Become an Owner-Member

When you join, you will become an owner of the University of Hawai`i Federal Credit Union – the University’s Credit Union. As a UHFCU member, you will enjoy warm, friendly service, convenience, and money-saving rates and fees. Now’s the time to join a “wholesome alternative” with truly local roots, trustworthy advice, and many of the same products and services you’ll find at the big banks.

The Smarter Way to Bank

• State-of-the-Art banking & convenience
• 4 branches – including 1 convenient on-campus branch
• Founded in 1955 by a group of UH faculty members
• Over $800 million in assets and 30,000 members

Chances are YOU are eligible! Join the University’s Credit Union and experience what it is like to be part of a team supporting your school, fellow classmates, professors, staff, and their families.

Chances are YOU are eligible!

• Faculty and Staff of the University of Hawai`i system
• Students and Alumni of the University of Hawai`i system
• UH Alumni Association members (Note: If you graduated from the UH System, you are already a UHAA member) and UH Board of Regents
• Faculty, Staff, Students, and Alumni of the East-West Center
• Employees of and students attending Kuhio Elementary, Lunalilo Elementary, Ala Wai Elementary, President George Washington Middle School, or the University Laboratory School
• Members of St. Mary’s of Mo`ili`ili Episcopal Church
• Employees of the State of Hawaii, Department of Health, who work within the Leahi Hospital Complex
• Employees of the Hale Nani Health Center and the Beverly Manor Convalescent Center
• Employees of the Hale Malamalama Intermediate Care Facility
• UHFCU employees
• Immediate family and household members of persons in Field of Membership

• 1955 – 10 UH colleagues spearheaded the Charter that created UHFCU.
• 1967 – Approved to extend membership to employees of UH organizations.
• 1991 – Surpassed $100 million in assets; Reached 12,313 members.
• 1994 – Able to accept students of the UH system as members.
• 2001 – Surpassed $200 million in assets; Reached 20,851 members.
• 2007 – Surpassed $300 million in assets; Reached 22,855 members.
• 2008 – We began partnering with Professor Michael Cheang of the University of Hawai`i School of Family and Consumer Science and Kuhio Elementary School in educating our youth about the importance of saving.
• 2009 – Surpassed $400 million in assets; Reached 23,865 members.
• 2010 – Extended our hours of operations. On Fridays, we’re now open to 6 p.m. On Saturdays, from 9 a.m. to 1 p.m. We also surpassed $500 million in assets; Reached 24,099 members.
• 2011 – Opened our branch at the UH Manoa Campus Center.
• 2012 – Opened our branch at the UH West Oahu Campus Center.
• 2017 – Partnered with Leahi FCU.
• 2018 – Voted one of “Hawaii’s Best” Credit Unions by the Honolulu Star-Advertiser.
• 2019 – Voted one of “Hawaii’s Best” Credit Unions by the Honolulu Star-Advertiser. Reached 30,000 members.
• 2020 – Opened our branch at Manoa Marketplace. Selected as one of “America’s Best In-State Credit Unions” by Forbes Magazine. Surpassed $750 million in assets.
• 2021 – Voted one of “Hawaii’s Best” Credit Unions by the Honolulu Star-Advertiser.
• 2023 – Opened our branch at Kapolei Commons. Voted one of “Hawaii’s Best” Credit Unions by the Honolulu Star-Advertiser. Surpassed $800 million in assets.
• 2024 – Voted one of “Hawaii’s Best” Credit Unions by the Honolulu Star-Advertiser.

A credit union is a not-for-profit, financial cooperative that offers the same financial products and services as banks. But, one key difference is that credit unions exist for the purpose of helping their members financially, not to make a profit. When you join a credit union, you’re not just a customer. You are a member that owns a piece of the credit union. Rather than paying profits to unknown stockholders all over the world, the excess earnings are passed back to members in the form of competitive rates, additional products and services, and lower fees – saving you money. Credit unions are founded on the philosophy of “People Helping People,” which is demonstrated through unmatched service and dedication to their members.

Experience the Authentic Difference

• Not-for-Profit
• Owned by Members
• Membership with a common bond
• Save at higher rates
• Borrow at lower rates
• Fewer and lower fees

UHFCU is governed by a Board of Directors that establishes and reviews policy. The Directors are credit union members who are elected by the membership and are volunteers who serve without pay. Our Board of Directors ensures the credit union serves members’ interests with the highest standards of integrity and compliance. Serving equally as tough critics and wise counsellors, they provide in-depth oversight of the major strategic issues of the company.

• Edward Yuen, Chairperson
• Sylvia Higashi, Vice Chairperson
• Barbara Kawamoto, Treasurer
• Michael Unebasami, Secretary
• David Ching
• Kenji Sumida
• Clifford Togo