Are my accounts federally insured?

A credit union (CU) is a not-for-profit, cooperative financial institution owned and run by member-owners to provide a safe place to save and borrow money at reasonable rates.

Unlike a bank or other for-profit financial institution, a CU gives its profits back to its members in the form of higher account rates, lower loan rates, lower service fees and other valuable services. Like a bank, the Federal Government insures deposits for CUs. The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure members' accounts at CUs up to the federal limit.

Administered by the National Credit Union Administration, the NCUSIF is backed by the "full faith and credit" of the U.S. government. To join a CU, you must be eligible for membership as determined by the CU's charter. Most CUs are organized to serve people in a particular community, group or groups of employees or members of an organization or association.

Are there private rooms where I can access my safe deposit box?

Your safety and confidentiality are a priority to us. On Oahu, Aloha Pacific FCU offers safe deposit box rentals at the Main branch and Kapolei branch. Each branch provides a safe and secure private area for our members to access their safe deposit box.

Can I get or exchange foreign currency through the credit union?

Kekaha CU and Aloha Pacific FCU currently do not provide or exchange foreign currency.

Can I use one of the shared branches to process transactions?

Kekaha Credit Union participates in shared branching with a number of Hawaii credit unions. To find a shared branch near you, use the search function in our Locations tab.

Can the credit union assist me with a student loan?

We do not offer federally funded student loans. However, please contact us for information regarding other loan options that may be available to meet your educational needs.

What are some advantages of being a member of a credit union?

Kekaha Credit Union membership begins with a personal savings account and entitles you to all of our products and services. Once you become a member, you receive many rewarding benefits, such as higher rates, low account fees, friendly service from knowledgeable staff, convenient access, discounted admission to Family Day events and Member Appreciation Day at the 50th State Fair on Oahu.

How do credit unions differ from banks?

There are many differences between credit unions and banks.

A credit union is equally owned and managed by all of its members; anyone in good standing can run for the Board of Directors. Banks are owned by their stockholders.

Credit unions exist to help consumers build their wealth; measure success through member satisfaction; and have severe restrictions on raising capital. Banks exist to profit through fee income and investments or by raising capital through selling shares and buying or selling acquisitions.

Credit unions are not-for-profit financial cooperatives. Banks are for-profit businesses that keep their earnings.

Credit union membership is limited. Not everyone can join, but all members are equal - from workers to small business owners. At a bank, anyone can be a customer, but bigger businesses usually receive good rates and excellent treatment.

A credit union's earnings go back to members as better rates and fewer fees. A bank's profit goes back to the stockholders, not to the banking customers.

Do you have coin machines?

Coin Bank service is available at these Aloha Pacific FCU branches:

  • Downtown (Fort Street)
  • Kailua
  • Kaimuki
  • Main Branch
  • Waikele
  • Waimalu
  • Las Vegas (Henderson)

For non-members, there is a 5% service fee to use our Coin Bank service.

Do you offer business accounts?

Kekaha Credit Union offers a competitive array of loans, accounts and services to help manage and grow your business.

Ask us about our competitive rates, lower fees and other valuable benefits. Most businesses are eligible for membership, including sole proprietors, partnerships, limited liability companies, limited liability partnerships, corporations and nonprofit organizations.

Check out our Business pages; or contact us at (808) 337-1433 for more information.

Do you offer consolidation loans?

Kekaha Credit Union offers an array of loan products. Please visit the branch or call us at (808) 337-1433 for assistance.

Do you offer construction loans?

We do not currently offer construction loans. Please contact us at (808) 337-1433 or visit the branch for information about our other loan products that might assist you.

Do you offer pay day loans?

Kekaha Credit Union offers personal term loans, auto loans and VISA credit cards.

Do you offer student loan consolidation?

We do not offer government-insured student loans. Refer to your school's financial aid office for assistance.

Does Kekaha Credit Union offer scholarships?

The Masami Oishi Scholarship is a cash grant distributed annually to full-time students enrolled in an accredited college, university or trade school in either graduate or undergraduate programs. In addition, you must be a member in good standing for at least one year before the scholarship ceremony, complete the application and provide the required documentation by the posted due date.

Applications are available January. See application for other requirements that may apply. Look for the official notice in our newsletter or online.

How is a credit union governed?

Credit unions are regulated by government agencies. These agencies must examine credit unions and make sure the credit union is following laws and regulations and operating safely. Before a credit union can open for business, it must obtain a charter. A charter is a license to operate.

How much cash can I withdraw from my account at a branch?

Generally you may withdraw up to your available balance. If you intend to withdraw a large amount, please contact us in advance so that we may plan accordingly to assist you.

I have a loan with the credit union and I am considering filing bankruptcy. I do not want to include the credit union in the bankruptcy, what do I do?

We recommend that you seek legal counsel regarding your intention to file for bankruptcy.

Is Kekaha CU a full-service financial institution?

Kekaha Credit Union offers savings, checking and certificate accounts, mortgages and a variety of loan products to meet your needs. The credit union also provides many other useful services. Please explore our website or call us for more information.

Is there a shredding machine for member use?

Kekaha Credit Union is not equipped with shredding machines.

Do you offer notary service?

Notary services are available at our Kekaha branch.

Please call us at (808) 337-1433 to confirm the availability of a notary. We provide notary service to members and nonmembers. Please contact us for additional information.

What are your hours for accessing my Safe Deposit Box?

Safe deposit boxes are located at Aloha Pacific FCU's Kapolei Branch (1001 Kamokila Boulevard) and Main Branch (832 South Hotel Street) on Oahu. Please search the Locations tab on our website for more details and branch hours.

What is a credit union?

A credit union is a not-for-profit, cooperative financial institution owned and run by member-owners to provide a safe place to save and borrow money at reasonable rates. Unlike a bank or other for-profit financial institution, a credit union gives its profits back to its members in the form of higher account rates, lower loan rates, lower service fees and other valuable services.

What is Kekaha Credit Union's mailing address?

Kekaha CU branch's street address is:

Kekaha Credit Union
8254 Kekaha Rd.
Kekaha, HI 96752

Kekaha's mailing address is:

Kekaha Credit Union
P.O. Box 609
Kekaha, HI 96752

Some business mail would go to:

Kekaha Credit Union
832 South Hotel Street
Honolulu, Hawaii 96813

What is the monthly fee for Business Bill Payment?

Kekaha Credit Union does not currently offer a Business Bill Payment service.

What size Safe Deposit Boxes do you offer?

Aloha Pacific FCU offers Safe Deposit Box rentals at two branches on Oahu. Box sizes vary. Please call us at (808) 531-3711 or (877) 531-3711 for more information.

What types of savings bonds can the credit union cash?

Kekaha Credit Union does not negotiate savings bonds at this time.

When does the Holiday Savings balance transfer to my checking or savings account?

Generally, the balance in the Holiday Savings is transferred on October 1 of each year. You may enroll at any time.

Please find more details on our Holiday Savings page.

Who can join Kekaha Credit Union?

To become a member, you must belong to one of the groups (or common bonds) and maintain $5 in your savings account. Please click on the Membership page for eligibility or call us at (808) 337-1433.

Who owns a credit union?

When you open a savings account (also known as a share account), you become an equal, part owner of the credit union. The credit union exists for and to serve its member owners.

Why do I get the Call Center when I call the Kekaha branch?

To better service members in the branch as well as members who are requesting assistance through the telephone, overflow calls are routed through our Call Center. In the event you need to speak with a specific employee, the Call Center representative will forward your call to the appropriate person.