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A Local Credit Union That Cares

About Us

Wailuku Federal Credit Union, formerly Wailuku Community Federal Credit Union, was chartered in January 1955 with the help of Manuel S. Molina, a Wailuku businessman who felt that there was a need for a credit union in Wailuku. Before starting his own business, Mr. Molina was introduced to credit unions through his work at the pineapple company, which had its own credit union. After leaving the pineapple company and opening a business in Wailuku, Mr. Molina spoke with a director from Hawaiian Commercial & Sugar Federal Credit Union to learn how he could start a credit union in Wailuku. He then organized a committee made up of Wailuku businesspeople. The committee began meeting and filing the necessary documentation with the National Credit Union Administration. And in January 1955, Wailuku Community Federal Credit Union received its federal charter. There have been no major changes to the credit union since, except for dropping the word "Community" from our name.

The first office of Wailuku Federal Credit Union was housed in the "White Spot Café" on Main Street, owned and operated by Mr. Molina. He was also the Manager, Treasurer, and Secretary of Wailuku Federal Credit Union. Mr. Molina always said it was the "only place you could save money, pay your loan, and have a beer."

In 1970, Wailuku Federal Credit Union broke ground at 175 N. Market Street in Wailuku, right next door to Mr. Molina's bar. Then, to better serve our members, in 2014 we relocated to 133 Ma'a Street, Kahului, in the Maui Lani Village Center.

Our credit union continues to operate with the same core values that it was founded upon. These are:

  • Social Responsibility - Making the community a better place, through people helping people.
  • Honesty and Integrity - Doing what is right for the member and the credit union.
  • Relationships - Developing relationships through honesty and integrity, and exceeding expectations.
  • Service - Following the credit union saying: "Not for profit, not for charity, but for service".
  • Education - Educating our staff so we can better educate our members.


To make a positive difference in our community.

I recently applied for a mortgage loan at Wailuku Federal Credit Union. The employees there were very helpful and knowledgeable and answered all of my questions. Without their help I would not have been able to purchase my home. I highly recommend seeing them for your financing needs.
-Lance B.