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How do I change my address?

To change your address you may visit any of our branches or download, and mail this Member Account Update Form to:

Aloha Pacific Federal Credit Union
832 South Hotel Street
Honolulu, Hawaii 96813

Please have your signature notarized if you are mailing in the request for address change.

How do I add/remove a Beneficiary and/or Joint Owner on my account?

Please visit any of our branch locations for assistance or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for more information.

Do I have to close my account if I move out of state?

Once you join Aloha Pacific Federal Credit Union, you may remain a member for life, even if you move or change jobs. Search our Locations page for Shared Branches where you may process transactions.

Are my accounts federally insured?

A credit union (CU) is a nonprofit, cooperative financial institution owned and run by member-owners to provide a safe place to save and borrow money at reasonable rates.

Unlike a bank or other for-profit financial institution, a CU gives its profits back to its members in the form of higher account rates, lower loan rates, lower service fees and other valuable services. Like a bank, the Federal Government insures deposits for CUs. The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure members' accounts at CUs up to the federal limit.

Administered by the National Credit Union Administration, the NCUSIF is backed by the "full faith and credit" of the U.S. government. To join a CU, you must be eligible for membership as determined by the CU's charter. Most CUs are organized to serve people in a particular community, group or groups of employees or members of an organization or association.

Can my relative join the credit union?

To become a member, you must belong to one of the groups (or common bonds) listed here and maintain $5 in your savings account:

  • employees of the City and County of Honolulu, state of Hawaii
  • immediate family members of a City and County employee or existing credit union member
  • Aloha Pacific FCU employees
  • City and County employees who are retired or on leave of absence
  • Maui County employees
  • Residents of Kauai
  • members of their immediate families or household
  • SEGS (Select Employee Groups) as approved by the Board of Directors (more than 2,800 groups including Hawaii Government Employees Association, Waipahu Community Association, and many others)

Please visit Membership for additional information.

Can you add my address to a Verification of Deposit (VOD)?

Upon your request, we will include your address on the Account Verification form.

Can you include the Dividend Rate on a Verification of Deposit (VOD)?

Verification of Deposit (VOD) includes the member's name, account type and current balance. Dividend rates are subject to change.

What rates and terms do you offer on Certificates?

Aloha Pacific Federal Credit Union offers flexible term Certificate Accounts and competitive dividend rates to meet our members' needs. Our Certificate Account Rates are listed on the website, or you can visit any of our conveniently located branches for additional information.

If a member is under the age of 18, can he/she apply for a loan, VISA® credit card or overdraft protection?

Members must be at least 18 years of age to apply for credit at Aloha Pacific Federal Credit Union.

Do you have an audio response system?

Bank-by-Phone is a FREE service that offers members the ability to manage their credit union account(s) using a touch-tone telephone.

Please refer to Services for additional information.

Does the credit union offer free Bill Payment?

This state-of-the-art system makes paying bills fast and convenient. Using our Bill Payment Service, members can make unlimited payments per month for FREE.

You must have an Aloha Pacific Federal Credit Union checking account and have enrolled in Online Banking to utilize the Service.

VIsit Online Banking & Bill Payment for more details. Or visit any of our branch locations or call us for assistance.

How many accounts can I open?

Members may open up to 10 accounts with different account numbers and different ownerships. Each account must maintain $5 in the savings account.

How much cash can I withdraw from my account at a branch?

Generally you may withdraw up to your available balance. If you intend to withdraw a large amount, please contact us in advance so that we may plan accordingly to assist you.

I received a text message on my phone claiming to be from the credit union indicating my account is frozen and directing me to call a number to reactivate my account. Is this a legitimate message?

Please do not respond to this text message. Contact us by visiting any of our branch locations or call us at (808) 531-3711 or (877) 531-3711 toll free.

What type of identification is required for minors?

Minors between the ages of 0 - 4 must provide a Social Security card for identification. Minors between the ages of 5 - 17, must provide a government issued identification (i.e. state identification, driver's license, passport, military identification). Parents or legal guardians of the minor must provide the birth certificate and if applicable, guardianship documents for the child.

What do I do if my information is not updated at the credit bureau?

You may address your concerns with the credit reporting agency.

What is Aloha Pacific Federal Credit Union's routing number for direct deposits and bill payments?

For setting up a direct deposit or bill payment, use the routing number (also known as ABA number): 321379148

For incoming wire funds transfer, use the following information and routing numbers:

CREDIT TO:
Credit to: Catalyst Corporate FCU
Address: 6801 Parkwood Blvd Plano TX 75024
ABA Number: 311990511

FOR CREDIT TO:
Credit to: Aloha Pacific FCU
Address: 832 S. Hotel Street Honolulu Hawaii 96813
Account Number: 3213-7914-8

FINAL CREDIT TO:
Final Credit: Member’s Name
Account Number: Member’s Account Number
Account Type: Savings or Checking (member specifies type of account to credit)

How many fees can I be assessed?

