HawaiiUSA FCU

What HawaiiUSA FCU does

HawaiiUSA Federal Credit Union is a federally chartered, member-owned, not-for-profit credit union founded in 1936 and headquartered in Honolulu, Hawaii. The institution serves consumer and small business members across the four major Hawaiian islands (Oahu, Maui, Hawaii Island, Kauai) through a multi-channel distribution model that combines physical branches, a Virtual Branch for video banking consultations, a Digital Banking web platform, and native iOS/Android mobile applications. Membership eligibility is anchored to over 10,000 Select Employee Groups (SEGs), with deep penetration into Hawaii's education sector through partnerships with the Hawaii State Teachers Association and Chaminade University.

The product portfolio spans the full retail and small business banking stack. Personal banking includes eLife Checking (up to 5.00% APY on balances up to $10,000), Kasasa Cash Back Rewards Checking, Share Savings, Premium Money Market (tiered up to 2.85% APY), Share Certificates, HSAs, and IRAs. Lending products include personal loans (8.00%-10.50% APR), auto loans (3.75%+ APR up to 84 months), 1% and 2% Cash Back Visa credit cards, mortgages (30-year fixed from 5.625%), and HELOCs (2-year initial fixed rate from 4.99% APR). Business banking mirrors the consumer stack with Business Share Draft Checking, savings, money market, share certificates, business loans, lines of credit, commercial real estate loans, business auto loans, business credit cards, and payment processing via Gravity Payments. Value-added services include CUNA-certified financial coaching, Greenlight youth debit cards, financial calculators, insurance products (life, AD&D, GAP, pet, ID theft) through partner TruStage, IDX, and Prudent Pet, and estate planning through OneDigital Trust.

Revenue is generated through net interest margin on the lending portfolio (mortgages, auto, HELOCs, personal loans, credit cards, business loans), deposit dividend spreads, business banking fees, payment processing referrals through Gravity Payments, and member protection product referral fees from insurance and identity protection partners. Technology infrastructure is built on a Digital Banking Platform with mobile wallet integration (Apple Pay, Samsung Pay, Google Pay), digital card issuance, mobile deposit, and third-party loan origination platforms (MeridianLink, Ellie Mae/Encompass). The institution holds NCUA federal insurance, Equal Housing Lender certification, and FISMA compliance as a federally chartered credit union.

Name

HawaiiUSA FCU

Legal name

HawaiiUSA Federal Credit Union

Website

https://hawaiiusafcu.com

Company type

Private

Founded year

1936

Operating status

Operating

Headcount range

251–500 employees

Short description

HawaiiUSA Federal Credit Union is a federally chartered, member-owned not-for-profit credit union founded in 1936, serving consumer and small business members across Hawaii's four main islands through physical branches, digital banking, and a Virtual Branch video service.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Small business banking
• Mortgage lending

Headquarters

HQ city

Honolulu

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income on Loans: Primary revenue stream from interest charged on various loan products including mortgages, auto loans, personal loans, HELOCs, and business loans. Credit unions return earnings to members through better rates on loans.
2. Interest on Savings Products: Dividends paid to members on deposit accounts including savings, checking, money market accounts, and share certificates. As a not-for-profit credit union, excess earnings are returned to members.
3. Business Banking Fees: Fees associated with business checking, savings, money market accounts, and business services including payment processing referrals through Gravity Payments.
4. Member Protection Products: Revenue from partner products including life insurance, accidental death & dismemberment, credit protection, mechanical protection, GAP, ID theft protection, and pet insurance offered through partners like TruStage and IDX.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

HawaiiUSA Federal Credit Union is a federally chartered, member-owned cooperative financial institution serving Hawaii residents across Oahu, Maui, Hawaii Island, and Kauai. It provides a full suite of personal and business banking products including checking, savings, money market, share certificates, HSAs, personal loans, auto loans, mortgages, HELOCs, and credit cards, delivered through physical branches, a Virtual Branch video banking channel, and a digital/mobile banking platform.

