Welcome to UHFCU!
We've partnered with Upgrade for your Personal Loan
Welcome to the University of Hawai`i Federal Credit Union! Although Upgrade manages your new Personal Loan, we’re happy to have provided the cash to make it happen.
With UHFCU membership, you’ve unlocked exclusive access to the award-winning products and services available only to our members, like you.
Not only that, but you have also been automatically qualified for a $1,000 Platinum Plus Credit Card! PLUS, we’ll give you a $100 reward when you complete our new account requirements.2
$1,000+ Platinum Plus Credit CardApply Now
$100 Cash Reward
Get a $100 Visa® Reward Card when you open and use a Checking account!2Learn More
Enjoy FREE Online/Mobile Banking services, plus open accounts or apply for loans in less than 5 minutes.
- 1.75% Cash-Back Credit Card with no annual fee*
- Auto Loans with terms up to 84 months
- Personally-serviced, flexible Home Loans
- High-Yield Savings paying 25x better than local banks**
- Lowest average fees/member of Hawai`i CUs***
- Elite service level scores
How do I apply for my $1,000+ credit card?
Click here to apply in minutes!
How do I redeem my $100 reward?
- Register at referlive.com/uhfcuoffers
- Use Promo Code: “SCORE100”
- 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
- How do I apply for my $1,000+ credit card?
$100 New Member Reward
2 *Offer valid from 8/1/22 through 12/31/22. To qualify, you must register in-branch or online at www.referlive.com/uhfcuoffers using promo 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. 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.
**$500 minimum balance to open. Minimum and maximum balance requirements apply to daily balance. Dividends compounded and credited monthly. One free withdrawal per calendar quarter. A withdrawal fee may apply thereafter. The interest rate and APY are subject to change. Other terms and conditions apply. Fees could reduce earnings on account.
***Based on general fee data using publicly available data from the NCUA (https://mapping.ncua.gov/ResearchCreditUnion.aspx). Calculated by dividing the total amount of fee income generated by the total number of members. We compared our average fees/member to the top-5 largest Hawai`i credit unions in terms of asset size. NMLS #421550.