University of Hawaii Federal Credit Union

* there are better credit unions out there
* UH CC window is the best part of this one
* failed to send me a single new debit card in a 4 month period (charged me anyway)
*p2p transfer has been down since i started over a year ago
*rude customer service agents (never responded to my emails, even though i was stuck in a foreign country with no access to my bank account.)
* told me i should have been more prepared.
*people who ACTUALLY answer the phones don’t know anything.
*“against policy to air mail any documents” except it isn’t!
*agents who are completely unemotional and epressionless
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**update. Closed my account today and they gave me a CHECK!!! how does that help me.

UHFCU wittled my account to near zero with dormant fees without notification by mail or email. Their notification was on a statement that was not sent but available online. Legal theft by my account. HSFCU called and sent a letter warning me of dormant fees. HSFCU is a MUCH better FCU by all accounts.

Woohoo! It pays off to pull a rate. Second day trying-​lucky 1.49%! It’s time to go car shopping. Thank you UHFCU!

i apply for a personal loan last night and i was able to get the money today. that was fast and easy. great customer service and low interest rates. this was the fastest loan application ive ever had! s\o to miss kimberly (loan officer) for great and fast transaction!

We always receive excellent customer service here; prompt, efficient and work a smile. Thanks for today, Kim!

I was looking to open a checking account at a credit union in addition to my main accounts with American Savings to supplement my daily banking needs and keep purchases seperate from others. I chose UHFCU since I am an alumni.
Walked into the branch, gave the front desk my name and purpose of my visit, 3 minutes later a guy named Avery came out to walk me into his office. So far so good, no wait time, I thought I would be in and out in 15 minutes… wrong.
My experience can be accurately described as awkward and agonizing. I was in his office for 1.5 hours!
It started off typical of what you might expect but took a dramatic turn for the worse. Turns out I needed to open a savings account to get the checking account which was fine by me but throughout the entire process Avery made very random awkward conversation and seemed like he didn’t know what he was doing.
This guy seemed very unsure of what he was supposed to do which in turn made me nervous. For example he asks for my ID so I give him my drivers license, he gives it back to me, this repeated three times! What information from my license are you forgetting to take down? He then asks me for my mothers maiden name which is a standard question but after I tell him he then asks «are you sure?» yes I am positive sir wth? I also waited 2 weeks for my debit card and personal checks to arrive and started to worry when they didnt come in the mail, I call the call center and come to find out he didnt order either of them now have to wait another 2 weeks!
It wasnt only that the entire process took 1.5 hours, I mean yes that was horrendous and I should have just walked out but what made it worse was Avery’s awkward attempt at very inappropriate conversation. He just made me feel completely uncomfortable on a whole other level with personal questions that went waaay beyond small talk. And the fact that he had the nerve to send me a friend request on facebook is absolutely crossing a line.
Maybe Avery is new, if so he needs more training and definitely needs tips on what subject matter is and isnt appropriate when you’re at work or dealing with people you dont know.

Legal thieves. Account had minimum balance, but wasn’t used. Instead of savings earning interest, inactive fees depleted account. This negated requirement of dispersing funds to state.
Also, sent repo man to repo car day AFTER account brought up to date. Was charged $ 500 for erroneous repo visit.
Do ANYTHING to NOT use UHFCU.

I have a few different checking accounts with several different banks though out the years. I was never happy with any of them, either bad servicing or fees.
When I worked with UH Manoa I signed up with their credit union primarily for the convenience of being on campus. However, now that I am not working for the University, I still find the shared branching locations very convenient. (see website for different locations (
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The loan rates here are outstanding! Customer service in house and over the phone excellent. When making an appointment to see a specialist they usually can do same day or work around your schedule.
The only draw back is no picture depositing. Just called one of the representatives and they said that this will however be up and running in the Fall of this year.

UHFCU is a horrible financial institution. Deposits made via money orders are held for days on end, payroll checks from other on island financial institutions are held for days on end, SHITTY customer service from a call center on the mainland and you can forget getting anyone in any branch on the telephone. Worthless «sister branches» that take three days to even turn in a deposit then once «turned in» you must wait an additional twelve years to get a release on YOUR funds. Just garbage. Documents have been filed to close my account because I cannot handle it anymore. Such a distressing situation to face when I am going on travel. STUDENTS OF UH BEWARE!!! DO NOT TRUST UHFCU WITH ANY OF YOUR PRECIOUS MONEY!

