About Us

Hawaii First FCU has been serving the community for nearly 70 years! We serve members island-wide with branches located in Kamuela and Hilo with Waikoloa coming soon!


In April of 1956, a group of 36 paniolo (known as cowboys in Hawaiian) and farmers held a meeting to discuss the organization of a federally chartered Kamuela Community FCU. The purpose they envisioned for the Credit Union would be to help people to save and to also help those in need. By the end of 1956 there were 166 members and a total of $12,263 in assets. In 2003, after nearly 50 years of serving the Waimea community, we changed our name to Hawaii First FCU and are now proudly serving the entire Hawaii Island.

Our Vision

To provide exceptional and personal financial knowledge through service to ensure our members have a better way of life.

Our Mission

Empowering our community by serving Hawaii first!

Hawaii First Federal Credit Union is a community development credit union which exists to provide the highest level of personal financial services to under banked and underserved communities; to encourage thrift, savings, and the wise use of credit, and to increase financial education and the ability of underserved households to maintain their financial well-being thus empowering them to financial sustainability.

Our Core Values

Hawaii First believes in their Theory of Change that clearly articulates the credit union’s vision and mission for assisting their low-income and targeted membership in transitioning from assistance to financial independence.

Hawaii First strives to be a place of help, hope, and happiness, serving all walks of life and is open to the entire Hawaii island community believing that everyone has a right to free basic financial education and access to first chance and second-chance products.

Our field of membership includes any person who lives on the Island of Hawaii, Hawaii; persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawaii; persons participating in programs to alleviate property or distress which are located on the Island of Hawaii or maintaining a facility on the Island of Hawaii; the Island of Hawaii meets the low income definition of part 701.34 of the National Credit Union Administration Rules & Regulations.


Each Credit Union savings account is insured up to $250,000 by the National Credit Union Administration.


Hawaii First Federal Credit Union was chartered under federal law. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA), an independent agency of the U.S. Government. NCUA’s three board members are nominated by the President and confirmed by the Senate.