Save. Plan. Retire.

Koolau Federal Credit Union

Koolau Federal Credit Union offers a mobile app that gives you access to your account information at any time, anywhere. Use it to manage your debit and ATM cards, set transaction notifications, monitor travel alerts and more!

Hawaii Community FCU has issued apologies to members after mistakes at their mainland electronic payment clearinghouse caused some people to see thousands of dollars disappear from their accounts since July 5. This issue began July 5.


Koolau Federal Credit Union is a not-for-profit financial institution owned and run by its members, who contribute funds into their accounts at the credit union in exchange for shares that give democratic control over their financial institution; one vote per member regardless of how many shares are owned.

Experience our comprehensive Financial Performance Report to gain a clear picture of the credit union’s health and progress toward its goals. This easy-to-read statement gives an in-depth view into assets, liabilities, income and more.

Values & Mission

Koolau Federal Credit Union operates as a financial institution. The Credit Union offers deposit accounts, loans and other banking services to its customers in Kailua, Hawaii United States.

Koolau FCU offers various loan solutions tailored to fit the needs and budgets of its members, with competitive rates that are regularly evaluated and adjusted as needed.

The Credit Union can also offer security for your identity, home, vehicles or loans as well as support financial literacy programs. Furthermore, their Texas Ratio compares loans at risk with available capital reserves to absorb losses on any given loan loan loss scenario.

Routing Number & Locations

Koolau Credit Union offers financial services across the United States. Their financial products and services include insurance and security protection for members and their families as well as protection of both personal and professional assets.

ABA routing numbers (also referred to as bank or ACH routing numbers) are 9 digit codes used to identify specific banks for various transactions such as direct deposits, electronic payments, wire transfers and check ordering.

Behold an in-depth view of Koolau Federal Credit Union’s financial performance using the 3rd Quarter 2023 NCUA Call Report. From operations to assets, this comprehensive financial statement gives an objective picture of their health.


Koolau offers an array of checking services – both online and mobile access are available – making managing your money simpler than ever before.

Ko’olau Federal Credit Union’s operations and assets are insured by the National Credit Union Administration (NCUA). Click here for more information regarding your NCUA coverage.

CO-OP and Hawaii Network members can take advantage of free branch locations for withdrawals, checks balances and transfers at any shared branch location in either network, including withdrawals. Find your closest shared branch by clicking on the button below!


Koolau offers an array of savings services designed to help you take control of your money. Our checking and savings accounts feature competitive interest rates as well as convenient online and mobile banking tools.

KFCU has the lending solutions you need, when it comes to borrowing money. From personal loans with competitive rates and auto loans to mortgages and debt consolidation. Plus we offer loan consolidation for reduced payments.

Members have access to over 5,500 CO-OP and Hawaii Network shared branches nationwide for withdrawals, deposits and loan payments – just as though you were at your own KFCU branch!

Loans & Credit Cards

Koolau FCU’s mission is to assist its members in accessing credit. It puts member satisfaction first and offers competitive interest rates on loans and savings accounts; furthermore it provides education and counseling sessions to help members meet their financial goals.

Credit unions typically offer lower fees and more lenient lending criteria than banks, while being regulated by state and federal authorities; many even boast NCUA deposit insurance to protect member funds up to a specific limit.

KFCU members can use shared branches to conveniently complete financial transactions such as withdrawing money or depositing checks – just as if they were at their own branch! Each of these locations displays the Shared Branch logo to identify itself as such a service location.

Retirement Planning & Investments

Federally chartered credit unions provide members with an ideal environment in which to both save for future needs and borrow at short notice. Members exercise democratic control through one member one vote regardless of shares owned.

Membership in Koolau is open to individuals residing, working, worshipping or attending school within Michigan’s counties of Alcona, Alpena, Antrim, Benzie, Cheboygan Crawford Gladwin Iosco Kalkaska Manistee Missaukee Montmorency Otsego Presque Isle Roscommon Wexford as well as their immediate families as members.






Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.