US Bank Directory
Banks in Waipahu, HI
5 FDIC-insured banks operate 7 offices in Waipahu, Hawaii, and 6 credit unions have 6 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Waipahu
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 11 banks and credit unions operate 13 locations in Waipahu, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 9 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Waipahu
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank of Hawaii and Bank of Hope have the most locations in Waipahu, with 2 each. 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Bank of Hawaii Bank · 2
Bank of Hawaii has 2 branches in Waipahu, 47 across Hawaii and 48 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1897. With $23.81 billion in total assets on June 30, 2026, it ranks No. 91 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waipahu location is the Waipahu Branch at 94-712 Farrington Hwy, dating to 1957; the newest, at 94-661 Kupuohi St, to 2006. All 2 of its Waipahu locations with published hours open on Saturday.
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Kunia Branch94-661 Kupuohi St, 96797
All hours
Mon to Fri 8 am to 4 pm; Sat 9 am to 1 pm; Sun not published
Hours: Bank of Hawaii branch locator (All The Places), checked Oct 10, 2026
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Waipahu Branch94-712 Farrington Hwy, 96797
All hours
Mon to Fri 8 am to 4 pm; Sat 9 am to 1 pm; Sun not published
Hours: Bank of Hawaii branch locator (All The Places), checked Oct 10, 2026
Bank of Hope Bank · 2
Bank of Hope has 2 branches in Waipahu, 29 across Hawaii and 78 nationwide. FDIC records list its main office in Los Angeles, CA and show it operating since 1986. With $18.99 billion in total assets on June 30, 2026, it ranks No. 110 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Waipahu location is the Waipahu Branch at 94-050 Farrington Hwy, dating to 1921; the newest, at 94-1221 Ka Uka Blvd, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Waipahu Branch94-050 Farrington Hwy, 96797
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Waipio Branch94-1221 Ka Uka Blvd, 96797
Aloha Pacific Credit Union Credit union · 1
Aloha Pacific Credit Union has 1 office in Waipahu, 11 across Hawaii. It is based in Honolulu, HI and $1.53 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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WaikeleWaikele Shopping Center 94-799 Lumiaina St Unit 2-A2, 96797
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
American Savings Bank Bank · 1
American Savings Bank has 1 branch in Waipahu, 35 across Hawaii and 35 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1987. With $9.05 billion in total assets on June 30, 2026, it ranks No. 180 of 4,232 U.S. banks by total assets. The Waipahu Branch at 94-060 Farrington Hwy dates to 1987 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Waipahu Branch94-060 Farrington Hwy, 96797
Central Pacific Bank Bank · 1
Central Pacific Bank has 1 branch in Waipahu, 27 across Hawaii and 27 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1954. With $7.50 billion in total assets on June 30, 2026, it ranks No. 210 of 4,232 U.S. banks by total assets. The Waipahu Branch at 94-210 Pupukahi St dates to 1978 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Waipahu Branch94-210 Pupukahi St, 96797
First Hawaiian Bank Bank · 1
First Hawaiian Bank has 1 branch in Waipahu, 45 across Hawaii and 45 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1858. With $23.65 billion in total assets on June 30, 2026, it ranks No. 92 of 4,232 U.S. banks by total assets. The Waipahu Banking Center at 94-205 Leoku St dates to 1957 in FDIC branch records. It opens on Saturday.
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Waipahu Banking Center94-205 Leoku St, 96797
All hours
Mon to Fri 8:30 am to 4 pm; Sat 9 am to 1 pm; Sun closed
Hours: First Hawaiian Bank branch locator (All The Places), checked Oct 10, 2026
Hawaii State Credit Union Credit union · 1
Hawaii State Credit Union has 1 office in Waipahu, 15 across Hawaii. It is based in Honolulu, HI and $2.88 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Waikele Branch At Safeway94-809 Lumiaina St, 96797
All hours
Mon to Fri 9 am to 6 pm; Sat 9 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
Hawaiian Financial Credit Union Credit union · 1
Hawaiian Financial Credit Union has 1 office in Waipahu, 10 across Hawaii. It is based in Honolulu, HI and $1.11 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Kunia94-595 Kupuohi St, 96797
All hours
Mon to Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun not published
Hours: NCUA, March 31, 2026
Hawaiiusa Credit Union Credit union · 1
Hawaiiusa Credit Union has 1 office in Waipahu, 15 across Hawaii. It is based in Honolulu, HI and $2.67 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Waipahu BranchWaipahu Town Center 94-030 Farrington Hwy Ste 101, 96797
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: NCUA, March 31, 2026
Matanuska Valley Credit Union Credit union · 1
Matanuska Valley Credit Union has 1 office in Waipahu, 1 across Hawaii. It is based in Palmer, AK and $985.0 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Kunia94-226 Leoku St Unit 4, 96797
All hours
Mon to Fri 9 am to 4 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Pearl Hawaii Credit Union Credit union · 1
Pearl Hawaii Credit Union has 1 office in Waipahu, 6 across Hawaii. It is based in Waipahu, HI and $544.0 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Main Office main office94-449 Ukee St, 96797
All hours
Mon to Fri 10 am to 6 pm; Sat 8 am to 3 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Waipahu
6 credit unions have 6 offices here: Hawaii State Credit Union, Hawaiiusa Credit Union, Aloha Pacific Credit Union, Hawaiian Financial Credit Union, Matanuska Valley Credit Union and Pearl Hawaii Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Waipahu page has every office in the state's directory.
