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Join the Hawaii Central Ohana

Serving Hawaii since 1937, we are people helping people. We currently serve the community of Oahu and look forward to serving you and your financial well-being.

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 higher dividends and lower loan rates. At Hawaii Central we strongly believe in helping our members achieve their financial well-being and continue to seek ways to minimize fees, provide competitive loan and deposit rates, and find opportunities to provide financial education for you and our community.

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 application 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.

Eligibility for Membership

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  
  • Businesses and other legal entities located on the Island of Oahu
  • Employees of HCFCU and members of their immediate family