Kahului Federal Credit Union

What Kahului Federal Credit Union does

Kahului Federal Credit Union is a federally chartered, member-owned cooperative credit union headquartered at 25 West Kamehameha Avenue in Kahului, Maui, Hawaii, operating continuously under the same charter since 1955. The institution serves individual consumers and families primarily in the Kahului/Hawaii market with a full suite of retail banking products: deposit products (regular share savings, no-minimum checking, share certificates with terms from 6 months to 5 years at APYs of 3.00%–3.50%), a diversified lending suite (auto loans at 4.25% APR, personal loans at 6.75% APR, bill consolidation at 8.75% APR, share-secured loans as low as 2.50% APR, overdraft protection, Visa Classic credit cards at 7.99% APR, fixed-term mortgages including 10/12/15/30 year options, and variable-rate HELOCs at 6.00% owner-occupant and 9.00% investor), a three-tier youth lifecycle program (CU $TART for ages 0–12, CU $AVE for ages 13–17, CU $UCCEED for ages 18–24), and referral access to TruStage life insurance.

The technology layer is built primarily on third-party infrastructure: the mobile banking application and online platform run on Fiserv ("It's Me 247" online banking, branded iOS/Android apps with biometric login and mobile deposit capture subject to $6,000 single / $10,000 aggregate daily limits), with CO-OP Financial Services providing Visa credit card rewards and debit processing, Omnicommander powering the website, and Zogo providing teen financial literacy content. Service delivery combines a single physical branch, phone-based CUTalk audio response, and an interactive voice response system for self-service debit card PIN management.

Revenue economics follow the standard credit union model: net interest income on the loan portfolio (auto, personal, mortgage, HELOC, credit card) anchors the P&L, supplemented by transactional fee income (overdraft, wire transfers, check ordering), Visa interchange and credit-card interest, and insurance referral commissions from TruStage. The institution prices loans based on member creditworthiness, offers federally-insured (NCUA) deposits, and operates with a stated mission of personalized member-owner service and financial stability rather than external shareholder return.

Name

Kahului Federal Credit Union

Legal name

Kahului Federal Credit Union

Website

https://kahuluifcu.com

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

11–50 employees

Short description

Kahului Federal Credit Union is a federally chartered, member-owned cooperative credit union founded in 1955 in Kahului, Maui, Hawaii. It provides retail banking — deposits, consumer and mortgage loans, HELOCs, Visa cards, and youth savings programs — to individual consumers and families through one branch, Fiserv-powered mobile and online channels, and an interactive voice response system.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Savings accounts
• Mortgage loans
• Mobile banking

Headquarters

HQ city

Kahului

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue from interest earned on loans including auto loans, personal loans, mortgages, home equity lines of credit, and share loans. Interest rates vary based on creditworthiness and loan type.
2. Fee Income: Various fee income including overdraft protection fees, wire transfer fees, check ordering fees, and other service charges as outlined in the fee schedule.
3. Credit Card Revenue: Revenue from VISA credit card products including interest on balances and interchange fees
4. Insurance Products: Partnership with TruStage Insurance for life insurance products, earning referral/commission revenue

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Kahului Federal Credit Union is a member-owned, federally chartered credit union providing personal banking and lending services. It offers deposit products (savings, checking, share certificates), consumer loans (auto, personal, mortgage, home equity, credit cards), youth savings programs, and digital banking channels (mobile app, online banking, audio response). Deposits are federally insured by the NCUA.

