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I recently moved to Kona and wanted a local credit union. I found Hawaii Community Federal Credit Union was relatively close to both my work and home. They have very friendly tellers who have remembered me by name and account number only after about a month. Their rates aren't quite as competitive as some of the other larger credit unions on Oahu but their convenience more than makes up for it. They have online banking which makes bill pay and transfers much easier to do as well. All in all a good credit union and a great atmosphere to have at least a savings account with.
I had Royal Hawaiian Insurance Co. for a while as the primary insurance on my condo. I recently redid my mortgage so I had to up my coverage. Since this was the case I decided to look around and search for a cheaper alternative to Royal Hawaiian Insurance. They actually told me that DTRIC has better rates because they have more customers. I checked with DTRIC and indeed for a $282,000 policy the rate was about 20% cheaper. In the few years I had Royal Hawaiian Insurance I didn't have a claim so I can't really say anything about their claims service (thankfully). I can't say that Royal Hawaiian was bad and at least they helped me move my insurance to a cheaper alternative.
I had State Farm Insurance when I first purchased my motorcycle. I wasn't sure who insured motorcycles at the time so I went with the company that I hear about from other motorcycle riders. They all said that if you don't have many tickets to your name then State Farm is usually the cheapest. I called my local State Farm agent and signed up so that my motorcycle had insurance. After doing some online searches I found a cheaper deal on insurance though my union. I only had State Farm for about a month and a half so I can't really say it was good or bad. 4 stars because I like to give them the benefit of the doubt.
Big Island FCU is a small credit union on the Big Island of Hawaii. I have had a savings account here since I could remember and always used to go there with my grandparents. The great thing about this credit union is that they are a very small credit union and they remember nearly all of their members by name. I used to have a car loan with them so every month I would have to go in to pay the loan; after a few months they remembered my name and account number so that I wouldn't have to pull out my ID. I know that may seem a little unsafe but when you see someone that often and you recognize them it isn't that big of a deal.
I had Island Insurance as my main home insurance company for a year after I had stopped my coverage with Allstate. Island Insurance had several local commercials on and they seemed like a very locally oriented insurance company so I decided to give them a chance. I contacted one of their agents who helped me set up enough coverage for my apartment. The prices were pretty competitive compared to Allstate so I stuck with them for over a year. I didn't have any incidences with my apartment so I really have no say about how their claims department is. All in all, a decent local company.
I recently obtained a personal loan from Hawaii USA FCU. I needed some money to do my Christmas shopping and found that they have the most competitive rates for personal unsecured loans. I have quite a few loans out already (mortgage, car loan) so I wasn't quite sure if they would be able to assist me with the loan. I did most of the paperwork online which saved me a great deal of time. They recently opened two locations in town so that makes it much more convenient to get to them and pay them on time. As with my other reviews I do love credit unions over big banks, they're just so much easier to work with and have much more competitive rates.
The local Farmers Insurance commercials are quirky and have some pretty poor CGI in them but they seemed like a cool local company. Farmers Insurance has a lot of commercials in local television and ads so I decided to try them out for my car insurance company. Their prices were in line with pretty much every other insurance agency but were probably a little on the higher side. I stayed with them for approximately a year and switched over. There were never really any issues and when I first signed up they actually called me to determine and get an actual read on what features were associated with the car, what coverage I was looking for, etc. Good company trying to save me money so I appreciated that.
I used Hickam FCU to purchase the apartment I'm currently in. They are one of the few credit unions that do an 80-10-10 mortgage loan (that is 80% financed with a conventional 1st mortgage, 10% down and 10% on a home equity line of credit). They were pretty easy to work with. They way I became a member was that I was a part of a church in the Ewa Plain. My only gripe is that I couldn't set up an automatic bill pay account with them at the time of opening a loan, so when I was on a vacation and got stranded by Hurricane Sandy, I needed a friend to send out my HELOC payment for me.
I have a Honolulu Federal Credit Union Checking account and it is much like other FCU accounts. They are relatively convenient being open on Saturdays. I am a member because my fiancée is a current member so I'm not sure what their member conditions are. Whenever I go there they are quite friendly and help me with all my banking needs. I haven't had a chance to get to use their loan service but I may transfer over my car loan to them if their rates are competitive. I know their checking share rates are pretty comparable to my main credit union (Hawaii State FCU) so I do keep a fair share of my money here as well. Overall, a good place to keep your checkings.
