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Join Hawaii County Employees Federal Credit Union
Aloha! HCEFCU is dedicated to providing reliable financial services and low-rate loans to all of its members.
Please take a moment to review our membership eligibility requirements in the next section and learn about our membership benefits and perks. If you are already a member, feel free to log in to your Online Banking account to review your information.
Eligibility
Membership Eligibility
Hawaii County Employees Federal Credit Union is operated exclusively for the benefit of:
Any Hawaii County Employee working on the island of Hawaii
Any person employed under the Comprehensive Employment and Training Act who works for the County of Hawaii on the island of Hawaii
Any registered volunteer of the County of Hawaii who works at the County of Hawaii facilities on the island of Hawaii under the supervision of employees of the County of Hawaii
Any employee of the Hawaii Government Employees Association or the United Public Workers Association who works in Hilo, Hawaii
Family members of the above are also eligible, and membership is lifetime, regardless of whether the member leaves the employ of the County
Membership Benefits
Membership Benefits with HCEFCU
As a member of Hawaii County Employees Federal Credit Union, you receive many different types of benefits! Learn more about these below.
Automobile
Mechanical Repair Coverage – This coverage protects the member against many of the costly repairs no longer covered by the manufacturer’s warranty. The plan is usually good at any licensed repair facility. Premiums fluctuate, depending on the plan selected (Bronze, Silver, Gold, Platinum), as well as the year, make, and mileage of the vehicle.
Guaranteed Asset Protection – This affordable coverage pays the potentially high-cost difference between the insurance settlement and the loan balance on a vehicle that is beyond repair or stolen and not recovered.
Credit Disability Insurance or Credit Life – If a member dies or becomes totally and continuously disabled by a covered sickness or accident, Credit Life or Credit Disability can make payments to the credit union to reduce or pay off a covered loan.
TruStage™ Auto Insurance – Credit union members could save $427.96 on auto insurance.
Member Discounts
Sallie Mae’s Smart Option Student Loan – For college expenses not covered by scholarships and federal loans, Hawaii County Employees FCU has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.
Learn more and apply for Sallie Mae’s Smart Option Student Loan.
Movie Tickets
HFN Gas Program – Special low prices for credit union members with your personal HFN card.
Farmers Insurance – Save an average of $366* on your auto insurance with Farmers Insurance Hawaii. Call them today for your Hawaii County EFCU member discount, including savings on homeowner’s insurance and local claims service. Visit Farmers Insurance Hawaii or call (800) 515-1023.
TruStage™ Accidental Death & Dismemberment Ins. and Whole Life and Term Ins.
TruStage™ Accidental Death and Dismemberment Insurance from CMFG Life Insurance Company can be an affordable supplement to life insurance once your life insurance needs are met. It pays a cash settlement in case your loved ones should lose you to a fatal accident, and it pays cash to you for a covered injury.
Electronic Services
Virtual Branch ( Home Banking) -- Virtual Branch Bank Online allows your credit union members to perform account inquiries, transfers, loan payments, and more. Electronic messaging is available through Virtual Branch. Access is provided 7 days a week, 24 hours a day. Members can also export financial information to personal finance applications, such as Microsoft Money and Quicken.
Other applications available in Virtual Branch are:
E-Statements – Virtual Branch e-Statements will e-mail you when your statement is available. No need to worry about your statement sitting in your mailbox. View your statement at your convenience.
Bill Pay – Virtual Branch Online Bill Payment eliminates manual bill paying with customized merchant lists, scheduled recurring and advance payments, and online payment history.
Mobile Banking – Access Virtual Branch on your smartphone. The screens are easy to see and navigate through.
Shared Branching through the HICUSO and CO-OP – Through the cooperative power of CO-OP Shared Branching, our members have access to their accounts at thousands of branch locations throughout the nation. Utilizing the Next Generation Network (NGN) switch technology, our members can do loan payments, share deposits and withdrawals, transfers, and other services as offered by the branches.
Wire Transfer – We can do wire transfers within the United States for a low fee of $20.
Direct Deposit and ACH transactions – Sign up for direct deposit or automatic payments.
