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HFS FCU E-Statements
2016 Best of East Hawaii
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Company Profile

HFS Federal Credit Union is owned by its members, and governed by a member-elected, volunteer Board of Directors. The Board hires the President/CEO who is responsible for the day-to-day operations of the credit union.

One of the most significant aspects of HFS FCU is its non-profit status. While other financial institutions may deliver operational surpluses to outside shareholders, HFS FCU returns surpluses back to its members in the form of lower rates on loans and higher rates on savings.

HFS FCU also maintains a collaborative, democratic structure in keeping with the philosophy of “People Helping People.” Members elect their own volunteer Board of Directors – ensuring that the credit union’s decision-makers always have the membership’s best interest in mind.

HFS FCU was originally known as the Hawaii Federal-Territorial Employees Credit Union. It was organized on January 4, 1937 by nine individuals who shared a common bond: the need for credit to be available to those of small means. Their collaborative efforts gave individuals and their family access to financial services and loans not previously offered by other banks. With the pooling of funds and the desire to help each other, the seeds of the future HFS FCU were planted.

Since its founding, the credit union has experienced tremendous growth both in its membership and its services. In January 2000 member eligibility was expanded to all those who live, work or volunteer on the Big Island. With this expansion, the credit union changed its name to HFS Federal Credit Union to highlight its transition from restricted-membership to its new community-oriented approach.

Today, HFS FCU is the largest credit union on the Island of Hawaii with over 48,500 members and over $500 million in assets. HFS FCU serves its membership from six full-service branch locations island-wide, and offers a complete suite of financial services. We proudly welcome all those on the Big Island to take advantage of our products and services, and experience firsthand the difference at HFS Federal Credit Union – a place where caring counts.


2016 Best Credit Union in East Hawaii & Best of West Hawaii Finalist

Mahalo for choosing HFS FCU as East Hawaii’s Best Credit Union for 2016! We are truly honored to serve you, our Big Island community and are extremely thankful for this special recognition. We’d also like to thank West Hawaii for choosing us as a finalist for West Hawaii’s Best Credit Union! HFS Federal Credit Union would like to thank our valued member-owners, dedicated employees, readers of the Hawaii Tribune-Herald and West Hawaii Today and all the communities which we serve for their continued support.

Here at HFS Federal Credit Union, we are dedicated to offering outstanding products and services to meet the needs of our members, while remaining an active partner within our community. We thank you, our members, for your continuous support and trust, and for allowing us to continue to make a positive difference on the island of Hawaii. Thank you again!


© 2017 HFS Federal Credit Union
National Credit Union AdministrationEqual Housing Lender

Federally insured by NCUA.
We do business in accordance with the Federal Fair Housing Law.