This is a rather small credit union with a membership which is open to people who work in the health care industry. They have two small branches, one off of King St. and another on the Queen's Medical Center Campus in the Harkness building, next to the cafeteria. The tellers are very accommodating and helpful because they are a small credit union and you get to know them all. They use First Hawaiian Bank ATMs and they are pretty prevalent (in all 7-11's) so that's a positive. Their rates are relatively competitive compared with the larger credit unions but don't expect the best rate out there
I recently had my mortgage redone by Aloha Pacific Credit Union. They helped me by getting me the best possible rate, without me having to shop around and deal with shady mortgage companies. It took a while for everything to come together but Vim Balantac was always on it trying to get me the most up to date information. As usual, signing the mortgages took quite a while but Vim went over each page with me so I knew what I was signing, unlike the first time I got a mortgage. After all was said and done, my old mortgage was a 5.25% 30 year mortgage, the new is at 3.99% and I received negative points, so I was paid a little bit on the side.
I only have a small account here and I only get to go to this credit union once in a great while but I like it here because it is such a small credit union. I believe to join this credit union you just need to live on the Big Island of Hawaii so that makes it pretty simple to join. CU Hawaii only has 2 branches if I'm not mistaken so it's not nearly as big as a lot of other credit unions that I'm with. Whenever I go there they still remember my name and my account number so that makes it very convenient. I have not used their loan products so I can't compare those but I do look at their rates from time to time and they do have some pretty competitive loan rates as well as share rates.
UHFCU is a great credit union. Open 6 days a week unlike a lot of credit unions. The tellers are very helpful and very knowledgeable. In Hawaii they probably have the best rates available for both savings as well as auto loans. I am a huge fan of credit unions and this one is probably my favorite. They also helped me with obtaining my mortgage as well as get a home equity line of credit as part of an 80-10-10 mortgage loan. Very helpful mortgage staff! I highly recommend them if you are a part of the university of Hawaii system.
I use the Hawaii State Federal Credit Union because I am an employee of the state of Hawaii. HSFCU is a great credit union because they are quite a large presence in Hawaii. When I need to come in to a branch there are quite a few all across the island; 2 in town, 1 in Mililani, 1 in Pearl Kai, 1 on the windward side. I can also use my debit card and take cash out at any Bank of Hawaii ATM, although they aren't quite as plentiful as they used to be because 7-11's now use First Hawaiian Bank ATMs. The HSFCU also has decent rates for savings, mortgages, and car loans so they are usually the first place I go to look to borrow money.
I had my auto insurance with GEICO for several years. During my time with GEICO I had a 2003 Mazda Protege. I had full coverage on the vehicle (I probably should've pared that down to basic) during the entire stay with GEICO. I had only one incident which was a car break-in. The thief stole my car's stereo and a few coins. At that point I had a $500 deductible and the stereo wasn't nearly that expensive so I decided not to pursue GEICO for the insurance money. During the investigation they were very courteous and helpful to tell me what my options were. I found out that I was able to switch insurance companies and would be able to get direct deductions from my paycheck so I switched my insurance company.
I had Progressive insurance (full coverage, comprehensive, and collision) for my 2004 CBR600RR. Signing up was extremely easy with their online application. In 2007 my motorcycle was stolen and I was able to get my insurance money relatively quickly. The claim took about 2 weeks from beginning to end so that was good. An adjuster came to visit me and help me through the process. Progressive was a good company to work with through the ordeal because they came through quickly. I ultimately moved insurance companies but I would not have any issues with going back to Progressive for my motorcycle insurance again.
I've had Chase as a bank for a while but I decided to go with one of their rewards credit cards because I didn't have a Visa rewards card (I have the Costco AMEX and the Discover More card). They were a decently good bank, not too much praise but a bank none-the-less with normal banking issues and catches. The card I signed up for was the Chase Sapphire Preferred card. After spending $3000 in 3 months (I think) I received 40,000 points to use how I saw fit. That was nice, but after a year I was hit with a $95 annual fee. I noticed that the annual fee was only for the preferred card so I switched over to the Chase Sapphire and haven't looked back. Good card with decent rewards and more accepted than AMEX or Discover.
I had a loan with Wells Fargo through a local furniture store called Homeworld. The paperwork was pretty straight forward, they pulled my credit to make sure that I could pay and gave me a $3300 limit to spend in the store. I only purchased about $1800 worth of furniture though. The load was a revolving loan so that I could go back into the store and purchase more items if I needed to but luckily I didn't. I got this loan so that I could receive the 0% interest for 12 months. After that the interest would jump up to around 15% I believe. In any case I had no real problems with Wells Fargo Loan Dept.