Product overview

HawaiiUSA Federal Credit Union operates as a full-service financial institution offering a unified banking platform with interconnected products and services for personal, business, and youth members across Hawaii. The core platform consists of Digital Banking (online and mobile) which serves as the primary channel for accessing all account services including checking, savings, loans, credit cards, and financial tools. The personal banking suite includes Rewards Checking (Kasasa Cash Back and eLife Checking earning up to 5.00% APY), Share Savings, Premium Money Market, Share Certificates, Health Savings Accounts, and IRA products. Lending products encompass Personal Loans, Auto Loans (new/used), Green Loans for solar, Mortgage Loans with first-time homebuyer programs, and Home Equity Lines of Credit (standard up to $400,000, Jumbo up to $1,000,000). Credit offerings include 1% and 2% Cash Back Visa cards. The business division mirrors personal offerings with Business Checking, Business Savings, Money Market, Share Certificates, Business Loans, Lines of Credit, Commercial Real Estate Loans, Business Auto Loans, and Business Credit Cards plus Payment Processing through Gravity Payments. Youth banking includes Youth Savings and the free Greenlight debit card with parent controls. Value-added services include Financial Coaching, Financial Calculators, Teacher Resources, community programs (Kokua Community, Foundation, Scholarships), and insurance products (life, AD&D, GAP, pet, ID theft) through trusted partners.

Differentiator

Problem solved

Functional benefit

Brands

• eLife Checking: A checking account that earns dividends on balances, with qualifications to earn up to 5.00% APY.
• Kasasa Cash Back
• Life Matters Cash Back Visa
• Life Matters Premium Cash Back Visa
• Greenlight
• Kokua Community

Products and services

• Digital Banking
• Rewards Checking (Kasasa Cash Back)
• eLife Checking
• Share Savings Account
• Premium Money Market Account
• Share Certificates
• Health Savings Accounts (HSAs)
• Personal Loans
• Auto Loans
• 1% Cash Back Visa Credit Card
• 2% Cash Back Visa Credit Card
• Mortgage Loans
• Home Equity Line of Credit (HELOC)
• Business Share Draft Checking
• Business Savings Account
• Business Debit Mastercard
• Business Visa Credit Card
• Business Loans
• Business Auto Loans
• Payment Processing
• Mobile Banking App
• Virtual Branch
• Greenlight Youth Debit Card
• Life Insurance
• Identity Theft Protection
• Pet Insurance
• Financial Coaching
• Investments Services

Quantifiable outcome

• 5.00% APY on eLife Checking balances up to $10,000 when qualifications met
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability3 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Gravity PaymentscoreChannel Partner/ Reseller/ DistributorHawaiiUSA partners with Gravity Payments to provide credit card processing and merchant services for business members. The partnership enables small businesses to accept credit cards and mobile payments securely in-store, online, or on-the-go through Gravity's payment processing platform integrated with HawaiiUSA business checking accounts.
• Chaminade University Economic Education Center for ExcellencecoreStrategic or Co-development PartnerPartnership with Chaminade University's Economic Education Center for Excellence provides summer workshops for K-12 teachers to earn professional development credits while learning to teach financial education. HawaiiUSA facilitates the workshops and provides related resources for Hawaii educators.
• Hawaii State Teachers Association (HSTA)coreGTM or Marketing PartnerHawaiiUSA offers an exclusive HSTA Welcome Home mortgage program for Hawaii State Teachers Association members with special benefits including down payments as low as 3% with PMI, reduced origination fees and closing costs, and flexible income limits and qualifying ratios.
• CUNA Certified Financial CounselorscoreOthersHawaiiUSA provides complimentary financial coaching services delivered by CUNA Certified Financial Counselors. These counselors assist members with debt management, budgeting, credit building, and financial planning through confidential one-on-one coaching.
• IDX (Identity Guard)minorGTM or Marketing PartnerHawaiiUSA partners with IDX to offer identity theft protection services to members, protecting against all nine types of identity theft through the IDX identity protection platform.
• TruStageminorGTM or Marketing PartnerPartnership with TruStage for member protection products including life insurance, accidental death & dismemberment coverage, credit protection plans, and guaranteed asset protection (GAP) for auto loans.
• Prudent PetminorGTM or Marketing PartnerHawaiiUSA offers pet insurance through Prudent Pet insurance, providing members with pet coverage options and promotional rates through the partnership.
• OneDigital TrustminorGTM or Marketing PartnerPartnership with OneDigital Trust for Digital Estate Kit services, helping members secure their family's future with estate planning tools and documentation.
• GreenlightminorGTM or Marketing PartnerGreenlight debit card for kids included with HawaiiUSA Checking accounts at no extra cost. Provides parent-managed controls and spending tracking for teaching children financial responsibility.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Market position

Weaknesses1 record

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/hiusafcu
• Facebookfacebook.com/hawaiiusafcu
• LinkedInlinkedin.com/company/hawaiiusa-federal-credit-union

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HawaiiUSA FCU