At a glance
From its website, read 2 Nov 2026Hawaii Central Federal Credit Union is a credit union based in Honolulu, Hawaii. Its website describes auto loans, home mortgages and personal loans. Stated loan amounts run from $10,000 to $1M. Consumer loan APRs stated on its site range from 5.25% to 8.403%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (808) 536-0833 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.hawaiicentral.org |
| Office (official list) | 681 S. King Street, Honolulu, HI 96813 |
What their website says about applying
Visit HawaiiCentral.org for more information and to apply.
sourceContact our experienced Mortgage Loan Officer to help make your investment work for you.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate: 5.25% APR | 3-year fixed rate: 5.25% APR* | source |
| Home mortgages | Rate: 6.101% APR | 6.101% APR is based on a $100,000 loan amount with fixed payments amortized over 30 years. | source |
| Home mortgages | Rate: 8% APR | Current variable rate: 8.00% APR* | source |
| Home mortgages | Rate: 8.403% APR | 8.403% APR is based on a $100,000 loan amount with fixed, fully amortizing payments over a loan term of 15 years. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Hawaii Central Membership is required.
source - Collateral flexible or not always required
with no collateral required
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 18 Jan 2016 |
| RSSD ID | 710390 |
| Address | 681 S. King Street, Honolulu, HI 96813 Directions (Google Maps) |
| Website | www.hawaiicentral.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Loan sizes are credit-line limits for home equity and land/construction lines; the pages state no service area beyond Oahu residential collateral for home equity lines. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | When purchasing a new car, we have competitive rates to meet your needs. | source |
| Home mortgages | — | our mortgage products offer competitive rates and personalized support every step of the way. | source |
| Personal / consumer loans | — | our personal loans can assist you with your needs with no collateral required. | source |
Loan sizes
The minimum credit line is $10,000 with an initial draw of $10,000.
sourceThe maximum credit line is $1,000,000 up to 75% LTV.
sourceThe maximum credit line is $900,000 up to 80% LTV.
source
Range used for the size filter: $10,000 to $1M
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. APPLY FOR A LOAN
source
Pages read (7)
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What is the APR, including fees, on your auto loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.9 million in 3 awards from the U.S. Treasury's CDFI Fund, 2018–2024 (CDFI Program, Financial Assistance; Native American CDFI Assistance (NACA), Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $550,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as HAWAII CENTRAL (charter 24839). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $307.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 16,211 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Hawaii (2 offices)
- Honolulu County (2): 681 S King St, Honolulu 96813 (main office); 1301 Punchbowl St, Honolulu 96813
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Hawaii Central Federal Credit Union (NCUA charter 24839, filed as “HAWAII CENTRAL”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $178.3 million, 5,912 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.1% from $163.4 million on 30 Jun 2025 |
| Members | 16,211 (as of 30 Jun 2026); 16,226 (as of 30 Jun 2025) |
| Loans per member | $10,996 (total loans divided by members, 30 Jun 2026) |
| Total assets | $307.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $3 million | 1.7% |
| Used vehicle loans | $4 million | 2.3% |
| First-lien home mortgages (1-4 family) | $77.6 million | 43.5% |
| Other real estate loans (junior liens, other) | $64.6 million | 36.2% |
| Commercial (business) loans | $9.3 million | 5.2% |
| Credit cards | $3.4 million | 1.9% |
| Other unsecured loans | $15.8 million | 8.9% |
| Leases and other secured loans | $661,843 | 0.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $1M | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 94% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $307.6 million | Larger than 63% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 58% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $163.4 million → $178.3 million (+9%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 117 → 116. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 94% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 63% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 117 → 116 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Honolulu and Hawaii
- Hawaii Community Reinvestment CorporationLoan fund · Honolulu, HICommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Hawaii Federal Credit UnionCredit union · Honolulu, HIAuto / vehicle loans, Personal / consumer loansVerified
- Hawaiian Lending & InvestmentsLoan fund · Honolulu, HI · Native CDFIOfficial list only
- HHOC MortgageLoan fund · Honolulu, HIHome mortgagesVerified
Work at Hawaii Central Federal Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.