Territorial Savings Bank is a smaller bank in Hawaii. There are a few locations sprinkled around Honolulu and they are relatively close to areas which I frequent so I opened a savings account with them. They have the standard application process with your social security number etc. Their minimum balance isn't very different from other banks. What separates Territorial from other larger Hawaii banks is the quality of service. They do treat the customers very well and are almost always upbeat. They have free coffee if you're waiting in line and they tend to all your needs. Their tellers are knowledgeable about the services they offer so that is always a plus. The only bummer is that they have very low interest rates for savings accounts so if you're a rate watcher you may want to skip them.
I have a Bank of the Orient account because I used to work in the downtown/Chinatown district. The had quite a few branches in the area so it was easy for me to get to their branches. What they lacked in hours they more than made up for in customer service and catering to my needs. All of their tellers were very courteous and gave me all the information I needed. They didn't have a lot of presence as far as ATMs but it was okay since I rarely needed to bank outside of banking hours. Now that I no longer work in the downtown area I still have the account but it is at a minimum but the teller still remember me by name whenever I do need to come in to do some transactions.
I have a Bank of America savings account because before I decided on a college to attend I wanted to have access to a large bank with ATMs and branches across the nation. Bank of America was a big enough bank to fill that role. Unfortunately I did not need the country wide access to Bank of America because I ultimately stayed home for college. In any case Bank of America has good tellers that provide enough information to their customers. Their policies are much like any other bank so it's very much the same. The only problem is that here in Hawaii they aren't as many branches as the local banks (BOH, CPB, ASB, etc.). When I do travel to the mainland I do use their branches as needed though so that is a plus.
I have a Hawaii National Bank savings account and it was much like any other bank account. To me nothing really stands out about Hawaii National Bank. I can only really think of negatives like few ATMs, few actual branches and limited banking hours. Much like other banks their interest rates are very very low but that's not really a fault of theirs. Being that they are a much smaller bank than other banks in Hawaii it is easier to get to know the bank tellers because there are a lot fewer branches to go to. I'm familiar with the Kapalama Branch and they are quite friendly there. I had a slight issue with their application process because for some reason they needed a copy of my social security card. I want to like this bank because it's a very small bank and I do root for underdogs but convenience is key.
I've only had a First Hawaiian Bank account for about 6 years (ever since I moved away from home). There are a few issues that I have with First Hawaiian, most of their locations aren't open as long as other banks that I have reviewed. They don't have in-store branches which does limit the availability of First Hawaiian. I believe their hours are around regular work hours too (9-6 maybe?). They do have one very redeeming quality though. Their ATMs are at all the 7-11's throughout Hawaii. This is huge, especially since I live near a few of them so depending on which direction I'm going I can withdraw what I need for the day. Their staff is pretty friendly and knowledgeable regarding their products and I can't say that I have had any real issues with the savings account that I have there. Their rates are rather noncompetitive but what do you expect coming from prime rates that are at 0%.
I had a Bank of Hawaii Free Checking Account since I've been about 10 years old. My father used to work at Bank of Hawaii so he was the one who actually set up the checking account. I'm a big fan of Bank of Hawaii because of their locations. I work right across the street of a Bank of Hawaii Branch and my credit union uses their ATMs as well so it's a bit more convenient. I've also had personal loans with Bank of Hawaii and their staff was very courteous and helped me when I was purchasing a motorcycle. Their tellers are very knowledgeable and have helped me when I needed to cash a few US savings bonds. I'm giving them 5 stars because they are just about as convenient as American Savings Bank but closer in proximity to my work.
I've had an account with American Savings Bank ever since I can remember. They are especially convenient since nearly all of their branches are open 7 days a week. Currently I'm trying to work with them to update my home equity line of credit (HELOC) to take advantage of one of their specials. I believe it's 0.99% APR for one year. Whenever I go into any American Savings Bank I'm greeted by one of their many professional staff and am usually in and out rather quickly, unlike some local banks. The waits are usually under 5 minutes and the transactions are usually very smooth with the staff being able to assist me in what I usually need. Their rates are usually pretty comparable to other local banks but the convenience is what gets me in their door.
A couple of my friends used to work at their mortgage section of CPB so I received my loan through them. They were very courteous and helped me all the way through the home buying process. Dates for schedules were worked around my calendar and the employees were very helpful. I don't have any other types of accounts with CPB but that is because I do all my other financial transactions at credit unions. I had no problems with CPB during my loan applications and they spelled out the legal jargon so that the layman could understand it. I would like to try and take advantage of the lower rates right now and re-finance my mortgage. I hope they will be just as helpful this time as last.