Just signed a real estate transaction with Pati. She was great to work with and very knowledgeable. Knowing what your selling is a big factor when deciding who and where to finance with. It promotes confidence in the buyer’s decision. On top of the business hours being convenient, she showed genuine care when offering the products available to me. She didn’t delay at all. As soon as the docs were ready, the deal was done.
If you’re interested in purchase or refi, see Pati! Great local service!

Being a proud University of Hawaii graduate, I wanted to continue my association to the UH in some way. At a recent HGEA (Hawaii Government Employees’ Association) function, one of the vendors was the UH FCU! I was so happy to see them that I opened an account right away and they gave me $ 5 to start!
Since then, I enjoyed the free checks, the free covered parking, the air conditioning, special attention (no lines/​no waiting/​friendly, helpful tellers), and the comfy chairs in the waiting area.
Recently, I wanted to enter the contest for free gifts. All I had to do was swipe my debit card to enter… but first, I had to register online. I am really old school or something, because I was not able to register. I went into the office and got help from Kimberly. She was so patient with me. I was so shame, but she reassured me that it’s not that difficult. Long story short, I didn’t win any prizes, but I learned to use my debit card — hahaha! So convenient! (That’s a dangerous thing, too!)
I want to thank the University of Hawaii Federal Credit Union for their awesome service — every time I went there, the tellers were so pleasant and efficient. The environment is so beautiful, especially with the seasonal decorations! I appreciate your hard work and efforts! Thanks also for the free pocket calendar for 2015!

This credit union will LIE. I have about a dozen credit unions, kept this around for no reason since I moved out of Mo’ili’ili. I got charged a fee for some transaction of $ 0.57 which was not my fault or intention which was reversed by the charger. UHFCU charged me a $ 25 fee. I called in to explain. The customer service manager Eleadon was beyond rude, using a loud voice, to the point i felt I was getting yelled at, and refusing to reverse my fee. He gave me this lecture of how UHFCU has the lowest fees of any credit unions. THIS IS ABSOLUTELY A NON-​TRUE STATEMENT. I looked at all the other credit unions I have and all have lower fees and all the other credit union’s customer relations department will reverse any fees for the sake of customer relations. I complained to a higher up about how rude I was treated. I told the higher up that the statement of «lowest fees of any credit unions» is not true and a lie and he said he’ll get back to me. I have been a long time member and never had any transactions that got fined a fee. This was the first time I got hit by a fee, and it wasn’t even my fault. Guess what? NO ONE EVER GOT BACK TO ME. If you are stupid enough to believe them that «they have the lowest fees of any credit union», you should find hard evidence to prove it. This guy is probably some uneducated guy working in a bank, making up false statements, and the UHFCU is milking UH students and faculty for fee money to provide them with a salary. Educated people back up words with evidence, we don’t make up statements «we have the lowest fees.» F. b.s. And real banks invest depositer’s money to generate revenue, not milk their own customers with fees. I would never join a credit union like this who lies to customers and robs us of our hard earned money run by uneducated people. Many other reviewers here also noticed the same thing. They truly deserve 0 stars.

The banking system on this island is nothing short of criminal. Everything you can think of comes with a monthly surcharge. It’s a shame that none of the national/​global bank brands (Bank of America, Citibank, HSBC, etc…) are in the state of Hawaii.
This credit union offers a small oasis in the desert that is the dirty hawaiin banking system. If you are a student or employee of the University of Hawaii you can access this credit union. They have reasonable account options with very few surcharges involved.
In addition to the decent banking options they offer, the staff has always been very responsive and helpful as well.
I would absolutely recommend this credit union to anyone who has access to using it.

This credit union rocks. Not only are their rates better and fees lower than at the banks, but their service is always superb.
I like coming to this particular branch because they have lots of covered parking, the branch is spacious and has a lot of natural light, and I rarely have to wait in line. I’ve opened accounts and obtained an auto loan here and the process has always been quick and easy. The employees are always knowledgable and they know their products.
Every now and then they have little craft fairs on the bottom floor, which make visiting the CU fun.
They are open on Saturdays until 1pm. Awesome!

