Chartered in 1937 when fifteen Hawaiian Electric employees pooled $70, HECO Employees FCU has grown into a close-knit Honolulu cooperative with about 1,900 members and $34 million in assets. Its Hawaiian motto, "Malama Kekahi I Kekahi Me He 'Ohana," reflects its family-style approach to share accounts, retirement CDs, loans, and Visa cards.

From a modest $70 pool among fifteen Hawaiian Electric coworkers in 1937 to a trusted island-wide cooperative today, HECO Employees FCU still treats every member like 'ohana. Members enjoy share draft accounts, retirement certificates, vehicle loans as low as 2.70% APR, and home equity lines with no appraisal cost. Bank the island way and make it pay: use your HECO FCU debit card for groceries and gas around Oahu, or route purchases and reloads through Fluz, and you'll start collecting cashback rewards layered right on top of the credit union's already member-friendly rates and genuine, family-style service.