No hidden fees

We keep fees low, so more of your money stays in your wallet.

Cash rewards and discounts

Earn cash rewards and member exclusives on the spending you already do.

Competitive rates

Designed to help your savings grow and your loans cost less.

Digital Banking tools

Manage your money online and via mobile, anytime.

See why Hawaii loves HawaiiUSA Federal Credit Union

Get started

Ready to start getting more from your banking? Here’s how membership works.


Membership Eligibility

You may be eligible to join HawaiiUSA if:

  • You or someone in your family or household is part of Hawaii’s education community—as an employee, retiree, student, or student’s parent (pre K through 12)
  • You're affiliated with one of our 10,000 Select Employee Groups (SEGs)
  • An immediate family member is already a HawaiiUSA member


Not sure where you fit? We’ll help you figure it out. 

Connect with a HawaiiUSA expert


What you'll need

Starting at age 17 with the proper identification, you are eligible to open standard checking, savings, and certificates

You'll need one of the following valid forms 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

If you’re a parent/legal guardian opening a Savings account or Certificate on behalf of your minor child, you’ll need:

•    Your own valid ID
•    The minor’s Social Security Number
•    The minor’s Certified Birth Certificate

If you are under 17 years old, you can open certain accounts on your own. For others you’ll need a parent/guardian to be a joint accountholder:

•    Age 15-16: with valid ID, you can open a Savings, Certificate, or Checking account. You’ll only need a parent/guardian to be joint on the account if you’d like to get an ATM or Debit card
•    Age 13-14: with valid ID, you can open a Savings or Certificate with a parent/guardian as a joint accountholder

Ready when you are

Opening a HawaiiUSA personal membership is simple—and the benefits start right away.

Frequently asked questions

You can apply for a membership by opening an account online, or if you are a current member, you can open a secondary savings and checking account! 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 

Yes! Immediate family of HawaiiUSA members can apply online to open an account. Additional eligibility options are also available.