If you’re looking to add a solar photo-voltaic system to your home or encounter unexpected repairs, Hawaii Central Federal Credit Union (HCFCU) will be there to help you with any planned or unplanned home projects. At HCFCU, the focus is to provide members with the best financing solutions for their specific needs.

So, what exactly makes HCFCU different from other lenders?



As a credit union, HCFCU follows a different not-for-profit business model than a for-profit financial institution. Credit unions do not have any stockholders, so profits are directed back to their members in the form of lower loan rates and higher dividend rates on deposits. Credit Unions are operated by their members, who are also their owners. This changes the focus from creating profits to creating exceptional member service while providing affordable financial services.

Personal service and attention

Credit unions began with the philosophy of “people helping people” and at HCFCU, that same “people-first” philosophy is the basis of the quality of services it offers.

“At HCFCU, we enjoy getting to know our members and working with them to find a loan that will work for them,” said loan officer Elly Draculan, who has worked at the credit union for more than 20 years.


Your money stays local


As a local financial institution, HCFCU keeps your money in Hawaii and is able to provide quick funding for your next project. With many banks tightening lending standards and conditions, HCFCU is able to offer flexible terms and may be able to offer alternative loan programs — all within a timely manner.

Easy to join

HCFCU is a community-based credit union. That means that if you live, work, worship, or attend school on Oahu, you can join HCFCU. Once you become an HCFCU member, you are a member for life.

As a member-owned cooperative that started in 1937, HCFCU owes its success and longevity to its loyal members and remains dedicated to providing top member service. Experienced loan officers are available to help assess your financial situation and recommend loan options that you may not have previously considered.


You too can experience the credit union difference! For more information about Hawaii Central Federal Credit Union, call 536-3677 or go online at www.hccu.info. You may also visit the friendly staff at 681 S. King St.

Hawaii Central Federal Credit Union is federally insured by NCUA.