It’s hard to believe we’re at the half-way mark of 2021. As we all emerge from a long, chaotic season, it’s a good time to take a step back to reflect on how we were able to turn challenges into opportunities. Here are some of the ways HawaiiUSA has gained clarity despite the fog.  


Staying connected with our members

Even during the initial shutdown directed by the Governor, as an essential business we kept most of our branches open. By June 2020 we reopened all branches with new, consistent hours to better serve in-person needs. We also recognized the importance of connecting remotely, expanding our call center capabilities and launching an all-new digital banking platform.


Empowering our workforce

Our people are our most important asset, and this past year was full of opportunities to demonstrate our Life matters commitment to them. We prioritized their wellbeing and capacity to serve members’ needs. We committed financial resources to support our staff through providing protective equipment and supplies, flexible time off, remote working capability, and creating a safe, physically distanced environment.

We embraced performance excellence through constant learning and innovation. The results were improved efficiencies that allow us to better serve our membership.


Serving individuals, communities, and businesses

The credit union motto “People helping people” is core to who we are. It’s our values, not shareholders, that influence our decisions. We gave back to those in need through partnerships and donations of time and funding.


2020 Giving by the numbers

  • $52.7 million in funds disbursed to 5,000 qualifying small businesses for the City & County of Honolulu, Kauai County and Hawaii County’s grant programs
  • $10.9 million in SBA Paycheck Protection Program (PPP) loans to qualifying businesses
  • $738,200 in donations and in-kind givebacks to nonprofits and organizations in need
  • $721,500 in college scholarships awarded since 1990
  • 58,600 Grab and Go Meals served to students of Pearl City and Waipahu schools
  • 1,456 hours volunteered by our workforce


Financial relief and wellness

For members who experienced financial hardship, we provided relief in the form of loan payment deferrals, special rate discounts on new loans, and increasing credit limits. We recognized, however, that while these types of triage measures could help in the short-term, they needed to be combined with long-term strategies. We provide ongoing financial coaching, online tools, and financial education in schools and workplaces, all free of charge. In the past 18 months alone, more than 9,000 keiki and teens benefitted from classroom financial education resources from HawaiiUSA.


Growth despite adversity

If anyone had predicted that we’d grow financially during such a challenging year, we may not have believed it. Thanks to the support of our members, we reached the milestone of $2.1 Billion in assets and $1 Billion in loan balances.

In addition, we were honored to receive the following recognition and awards:

  • Recognized by Forbes as a “Best-in-State” credit union for 4 years in a row (2018-2021)
  • Voted one of “Hawaii’s Best Credit Unions” by Honolulu Star Advertiser
  • Selected as one of Hawaii’s “Top 250 Businesses” by Hawaii Business Magazine


What’s in store

We’ve learned so much about what it takes to be not only successful, but sustainable. As we all accelerate out of the pandemic together, demands of our industry, our members, and our workforce are evolving. We are remaining relevant through improved systems and processes, while also deepening human relationships.


We’ll continue to leverage technology, while providing personalized experiences. Think: Live chat on our website and mobile app to help you with everything from questions about a loan application to navigating Digital Banking. In-person or video consultation: whether planning for a life change or dealing with the unexpected. Even providing on-site or remote support at the workplace for our business partners, because financially healthy employees are thriving employees. Our friendly and knowledgeable staff make it easy to talk story about your unique situation, always with your best interests in mind.


We use technology to meet your needs in more ways, not fewer. We use it to connect with you, not as a reason to detach. It’s just another tool that allows us to fulfill our Life matters commitment to you. And that’s our bottom line.



Mahalo nui loa,


Karl Yoneshige

President & CEO

HawaiiUSA Federal Credit Union