Product overview

Kahului Federal Credit Union operates as a single-institution credit union offering a comprehensive suite of financial products and digital banking services. The core product portfolio consists of deposit accounts (Savings/Checking, Share Certificates), lending products (Auto Loans, Personal Loans, Mortgages, HELOC, Credit Cards), and a three-tier youth savings program (CU $TART, CU $AVE, CU $UCCEED). Digital banking is delivered through its Mobile Apps platform powered by Fiserv, supplemented by online banking (It's Me 247), CUTalk audio response, and VISA debit/credit card services. The Mobile Deposit Capture feature enables remote check deposits, while an Interactive Voice Response System handles PIN management for debit cards. The Financial Calculators Suite provides member-facing planning tools. These services collectively enable members to manage deposits, loans, and everyday banking transactions through web, mobile, and telephone channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Mobile Apps (Kahului FCU Mobile Banking) Mobile banking application powered by Fiserv enabling members to manage finances on the go, including account access, transfers, deposits, and card management.
• VISA Debit Card Debit card accepted globally through VISA network with self-service PIN selection and reset capabilities via Interactive Voice Response System.
• Mobile Deposit Capture Feature allowing members to deposit checks remotely via mobile device with $6,000 daily single deposit limit and $10,000 aggregate deposit limit.
• CUTalk Audio response banking system allowing members to access account information and conduct transactions via telephone.
• It's Me 247 (Online Banking) Online banking platform enabling members to access accounts, conduct transactions, and manage finances via web browser.
• Estatements Electronic statement delivery system providing digital access to monthly account statements.
• Savings/Checking Accounts Basic deposit accounts including regular share accounts with unlimited transfers and withdrawals, and no minimum balance checking for qualifying members.
• Share Certificate Term deposit product with terms ranging from 6 months to 5 years, requiring $1,000 minimum deposit, with fixed APY rates up to 3.50%.
• Auto Loans Vehicle financing with APR as low as 4.25%, featuring various term options for purchasing automobiles.
• Personal Loans Unsecured personal credit with APR as low as 6.75% for various personal financial needs.
• Bill Consolidation Loans Debt consolidation financing with APR as low as 8.75% to help members combine multiple debts.
• Share Loans Secured loans using share deposits as collateral, with rates based on share ownership percentage (100% Share at 2.50%, 50% Share at 4.75%, or Share Certificate rate plus 2.00%).
• Overdraft Protection Credit line to cover overdrafts with advances in $100 increments and APR as low as 9.25%.
• VISA Credit Card Credit card with VISA network acceptance including VISA Classic at APR as low as 7.99%, offering rewards program access.
• Mortgages Home financing products including 10, 12, 15, and 30-year terms for owner/occupant properties, plus investor mortgages, balloon mortgages, and vacant land mortgages.
• Home Equity Line of Credit (HELOC) Open-end revolving credit line secured by home equity with variable rate APR of 6.00% for owner/occupant and 9.00% for investors, adjusting annually on July 1st.
• CU $TART (Youth Savings Program, ages 0-12) Savings program for children providing free piggy bank, stamp card rewards, birthday bonuses, good grade rewards, ATM access, and share certificates.
• CU $AVE (Youth Savings Program, ages 13-17) Savings and financial literacy program for teenagers featuring stamp card rewards, graduation bonus dividend, no minimum balance checking, debit card access, and Zogo financial literacy app.
• CU $UCCEED (Young Adult Program, ages 18-24) Program for young adults introducing full product access, VISA Credit Card for credit building, graduation bonuses, and referral rewards.

Named customers1 record

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• FiservcoreTechnology or IntegrationFiserv provides the technology powering Kahului FCU Mobile Banking app, enabling mobile account access, transfers, deposits, and card management through the mobile device platform.
• TruStage InsuranceminorGTM or Marketing PartnerPartnership with TruStage Insurance makes life insurance products available to Kahului FCU members, offering budget-friendly insurance built on credit union values.
• CO-OP Financial ServicescoreTechnology or IntegrationCO-OP provides the VISA credit card rewards program (Member Rewards by CO-OP) and debit card processing services for Kahului FCU.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank of Hawaii: Major Hawaii-headquartered commercial bank offering consumer banking, mortgages, and wealth services statewide. Competes directly with Kahului FCU for Hawaii retail deposits and consumer lending, with substantially larger scale and broader product portfolio.
• First Hawaiian Bank: Hawaii's largest bank with full-service consumer and commercial banking across the islands. A broad incumbent competing with Kahului FCU for deposits, mortgages, and consumer loans in the same Maui market with greater scale and product breadth.

Direct peers

• Alliant Credit Union: Digital-first community credit union offering high-yield deposits, consumer loans, and nationwide membership. Competes with Kahului FCU for digitally-engaged members and represents the digital challenger that smaller community FCUs must defend against.
• Digital Federal Credit Union (DCU): Large community credit union offering consumer deposits, auto loans, mortgages, and digital banking with a member-owned structure similar to Kahului FCU. Demonstrates the multi-state digital-first model that small community FCUs must compete against.
• Hawaii State Federal Credit Union: Federally chartered credit union serving Hawaii residents with similar deposit, lending, and digital banking products. Most direct peer given shared state charter, similar product suite, and overlapping Hawaii market.
• Maui Federal Credit Union: Community credit union also serving Maui County, Hawaii with deposits, loans, and digital banking. Direct competitor in the same Kahului/Maui geographic market with similar product offerings and member base.
• Connexus Credit Union: Community credit union offering a comparable product suite of deposits, mortgages, auto loans, and digital banking. Similar member-owned structure and breadth of consumer financial services to Kahului FCU, though operating at larger national scale.
• University of Hawaii Federal Credit Union: Hawaii-based federal credit union serving the university community with comparable deposit accounts, consumer loans, and digital banking services. Direct peer sharing the Hawaii operating geography and member-owned cooperative structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

• Xx.com/Kahului_FCU
• Facebookfacebook.com/Kahului-Federal-Credit-Union-100478428725158
• Instagraminstagram.com/kahuluiifcu
• LinkedInlinkedin.com/company/kahului-federal-credit-union

Revenue estimate

Valuation estimate

Number of profiles

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 Kahului Federal Credit Union