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.
From competitive rates to minimal fees, Hawaii Central offers products that fit your individual needs. We are here to help you reach your goals.
Central Savings Account
Money Market Investment
Holiday Savings Account
With a minimum of $500, you can lock in your earnings with a Share Certificate. A variety of term lengths are available to suit your financial needs.
Individual Retirement Accounts
Save for retirement and take advantage of the tax benefits an IRA could offer. You’ll be amazed at how fast your account may grow.
Individual Retirement Account
With a Share Draft Account, you can use your money how you wish with unlimited transactions, and no minimum balance, all while earning dividends.
Central Checking Account
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.
Take advantage of Hawaii Central’s competitive loan and savings rates.
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.
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.
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.
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!
Debit & Credit Cards
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.
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.