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Overview
$100 Reward for YOU
when you open and use a new UHFCU Checking account!*
Get a $100 Visa® Reward Card when you complete the following:
- Register at referlive.com/uhfcuoffers
- Use Offer Code: “SCORE100”
- Use Branch ID Code: “HILO”
- Open a new UHFCU Checking account and complete the following within 60 days of account opening:
- Complete five (5) UHFCU debit card purchases totaling at least $50, AND
- Enroll in Estatements
Register For Reward Open Checking
Access Your Account Anytime, Anywhere!
While we don’t have a branch in Hilo, we encourage you to use our convenient online and mobile banking services. With these options, you can easily manage your accounts, deposit checks, pay bills, and more—anytime, anywhere.
However, if you need to visit a branch, you can access one of the many locations in the Shared Branch Network. Through our partnership with CO-OP, you have access to thousands of credit union locations and ATMs nationwide, including several on the Big Island. These shared branches allow you to make deposits, withdrawals, loan payments, and more, just like you would at one of our own branches.
Shared Branch Network
At each shared branch location, you’ll feel right at home with the ability to take care of your financial business. Here are just a few of the services available:
- Deposits
- Withdrawals
- Transfers between accounts
- Loan payments
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Rates
Account Name Min. Balance to Earn Dividends APY* Savings
$100.00 0.07% Open Now Checking
$0 0.03% Open Now Warrior Savings
$0 - $50,000 1.00% Open Now Portion of balances over $50,000 0.07% Open Now Christmas Club
$0 0.40% Contact Us Special Savings
$0 0.07% Contact Us IRA Savings
$0 0.30% Contact Us Money Market
$0 - $9,999 0.10% Open Now $10,000 - $24,999 0.15% Open Now $25,000 - $99,999 0.30% Open Now $100,000 - $199,999 0.50% Open Now $200,000 and more 0.50% Open Now Stack Up Savings
$50,000-$99,999 1.25% Open Now $100,000-$249,999 1.50% Open Now $250,000-$499,999 1.75% Open Now $500,000 and more 2.00% Open Now *APY = Annual Percentage Yield. Dividends are credited and compounded monthly. This schedule is incorporated as a part of your account agreement with the UHFCU. Minimum balance requirements apply to daily balance. Rates are subject to change at any time as determined by the Board of Directors. Rates are accurate and effective as of 11/1/2022 and are subject to change without prior notice. Fees or other conditions could reduce the earnings on the account. If you have any questions or need current rate information, please call (808) 983-5500 or contact us through our Contact Us page.
**For Warrior Savings accounts, $500 minimum balance to open. Minimum and maximum balance requirements apply to daily balance. Dividends compounded and credited monthly. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.
*** For Christmas Club accounts, the entire balance, minus the required minimum opening deposit, will be transferred to your Savings account on or after November 1st and the account will remain open. Any balances exceeding $5,000.00 will revert to the Savings Account dividend rate. You may not make withdrawals from your Christmas Club accounts at any other time. If you wish to access the funds in your Christmas Club accounts, you may close it. If you close your Christmas Club accounts, you will be charged a fee of all accrued uncredited dividends. However, any accrued dividends will be paid to you if you close your account within seven (7) days of the date the account is opened.
Loan Products Terms APR* Personal Loan
12 months 7.74%1 Apply Now 24 months 8.24%1 Apply Now 36 months 8.74%1 Apply Now 48 months 9.24%1 Apply Now 60 months 9.74%1 Apply Now Rates are accurate as of 1/1/2025 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Term APR* Apply Now New Auto/Truck
36 months 5.25%1 Purchase 48 months 5.50%1 Purchase 60 months 5.75%1 Purchase 72 months 6.25%1 Purchase 84 months 7.25%1 Purchase Used Auto/Truck
36 months 6.00%1 Purchase Refinance 48 months 6.25%1 Purchase Refinance 60 months 6.50%1 Purchase Refinance 72 months 7.25%1 Purchase Refinance 84 months 8.25%1 Purchase Refinance Rates are accurate as of 10/1/2023 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply.Rate Type APR* VISA® Cash Wave
Variable 16.74%1
18.00%1 or
18.00%1Apply Now Rates are accurate as of 12/18/2024 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Certain restrictions and promotional terms may apply.Rate Type APR* VISA® Platinum Plus
Fixed 9.99%1 Apply Now Rates are accurate as of 1/1/2025 and are subject to change without prior notice. If you have any questions or need current rate information, please contact us.
* APR = Annual Percentage Rate
1 All loans are subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available, including a discount for automatic payment. Certain restrictions and promotional terms may apply. -
FAQ
UH Hilo FAQs
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Is there a UHFCU branch located on the Big Island?
We currently don’t have a physical branch in Hilo, but you can still manage your accounts with ease! Through our partnership with the Shared Branch Network, you have access to thousands of credit union locations nationwide, including several on the Big Island. These shared branches allow you to make deposits, withdrawals, loan payments, and more, just like you would at one of our own branches.
To find the nearest shared branch, visit hicuso.com or contact us for assistance.
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Where can I find a shared branch on the Big Island?
Here is a listing of all participating “Shared Branch” Credit Unions on the Big Island (as of 10/1/24):
- Big Island FCU – Hilo Branch
- Big Island FCU – Kona Branch
- Big Island FCU – Puna Branch
- Hawaii Community FCU – Hilo Branch
- Hawaii Community FCU – Honoka`a Branch
- Hawaii Community FCU – Kailua-Kona Branch
- Hawaii Community FCU – Kaloko Branch
- Hawaii Community FCU – Kealakekua Branch
- Hawaii County Employees FCU – Hilo Branch
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How do I find a Shared Branch location?
There are many ways to find the shared branch most convenient for you:
- Visit coop.org to search or download locations to your GPS device.
- Download the “Find Branch” app to your iPhone.
- Call 1-888-SITE-COOP (1-888-748-3266).
- Ask one of our employees.
- Look for the CO-OP Shared Branch logo.
Click below to find most Hawai`i Shared Branch locations.
Find a Shared Branch
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Is there a UHFCU branch located on the Big Island?
*Offer valid from 1/1/25 through 12/31/25. To qualify, you must register in-branch or online at www.referlive.com/uhfcuoffers using offer code “SCORE100”. Receive a $100 Visa® Reward Card when you open a new checking account and complete the following within 60 days of account opening: 1) Complete five (5) UHFCU debit card purchases totaling at least $50 AND 2) Enroll in e.Statements. This offer is available to new UHFCU members who open a new UHFCU checking account within 90 days of establishing membership (Note: Existing members should ask about our Referral Program!). Membership eligibility requirements apply. Must be 18 years or older to participate. Accounts must be in good standing at the time of qualification and reward distribution to receive a reward card. The primary owner of the new account must have a social security number on file. Reward will be granted to primary owners only. One reward per account only. Allow 4-6 weeks for delivery of your Reward Card after completing all offer requirements. Reward Card may be reported as income to the IRS. Recipient is responsible for any federal, state, and/or local taxes on reward items. May not be combined with any other offer. Terms and conditions are subject to change at any time without notice. Certain restrictions may apply.