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Top credit unions in Hawaii ranked by best APR.
Sort the best APR by loan type, and see how these rates affect car payments in our Hawaii car payment calculator. Car rates are for 72 months. The rates listed are the best offered by the top credit unions in HI for A-tier credit scores.
The APR listed may change at any time. Rates vary based on application date, terms, and credit rating. Sort rates by clicking the top of the list. |
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HawaiiUSA Federal Credit Union HawaiiUSA FCU was established in 1936 to support school teachers in Oahu. It has over 135,000 members at 15 credit unions in Hawaii. The ways to join include Hawaii residents affiliated with education from K though 12 including employees, retirees, students, and parents. Everyone else can qualify via one of the 10,000 organizations listed in the ways to join. HawaiiUSA ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service. Headquarters: 1226 College Walk, Honolulu, HI 96817 |
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Honolulu Federal Credit Union
Founded in 1936 for federal agents in Honolulu, HOCU serves over 20,000 members from 6 unions in Hawaii. Membership eligibility includes the US Coast Guard stationed in Hawaii, US Government employees in Honolulu, and employees of the businesses listed in the ways to join HOCU. Headquarters: 2305 S Beretania St, Honolulu, HI 96826
Pearl Hawaii Federal Credit Union PHFCU first opened in 1937 to serve employees in Pearl Harbor. It has over 35,000 members at 6 locations. The field of membership includes the island of Oahu. Headquarters: 94-449 Ukee St, Honolulu, HI 96797 |
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Aloha Pacific Federal Credit Union
APFCU was established in 1936 and serves 70,000 members from 12 locations in Hawaii. The first members were local government employees in Honolulu. The ways to join include employees of the County of Honolulu or Maui, and residents of Kauai. Headquarters: 3465 Waialae Ave, Honolulu, HI 96816
Maui Federal Credit Union
Maui FCU was founded in 1938 for pineapple farmers and has 7,500 members at 2 credit unions in Hawaii. The field of membership includes residents that live and work on the island of Maui. Headquarters: 107 East Wakea Ave, Kahului, HI 96732
Hawaii State Federal Credit Union
HSFCU was created in 1936 for Hawaii State government employees. It has 130,000 members at 15 branches in HI. The field of membership includes employees of the State of Hawaii or one of the businesses listed in the ways to join HSFCU. Headquarters: 333 Queen St, Honolulu, HI 96813 |
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University of Hawaii Federal Credit Union
UHFCU was founded in 1955 by college professors and has 35,000 members from 5 locations in Hawaii. The ways to join include staff and students of the University of Hawaii and employees of the State of Hawaii. Headquarters: 2019 South King St, Honolulu, HI 96826
Gather Federal Credit Union
Gather FCU was chartered in 1954 by pineapple farmers gathering funds to purchase harvesting equipment. It has 37,000 members at 7 unions. The field of membership includes the islands of Kauai and Niihau. Headquarters: 4434 Hardy St Lihue, HI 96766
Kauai Federal Credit Union
Established in 1947 for county employees, Kauai FCU serves 8,000 clients at 3 branches. Membership eligibility includes all residents of Hawaii. Headquarters: 2976 Ewalu St, Lihue, HI 96766
Big Island Federal Credit Union Established in 1936 for school teachers in Hawaii, Big Island FCU has 11,000 members at 3 branches. The field of membership includes all residents on the island of Hawaii. Headquarters: 66 Lono St, Hilo, HI 96720 |