatically get rewarded every year reeling in your spent dollars back into your pocket.


Debit Card

Our Visa Debit Card offers members the convenience of a checkbook and ATM card in one. Use it for purchases at merchants displaying the Visa logo and the purchase amount will be withdrawn from your Share Draft Checking Account.