This is not my favorite credit union on the island. Their interest rates are nothing special as far as credit unions go. They are currently offering 0.25% interest on savings. They used to have a super savings account that offered a better rate but it appears they no longer offer that account.
My trouble with this bank is the lack of locations. There are only 2 locations and they close fairly early. They do participate in shared banking, so you can do deposits or withdrawals at other participating credit unions. However, I had a hard time getting to this actual fcu when I needed to do account related things (ie update my address or close an account).
They seem a little fee hungry. They had sent me a ATM card and charged me because I had not updated my mailing address. As I mentioned, its not super easy to get to their branch during business hours. Also, if you do not use your account within 1 year they start charging you $ 1 a month. I had used my checking account within 1 year but since I hadn’t used my savings account they were charging me $ 1 per month.
Anyways, I recently closed my account to avoid any more fees. I will say the lady who helped me was very friendly.

I never thought I’d be giving 5 stars to a bank, but they definitely deserve it. I’ve been a member here for so long, I have a 4-​digit account number (*laugh* they actually started numerically, and are now up to 6 or 7 digit numbers, trust me when I say I feel a little superior about that!)
There tellers are incredibly nice, and even when I’ve had issues (I entered the wrong pin number – on a weekend!, got my card locked out, when in on a Monday – after they called me 3 times! – and got everything straightened out in about 5 minutes), they’ve always been patient.
You can actually talk to a live person on the phone, and they have Saturday hours! You can’t beat that for service. It’s the one account I’ve kept through college, moving to the mainland, moving back, and having accounts at other banks.

Sorry, UH Federal Credit Union you just did a BIG no, no today. You gladly accepted my money, but when I ask if I may use the restroom (which I had already been holding), you say no. Not good customer service. This is how you treat your customers?
I wish I had drove on by.

I love coming to my credit union, I’ve been here since I was a student at UH Manoa. They have now extended their hours, which made coming here so much easier for me.
Why do I love coming here? First of all, I’ve always had wonderful tellers! No eyes rolling, as I’ve gotten from other banks. Also they don’t try to sell me to upgrade this or sign up for that. Just handle my transactions and have a nice day!
Also as a credit union they provide services like traveler’s checks without fees. I don’t know if this is me being a delinquent customer, but never have to write a deposit/​withdraw slip. They just ask for my acct. # and ID, and give them my checks for deposit! It’s great. They are fast, and again just great service.

I’ve been coming to the credit union my entire life. Even while my mother was pregnant with me, I probably unknowingly came to the credit union several times a week (she still goes several times a week… I’m baffled, who goes to the bank that often… she is probs just talking story too!)
Since my mother is a frequent to the FCU and my grandpa was one of the first couple hundred members when they opened ages ago, the FCU has always held a special place in my heart. lol. more like: every time I try to cash a check or deposit money into my account, someone walking around or behind the counter will recognize me as «my mother’s daughter». It is really quite annoying. On top of that, I will get a call from my mother a couple hours later asking what I was doing at the credit union… –_​_​_​_​–
When I had my credit cards stolen, customer service was really helpful. The people who work here are generally very nice. I always thought the woman sitting RIGHT THERE as soon as you get to the top of the stairs was awkward, and I noticed there is sometimes a security guard (who also greeted me) sitting at the bottom of the stairs… They both greet you though. SO NICE (or awk) maybe they’re hoping it will stop robbers from stealing all the money. my money… hey, whatever works :)

After lunch I visited University of Hawaii Federal Credit Union as he needed a financial statement printed. I was enjoying the nice building and the extremely cold air conditioning, but I noticed the staff helping people where somewhat rude. Maybe I came at a bad time or the wrong day but I sat in the waiting area and three different customers where being assisted by different employees and all were not greeted with a hello, how can I help you or greeted with something other than their names called when they were ready to help the individual. They could at least smile and be fake about being happy right?
I’m sure their financial services are good, but I just thought it was weird for a bank or credit union to be so gloomy.