For personal accounts, visit the Personal Fee Schedule on the Rates page of our Banking section.

For business accounts, visit the Business Fee Schedule area on the Rates page of our Business section.

Do you offer travelers cheques?

We no longer offer travelers cheques as our vendor, American Express, has discontinued the service in the United States.

What information do you need if my relative wants to join the credit union? Do I need to come in with him/her? What proof do you need that he/she is related to me?

Membership is open to immediate family members of our members. Family members should be prepared to provide the name of their relative and need not provide proof of relationship. As the member of our credit union, you are not required to accompany your relative to the credit union.

What is my member number?

For security reasons, confidential information such as member numbers are usually condensed on documents we generate. If you are positively identified and pass the Multi-Factor authentication process, your member number may be provided.

What is my PIN Number?

Your Personal Identification Number (PIN) is dependent on the type of service. Please visit any of our branches or call us at (808) 531-3711 or (877) 531-3711 toll free for assistance.

What is the turnaround time for Verification of Deposits (VODs)?

You may visit any of our branches and request a Verification of Deposit form. Our member service representatives will generally complete the Verification of Deposit form as you wait.

What type of identification is required when applying for membership with the credit union?

Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

As such, when you open an account, we will ask for this information:

  • Your name
  • Street address
  • Date of birth
  • Taxpayer Identification Number
  • A valid ID

Acceptable valid identifications are:

  • Driver's license
  • State identification
  • Military identification
  • Passport

Your identification must contain a photo and:

  • Name
  • Date of birth
  • Resident street address
  • Place of issuance
  • Identification number
  • Issue date
  • Expiration date
When are dividends paid to member's accounts?

Dividends are calculated on an average daily balance, compounded monthly and credited to member's account(s) at the end of each month.

Why do I get the Contact Center when I call the Main Office?

To better service members in the branch as well as members that are requesting assistance through the telephone, calls are routed through our Contact Center. In the event you need to speak with a specific employee, the Contact Center representative will forward your call to the appropriate person.

Why does my deposit not appear in my account?

Please contact us to provide us with additional information.

Why is my account balance and available balance different?

Your current balance is the amount of funds in your account, but the lesser available balance represents transactions that are pending.

How do I send a wire transfer to my credit union account?

Members must provide the following information to the person who is wiring funds into APFCU:

CREDIT TO:
Credit to: Catalyst Corporate FCU
Address: 6801 Parkwood Blvd Plano TX 75024
ABA Number: 311990511

FOR CREDIT TO:
Credit to: Aloha Pacific FCU
Address: 832 S. Hotel Street Honolulu Hawaii 96813
Account Number: 3213-7914-8

FINAL CREDIT TO:
Final Credit: Member’s Name
Account Number: Member’s Account Number
Account Type: Savings or Checking (member specifies type of account to credit)

How long does it take to credit a Wire Transfer to my account?

Wires received by 2:00 p.m. Hawaii Standard Time are processed on the same business day that they are received.

Can wire transfers be rushed?

The length of time that wire transfers take to be received and credited to your account will depend on the time difference and initiating financial institution. Please contact the financial institution where the wire transfer was initiated.

Will I receive a tax statement? (i.e. 1099-INT, 1098, etc.)

Did you receive more than $10 in dividends for your account(s) or paid $600 or more of interest on a Home Equity Line of Credit (HELOC)?

To check the YTD (Year To Date) Dividends you received or the total mortgage interest you paid, please refer to your December account statement.

If you enrolled for Online eStatements before December 15, a copy of your electronic tax statements will be available to print/download through Online Banking. Otherwise, a copy of your tax statement(s) will be delivered to you if you receive printed statements by mail.

ADDITIONAL NOTES

  • If you maintain multiple account numbers, you receive a 1099-INT for each account that earned more than $10 in dividends.
  • You will not receive a 1099-INT tax statement if the dividends you received on an account was $10 or less.
  • You will not receive a 1098 tax statement if you paid less than $600 of interest on a HELOC.
  • If you obtained a mortgage loan through APFCU, your mortgage is being serviced by CUSO of Hawaii Services. For more information and assistance, visit the CUSO of Hawaii Services website or call 808-539-0172 (U.S. toll free, 1-800-708-2876).
  • You can log into Online Banking by going to alohapacific.com and enter your login credentials in the Sign In box. Click on 'Online eStatements' to download and print your tax statement(s).
  • If you closed your Aloha Pacific account or paid off your HELOC before December 31, please refer to the last statement you received.
What types of savings bonds can the credit union cash?

Aloha Pacific Federal Credit Union does not negotiate savings bonds at this time.