Coronavirus Updates

Latest Updates

We understand many of our members may be facing hardships during this unprecedented time. Beginning April 1, we are offering the following relief programs to help you:

• Your Accounts
  • The Aloha Rewards Checking 12 debit transactions and direct deposit/bill payment requirements are waived
  • ATM surcharge fees will be reimbursed and non-APFCU ATM withdrawal fees will be waived
  • Overdraft Protection transfer fees will be waived
  • Overdraft Privilege and NSF fees will be reduced
  • Early withdrawal fees are waived for certificates and withdrawals are allowed for Holiday Savings accounts
  • Learn more about these account changes here
• Existing and New Personal Loans
  • Temporarily cease foreclosures and repossessions
  • Waiver of late payment fees for existing loans will be offered
  • Certain loans may be extended up to 90 days
  • [New] Relief Loan up to $1,000 for affected members, interest-free
  • Get additional details about our loan programs here

We've reduced branch hours and temporarily closed a few for the safety of both members and staff, and in response to stay-at-home directives.

• Effective April 2, our Fort Street Branch and night depository will be temporarily closed
• In addition, Senior Hour will be observed Mondays through Thursdays:
  • 7:30-8:30am at Main and Fort Street
  • 9-10am at Kahului, Kailua, Kaimuki, Kapolei, Waikele, Waimalu, Henderson and Kekaha

 
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Be Proactive

Here are suggested precautions you can take to avoid catching or spreading any infectious disease:

• Avoid close contact with people who are sick
• Avoid touching your eyes, nose and mouth with unclean hands
• Wash your hands often, with soap and water, for at least 20 seconds; or use sanitizer with at least 60 percent alcohol if soap and water are not available
• Cover your mouth with tissue when coughing or sneezing and throw the tissue into the trash
• Stay at home if you’re sick

Stay informed. For updates and detailed information about COVID-19, go to the Centers for Disease Control and Prevention, the Hawaii Department of Health’s website and the Nevada Department of Health and Human Services website. 

In addition to regular daily cleaning at our branches, common spaces like desks and counters, and equipment such as deposit tubes will be cleaned and disinfected throughout the day.

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Access your Account

Many basic transactions - account fund transfers, checking your account balance, check deposits and paying bills - can be done from the comfort of your own home through online banking or anywhere using your smartphone and APFCU's free app:

• Manage your account or pay bills online with Online Banking
• You can bank or pay bills anywhere with APFCU’s Mobile App
• Banking by Phone (KalaTalk): (808) 847-5522 or toll-free, 1-877-847-5522
• Our Call Center: (808) 531-3711 or toll-free, 1-877-531-3711
  
  
• ATMs
  • FREE unlimited APFCU ATM access
  • FREE access to non-APFCU ATMs
  • Non-APFCU withdrawal fees are waived through May 31, 2020
  • SURCHARGE-FREE ATM withdrawals at First Hawaiian Bank, American Savings Bank, Hawaii National Bank, and CO‑OP network credit unions.
  ATM surcharge fees for the month will be reimbursed at the end of each month through May 31, 2020. To be included, transactions must be completed by 8pm on the last day of the month. (Surcharge fees are fees imposed by the ATM owner at the time of withdrawal.)
• Checking Accounts
  • Overdraft Protection: $2 Insufficient Funds (NSF) transfer fee from savings is waived
  • NSF/Overdraft Privilege fee will be reduced from $25 to $12 for each applicable insufficient funds transaction
  • The Aloha Rewards Checking 12 debit transactions and direct/deposit requirements are waived for the months of April and May
• Certificates and Holiday Savings
  • Early withdrawal fees are waived for certificates
  • Withdrawals are allowed for Holiday Savings accounts

Temporary Branch Hours

For the safety of members and staff, branch hours have been reduced in response to stay-at-home directives to minimize the spread of the coronavirus.

Fort Street branch and night depository: Will temporarily close beginning Thursday, April 2
Shared Branching: Shared branching services have been discontinued for non-members until further notice. APFCU members can still continue to make shared branching transactions.

Main and Fort Street

7:30am - 2pm Mon-Fri

Kailua, Kaimuki, Kapolei, Waikele and Waimalu

9am - 2pm Mon-Thur noon - 5pm Fri 9am - 2pm Sat

Kahului, Maui

9am - 2pm Mon-Thur noon - 5pm Fri 9am - 1pm Sat

Kekaha CU (Kauai)

9am - 2pm Mon-Thur noon - 5pm Fri

Henderson, Las Vegas

9am - 2pm Mon-Thur noon - 5pm Fri 9:30am - 2pm Sat

In addition, Senior Hour will be observed Mondays through Thursdays: 7:30-8:30am at Main and Fort Street 9-10am at Kahului, Kailua, Kaimuki, Kapolei, Waikele, Waimalu, Henderson and Kekaha

Hawaii National Guard CU branches: Temporarily closed
OTSECU: Temporarily closed

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Your Finances

Your funds are federally insured by the National Credit Union Association. During these unprecedented times, we understand our valued members may experience some financial hardships. Below are some ways we are working to help you through these next few months:

Changes to Existing Loans

• We'll be temporarily ceasing foreclosures and repossessions
• Waiver of late payment fees for existing loans will be offered starting April 1^st
• You can request for a loan payment deferral up to a 90-days on certain existing loan(s). Your payments may be deferred and you will not be assessed a late fee during the extension.
• For payment relief options for your home mortgage, please contact CUSO Services of Hawaii, LLC:
  Phone: (808) 539-0172 or toll-free at 1-800-708-2876

Relief Loan

$1,000 twelve-month interest-free loan with no payments for 90 days available beginning April 1 for affected members

• Apply Online
• The Relief Loan is a 12-month loan up to $1,000 for qualified members, and features 0% interest rate and no payments for the first 90 days. Example: monthly payments for the 9-month repayment period on a $1,000 loan is approximately $111.12. Qualified members are members in good standing as of March 1, 2020 and must be able to demonstrate direct financial impact due to COVID-19. Limit one Relief Loan per member. Other restrictions may apply.

Don’t panic.

That’s one of the recommendations most financial experts offer whenever the stock market goes down instead of up. The stock market is very nervous about the coronavirus and in the past has been jittery about many other health issues – and recovered as the crisis passed. This crisis, too, will pass. China, the original epicenter of the coronavirus, is already seeing a health recovery.

Prepare for the next downturn. The only sure thing about the stock market is that there WILL be ups and downs. Consider these tried-and-true long-term options:

• Do you have an emergency fund – generally four to six months of living expenses?
• Are your investments diversified so that you can weather a financial storm?
• Will you create a budget so that you know exactly where your money is going – your income, expenses – taking into account your financial goals? You might consider cutting back on unnecessary expenses in order to save more money.

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