Latest Announcements

About 5 days ago

The Credit Union will be closed on Friday, April 19, 2019, in observance of the state holiday. Please use your Waialua FCU debit card for access to your account surcharge free at any First Hawaiian Bank ATM.

  • Apply for a Loan Online!

    We're proud to present our new online loan application! Now you can apply for a loan from the comforts of your home!

    Apply Now
  • Get an Auto Loan

    If you're looking for a new car, stop on by and apply for loan. With rates as low as 4.99% APR, you'll be smelling that "new car smell" in no time.

    Read More »
    Image courtesy of
  • Serving Since 1937

    Waialua Federal Credit Union has been proudly serving the residents of the Waialua community since 1937.

    Photo by davidd / cc by 2.0

Member Benefits

Looking for a credit union in the Waialua area? Our members enjoy a variety of benefits, like these:

  • Inexpensive wire services
  • Free notary services
  • Discounted movie tickets
  • Federally-insured accounts
  • … and lots more!

Learn more

Great Rates

Item Rate
Personal Loan 12.00% *APR
New Auto 4.99% *APR
Used Auto 7.00% *APR
Share Secured 3.00% *APR
HELOC 3.75% *APR
Share Rate  3.25% *APR
Regular Dividend 0.75% **APY

*Annual Percentage Rate

**Annual Percentage Yield

Personal, New Auto, Used Auto, and Share Secured rates may be reduced up to 1% deduction for autopayment with electronic deposit.

Our Location



Card Guardian logo