• No hidden fees

Cash rewards and discounts

• Attractive rates

Digital banking tools

• Member protection, privacy and security

• HawaiiUSA offers

Membership is simple and free

Start enjoying member benefits today.



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Employer solutions


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How to become a member

You may be eligible to join HawaiiUSA if:

  • You or a member of your family or household is in the field of education as an employee, retiree, student or student's parent in a majority of Hawaii schools, pre-K through 12th grade
  • You are affiliated with any of our 10,000 Select Employee Groups (SEGs)
  • Your immediate family member is a HawaiiUSA member

Standard Accounts – 17 ½ years of age and older 

One valid form of identification:

  • State of Hawaii Driver’s License
  • Out of State Driver’s License
  • State of Hawaii Identification Card
  • Out of State Identification Card
  • Military Identification Card
  • Military Civilian Identification Card
  • Resident Alien Identification Card
  • United States Passport

Note: Temporary Identification and Driver’s Licences with any Restrictions stated on the card (i.e. Limited Purpose) are NOT acceptable for new account purposes.


Minor Accounts – younger than 17 ½ years of age

  • Certified copy of Birth Certificate (Not issued by Health Facility)
  • Minor’s Social Security Number
  • Parent/Legal Guardian to be joint on the account/share(s) with the minor
  • Parent/Legal Guardian must provide an acceptable form of identification


Everything you'll need to transfer your accounts to HawaiiUSA from your current financial institution is available in a quick download.

Learn more

See what our members are saying


Become a homeowner in Hawaii

"I would not be where I am today financially without the help and support of HawaiiUSA"



Set a financial foundation

"HawaiiUSA helped our family a lot. When I go in there, it feels like family."

Educational Assistant


Help me pursue my passion

"Opening that bank account was that first step into independence and being on my own in college."

Medical Student

Meet HawaiiUSA

HawaiiUSA Federal Credit Union is a not-for-profit, federally insured financial cooperative, owned and operated by their members. As the largest credit union in Hawaii by membership, HawaiiUSA serves over 134,700 members on the four major islands. The Credit Union helps families seeking to buy their first home, parents trying to fund their children’s education, community groups looking for active and involved partnerships, and new and established businesses looking to make their mark in Hawaii.