Available at Your Credit Union
 Founded on the basic democratic premise of the cooperative movement, Sheraton Hawaii Federal Credit Union believes that access to low-cost financial services is critical to the health and stability of its members. Credit union membership offers many benefits. Studies have revealed that, on average, credit unions provide the best financial offerings with fewer fees, lower rates on loans and higher rates on savings.
Savings
 The moment you join the Sheraton Hawaii Federal Credit Union and make your initial deposit into a Share Account, you have started your credit union savings program. A Share Account is required to be eligible for all the products and services of the credit union.
Share Draft (Checking) Accounts have no minimum balance requirement and no monthly service charge. If you sign up for direct deposit of your net paycheck to your Share Draft Account, you may receive up to 300 Sheraton Hawaii FCU custom drafts free of charge annually. Designer drafts are also available for a nominal charge. A VISA Debit Card may be issued to access your Share Draft Account.
The credit union also offers Christmas Savings Accounts to help you plan for the holidays.
Sheraton Hawaii FCU is federally insured by the National Credit Union Administration.
Loans
All members of the Sheraton Hawaii Federal Credit Union are eligible to apply for a loan, providing they are at least 18 years of age and have at least $100 in shares.
 Fully Secured Share Loan- When you use your shares at the credit union as collateral on a loan, your interest rate is lower and you continue to earn dividends on your shares.
Partially Secured Share Loan- With at least $100 of your shares used as collateral, you can borrow for any worthwhile purpose.
Auto Loans - Financing available on new and used cars. Apply for a pre-approval to help in your auto shopping.
Overdraft Line of Credit- A line of credit may be set up with your share draft account to provide overdraft protection. Required to obtain a debit card.
Federal Family Education Loans - Subsidized and Unsubsidized Stafford, Parent PLUS, and Grad PLUS loans are available to help fund your college education.
VISA Credit Card - Classic or Platinum cards available with no annual fee, no late payment fee, and no cash advance fee.
Mortgage Loans - We may, or find a lender who may, help you finance your home. (Property must be in the State of Hawaii.)
Services
Life Savings Insurance
Term life insurance purchased by the credit union for you. Upon your death, your beneficiary may receive up to $4,000, depending on your share balance and your age at the time of deposit.
Loan Protection Insurance
As an added bonus for borrowing at your credit union, insurable borrowers are covered up to $15,000 on eligible loans. Upon your death, your credit union loan is paid by the insurance.
Credit Disability Insurance
Optional insurance available at a very low cost to protect your credit union loan during temporary disabilities.
Payroll Deduction/Direct Deposit
Save and pay the convenient way.
CU by Phone
24/7 audio response system to access your account balances and perform simple transactions by phone.
Travelers Cheques
No sales fee for members.
Money Orders
Payable up to $1,000 to anyone you choose at a nominal charge.
Screensaver Tickets
Consolidated Theatres discount movie tickets available.
Financial Counseling Services
 Free access to money management and financial education services to members and their families via Accel Members Financial Management.
 Here's FREE, easy-to-use software to help you manage money more effectively. Click here to login.
Notary
Free notary service for members.
Members Financial Network
Connect with a full network of financial solutions that make managing, maintaining, and protecting your finances a snap: online trading ... research ... financial articles ... your personalized page for tracking news, stocks, and mutual funds ... quotes and information on insurance products ... and online calculators to help you set your financial goals. Here's where it's at!
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