Banking for the businesses that keep Kauaʻi running.
Checking, savings, and lending for local owners. No monthly service fees, no minimum balance on checking, and people who know what it takes to run a business on this island.
Monthly service fees
Minimum balance on checking
Free transactions every month*
Contactless business debit card
Checking and savings with zero monthly fees.
Keep your operating cash in checking and set money aside in savings. Both are built for the way local businesses actually run.
Small Business Checking
APY*
- No monthly service fees
- No minimum balance requirement
- First 200 transactions each month are free*
- Contactless Visa® Debit Card
- Bill pay and QuickBooks-compatible transaction downloads
Business Savings
APY*
- No monthly service fees
- $5 minimum balance and a one-time $1 membership fee
- A place to set aside money for taxes, payroll, or the slow season
Also available: our basic Money Market and Certificate accounts.
Less time on the books. More time on the business.
Simple tools that handle the back office so you can get back to your customers.
Bill Pay
Pay vendors and suppliers online, on your schedule.
QuickBooks-Ready Downloads
Download your transactions in a file format you can import straight into QuickBooks.
Contactless Visa® Debit
Tap to pay for supplies, fuel, and everything in between.
Notary Service
Get your business documents notarized at our Kapaa and Lihue branches. Appointments are required: email aloha@kauaicreditunion.org to set one up.
Financing for whatever comes next.
A new work truck, a piece of equipment, or a space of your own. We look at the whole picture and put together financing that fits.
Flexible Financing
Combine financing options, like a vehicle loan with a line of credit, to match how your business works.
Business Vehicle Loans
Financing for the trucks and vans that keep your business moving.
Real Estate Secured Loans
Use property to finance a bigger step, like a storefront or workspace.
More than a bank account.
Our Small Business Hub helps entrepreneurs and small business owners thrive, so Kauaʻi’s economy stays locally independent. We bring owners together at the Kauaʻi FCU Community Lab to learn, sell, and grow.
Hands-On Workshops
Practical sessions on business planning, marketing, and turning an idea into a model that works.
Local Makers' Markets
Makeke events where Kauaʻi small businesses and makers sell their products and meet new customers.
Partners and Connections
Sessions with partners such as the County of Kauaʻi Office of Economic Development and local business coaches.
Become a Lokahi Partner.
Lokahi Partners are local businesses whose employees qualify for Kauaʻi FCU membership. As an owner or manager, you can sign up to give your team access to credit union membership as a benefit of working with you. It’s one more way to take care of your people.
Questions? Email lokahi@kauaicreditunion.org
Rooted here since 1947.
We started in 1947 with the people who build, teach, protect, and care for this island. Today we bring that same commitment to the local businesses that keep Kauaʻi going.
Stop by Lihue, Kapaa, or Kilauea and talk story with us about what your business needs.
How to open a business account.
Check that your business is registered
Your business must be registered with the Hawaii Department of Commerce and Consumer Affairs (DCCA) Business Registration Division and in good standing at the time of opening.
Gather your documents
Every authorized signer needs a valid photo ID and Social Security Number. You’ll also need the documents for your type of business, listed below.
Open your membership and accounts
Membership requires a $1 membership fee and a minimum of $5 to open an account.
Ready to start? Email smallbiz@kauaicreditunion.org and our team will walk you through opening your accounts.
For checking, each authorized signer goes through a standard account screening. Only approved signers can be added to the checking account.
What to bring for your business
A valid photo ID and Social Security Number are required for all authorized signers. Then find your business type below for the documents you’ll need.
Sole Proprietorship
- Registration of Trade Name, if doing business under a trade name
- Social Security Number or Federal Tax ID Number
Partnership
- Partnership Agreement and any amendments
- Registration of Trade Name, if doing business under a trade name
- Federal Tax ID Number
Limited Liability Company (LLC)
- Articles of Organization and any amendments
- Operating Agreement and any amendments (required for LLCs with more than one member)
- Registration of Trade Name, if doing business under a trade name
- Social Security Number or Federal Tax ID Number
If any members or managers are a business entity or a formal trust: provide their documents (Articles of Incorporation or Organization, partnership agreements, bylaws, trust agreement, etc.) for all parties involved, including any amendments.
Corporation (Profit and Nonprofit)
- Articles of Incorporation and any amendments
- Bylaws and any amendments, or a Board Resolution to open the account
- Registration of Trade Name, if doing business under a trade name
- Federal Tax ID Number
Unincorporated Association or Organization
- Bylaws and any amendments, or a Board Resolution to open the account
- Registration of Trade Name, if doing business under a trade name
- Federal Tax ID Number
Registered Outside Hawaii
- Certificate of Good Standing from the state where the business is registered
- Registration of Foreign Entity with the Hawaii Department of Commerce and Consumer Affairs
Questions? Call or text (808) 245-2463 or email aloha@kauaicreditunion.org.
Let's talk about your business.
Visit any branch or reach out to our team. We’ll help you find the right accounts and financing for where you are today.
*Rates shown are Annual Percentage Yield (APY) as of and may change. The first 200 transactions per month are free; a per-item fee applies to each transaction after 200. Business membership requires registration with the Hawaii DCCA and good standing at the time of opening, a valid photo ID for all authorized signers, a $1 membership fee, and a minimum of $5 to open an account. Authorized signers are screened before being added to a checking account; only approved signers can be added.
All loans subject to credit approval. Rates and terms vary based on creditworthiness.
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Federally insured by the National Credit Union Administration. Equal Opportunity Lender.