Back to Kailua Kona credit unions

Hawaii Community

73-5611 Olowalu St, Kailua Kona, HI 96740
NCUA Insured2.8 (32 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

73-5611 Olowalu St

Kailua Kona, HI 96740

Service Area

This credit union is located in Kailua Kona and serves members in the HI area. Currently serving 46,106 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.75%

Used Auto Loan

7.75%

Personal Loan

7.50%

Credit Card APR

15.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in HI

Lowest rates currently reported by credit unions in HI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(10 total)

Member Reviews

2.8

32 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Nick Swolson

Nick Swolson

3 months ago

After months and months of battling with them over some "bad address" surcharge I closed my account. I made it right the first time and bit the 50$ bullet and said if the mail to my apartment is getting returned then stop sending mail and opted out of mailing services as they suggested it was a postal service issue. They then continued to rack up a bad address surcharge for months after me explicitly telling them it is out of my control. There was a 40$ balance from their fees and charges exclusively from a "bad address" that I was unable to remedy. They sent that $40 to collections, and I have filed a complaint through BBB and the credit bureaus. Save yourself from this scamming cash grab of an establishment and just get a chime card. No holds on money, get paid faster, zero fees for anything, let's you overdraft $400 for free. I'd give this place negative stars if I could.

Kim Le Geyt

Kim Le Geyt

9 months ago

Teresa was really patient and helpful being our notary for our three documents. And the service they offer is very affordable ($5 per document). They offer this even if you’re not a customer. Suggestion call and make an appointment in advance!

TWEnnisTV

TWEnnisTV

a year ago

BY FAR the worst institution I have ever been involved with. They literally list no phone numbers to get direct help from the bank because they outsource to a call center, who of course has been no help because of their limited access. I have now reached out a total of 13 times trying to make a simple CC payment, and invested 2 hours and 43 minutes of my time doing so (1 hour and 23 min of this was me put on hold in one sitting...). I am no longer living on the island (so I can't simply go in) and my only relation I have with this bank is the CC debt I have been paying off. I innocently forgot to pay one month of my credit card, and they immediately put my account into delinquency. I received no phone calls from them before they put the account into delinquency like any other institution would do. This is also the first time I forgot to make a payment in my 5 years having the account. So, I went to my online account to make the payment, but if you can believe it, they restricted my account and make it impossible to make the payment online as I have done so for years. I am forced to call and of course the call center is completely unable to help me because they also show the account is delinquent and they too are restricted. In order to get this resolved, I would need to speak with a "specialist" apparently from the institution and not from the call center. I have now left 5 different ticket requests for this specialist to call me, and have not received any call backs but one time. This time she said she made the payment as requested and that a manager would call to explain to me why they make it impossible to make a payment online after only 30 days for not making a payment, and for the first time in my tenure with the organization. However, I have yet to receive a call back of course AND the payment she said she processed never happened! I am STILL delinquent even though I have made more than enough and reasonable efforts in trying to make this payment and get some kind of customer service. I am 2 weeks into this frustrating and time consuming circus show with still no resolution or managerial assistance. DO NOT DO BUSINESS WITH THIS INSTITUTION. Avoid it at all costs.

A Person

A Person

10 months ago

So awesome! I bank here regularly and have had no problems! Also can get discounted movie tickets as a credit union member, which is a big plus. The tellers are very friendly, and have helped me lots! Thank you for over 10 years of service

Jonathan Marshall

Jonathan Marshall

3 years ago

The new call center has ruined this credit union. This credit union used to be great but it has gone down hill over the last few years. I have had so many issues lately that I needed to change to a larger bank. First issue I had was a credit card dispute which I am still working on from November 2022 where I was double charged and the merchant closed shop and disconnected everything. Card services has no information to use from the credit union and keeps denying my dispute. I have made 8-10 calls between card services and the credit union and as of 3/8/23 has yet to be resolved. The second issue I had was receiving a new credit card due to the chip not working correctly. My card was going to expire soon so I asked for a new card with a later expiration date and new chip. I was told that the new card would have a later expiration date. I paid for the expedited shipping and I ended up receiving the same card with expiration date. So another couple phone calls to the call center and I was able to get my expedited shipping charge refunded. The third issue I am now dealing with is getting my scorecard rewards points to update on my account. I haven't been receiving any points when I use my credit card for the last month or two. I've left numerous call center requests trying to resolve these issues and I am about to give up completely. It shouldn't be this hard to use a credit union or get things fixed. I have been a member at this credit union since 2008 and will be moving on to a new bank/credit union who has better service and can actually resolve issues.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).