At a glance
From its website, read 2 Nov 2026HAWAII FIRST FCU is a credit union based in Kamuela, Hawaii. Its website describes auto loans, home mortgages and personal loans. The consumer loan APR it states is 9%. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| loans@hawaiifirstfcu.com source | |
| Website | www.hawaiifirstfcu.com |
| Office (official list) | 67-1187 Mamalahoa Hwy, Kamuela, HI 96743 |
What their website says about applying
Contact us first to get pre-qualified!
sourceStop by to apply for yours today.
sourcePlease call our loan department at our
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 |
|---|---|---|---|
| Loans (general) | Rate: from 9% APR | Featuring rates as low as 9.00% APR | 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
- Low or damaged credit considered
Your credit score doesn’t define your future—let us give you the chance you deserve.
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) | 17 Aug 2026 |
| RSSD ID | 779182 |
| Address | 67-1187 Mamalahoa Hwy, Kamuela, HI 96743 Directions (Google Maps) |
| Website | www.hawaiifirstfcu.com |
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: medium. Loan amounts and service area are not stated on the pages fetched; many loan rates are listed as call branch for information. 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 | — | Celebrate our 70th anniversary with 1 point off your qualified rate as low as 4.50% APR on new autos and 5.00% APR on used autos! | source |
| Home mortgages | — | Hawaii First FCU offers a wide array of mortgage loans for our members. | source |
| Personal / consumer loans | — | Our personal loan is your perfect solution to make purchases or pay for your dream trip. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Our mission is to help Native Hawaiian families who are Lessees of Hawaiian Home Lands have access to affordable housing and a place to call home.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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 are the smallest and the largest loans you make?
No loan amounts are stated on their website. - 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. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$6.2 million in 9 awards from the U.S. Treasury's CDFI Fund, 2007–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $1,600,000 |
| 2021 | CDFI Program, Financial Assistance | $500,000 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $450,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $350,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $1,000,000 |
| 2013 | Native American CDFI Assistance (NACA), Financial Assistance | $524,000 |
| 2011 | CDFI Program, Financial Assistance | $1,242,690 |
| 2010 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $457,623 |
| 2007 | CDFI Program, Technical Assistance | $98,841 |
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 FIRST (charter 10938). 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 | $73.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 6,117 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Hawaii (2 offices)
- Hawaii County (2): 67-1187 Mamalahoa Hwy, Kamuela 96743 (main office); 1221 Kilauea Ave, Hilo 96720
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 FIRST FCU (NCUA charter 10938, filed as “HAWAII FIRST”). 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 | $48.4 million, 1,777 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 4.4% from $50.7 million on 30 Jun 2025 |
| Members | 6,117 (as of 30 Jun 2026); 5,925 (as of 30 Jun 2025) |
| Loans per member | $7,917 (total loans divided by members, 30 Jun 2026) |
| Total assets | $73.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $4.9 million | 10.2% |
| Used vehicle loans | $5.2 million | 10.6% |
| First-lien home mortgages (1-4 family) | $33.7 million | 69.6% |
| Other real estate loans (junior liens, other) | $40,413 | 0.1% |
| Credit cards | $552,599 | 1.1% |
| Other unsecured loans | $2.8 million | 5.8% |
| Leases and other secured loans | $1.2 million | 2.5% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
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 |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $73.4 million | Larger than 30% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 66% | 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 | $50.7 million → $48.4 million (-4%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 192 → 196. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 30% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 192 → 196 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 Kamuela and Hawaii
- Council for Native Hawaiian AdvancementLoan fund · Kapolei, HI · Native CDFISmall-dollar / emergency loans, Energy / solar / efficiency loans, Microloans, Small-business loansVerified
- HHOC MortgageLoan fund · Honolulu, HIHome mortgagesVerified
- Hawaii Central Federal Credit UnionCredit union · Honolulu, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- 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
- Molokai Community Federal Credit UnionCredit union · Kaunakakai, HI · Native CDFIAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
Work at HAWAII FIRST FCU? Link to this page
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