Banking in Waipahu: the local picture
Short answer: 5 banks run 7 branches in Waipahu according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 5 banks, 0 have their main office in Waipahu, 4 elsewhere in Hawaii and 1 out of state, according to the FDIC.
The bank with the longest record here is First Hawaiian Bank, operating since 1858 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of Hope's office at 94-050 Farrington Hwy, dating to 1921; the newest is Bank of Hope's at 94-1221 Ka Uka Blvd, from 2006.
6 credit unions have 6 offices in Waipahu, according to the NCUA. Who can join each one is on the credit unions page.
Of the 9 locations with published hours. 8 open on Saturday. 4 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Waipahu
Short answer: 8 of the 9 Waipahu locations with published hours open on Saturday, run by 7 institutions.
- Bank of Hawaii: 2 of 2 branches (94-661 Kupuohi St: Saturday 9 am to 1 pm, and 1 more)
- First Hawaiian Bank: 1 of 1 branch (94-205 Leoku St: Saturday 9 am to 1 pm)
- Hawaii State Credit Union: 1 of 1 office (94-809 Lumiaina St: Saturday 9 am to 3 pm)
- Hawaiiusa Credit Union: 1 of 1 office (Waipahu Town Center 94-030 Farrington Hwy Ste 101: Saturday 9 am to 1 pm)
- Aloha Pacific Credit Union: 1 of 1 office (Waikele Shopping Center 94-799 Lumiaina St Unit 2-A2: Saturday 9 am to 2 pm)
- Hawaiian Financial Credit Union: 1 of 1 office (94-595 Kupuohi St: Saturday 9 am to 2 pm)
- Pearl Hawaii Credit Union: 1 of 1 office (94-449 Ukee St: Saturday 8 am to 3 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 4 of the 13 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Waipahu, and where the nearest one is if they do not.
Short answer: No branches in Waipahu: Chase, Wells Fargo, Bank of America, PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO.
| Bank | In Waipahu | Nearest branch if none here |
|---|---|---|
| Chase | None | none in Hawaii |
| Wells Fargo | None | none in Hawaii |
| Bank of America | None | none in Hawaii |
| PNC Bank | None | none in Hawaii |
| U.S. Bank | None | none in Hawaii |
| Truist | None | none in Hawaii |
| Fifth Third Bank | None | none in Hawaii |
| Huntington | None | none in Hawaii |
| Regions Bank | None | none in Hawaii |
| TD Bank | None | none in Hawaii |
| BMO | None | none in Hawaii |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Waipahu to the nearest branch in Hawaii.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Waipahu residents like anyone else.
Banks near Waipahu
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Pearl City (3 miles) and Ewa Beach (4 miles). Honolulu, 13 miles away, has the most banks nearby: 13.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Pearl City, HI | 3 mi | 7 | 7 |
| Banks in Ewa Beach, HI | 4 mi | 4 | 4 |
| Banks in Mililani, HI | 5 mi | 5 | 5 |
| Banks in Aiea, HI | 5 mi | 7 | 7 |
| Banks in Kapolei, HI | 6 mi | 5 | 5 |
| Banks in Wahiawa, HI | 8 mi | 4 | 4 |
| Banks in Waianae, HI | 11 mi | 3 | 3 |
| Banks in Honolulu, HI | 13 mi | 13 | 86 |
Bank branch openings and closings in Waipahu
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Waipahu between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Waipahu
Short answer: 1 institution has its main office in Waipahu: Pearl Hawaii Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| Pearl Hawaii Credit Union | Credit union | $544.0 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Waipahu by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Waipahu offices.
Short answer: Bank of Hawaii is the largest bank with offices in Waipahu, with $23.81 billion in total assets on June 30, 2026, No. 91 among U.S. banks by total assets. First Hawaiian Bank is second with $23.65 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of Hawaii | $23.81 billion | No. 91 | 2 | Honolulu, HI |
| First Hawaiian Bank | $23.65 billion | No. 92 | 1 | Honolulu, HI |
| Bank of Hope | $18.99 billion | No. 110 | 2 | Los Angeles, CA |
| American Savings Bank | $9.05 billion | No. 180 | 1 | Honolulu, HI |
| Central Pacific Bank | $7.50 billion | No. 210 | 1 | Honolulu, HI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Waipahu: FAQ
How many banks are in Waipahu, HI?
Waipahu has 5 banks with 7 branches and 6 credit unions with 6 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Waipahu?
Bank of Hawaii, with 2. Bank of Hope has 2 and First Hawaiian Bank has 1.
Is there a Bank of Hawaii in Waipahu, HI?
Yes. FDIC data lists 2 Bank of Hawaii branches in Waipahu as of September 5, 2026. Its branches are listed under Bank of Hawaii above, with the address and directions for each.
Is there a Bank of Hope in Waipahu, HI?
Yes. FDIC data lists 2 Bank of Hope branches in Waipahu as of September 5, 2026. Its branches are listed under Bank of Hope above, with the address and directions for each.
Is there a First Hawaiian Bank in Waipahu, HI?
Yes. FDIC data lists 1 First Hawaiian Bank branch in Waipahu as of September 5, 2026. The address and directions are under First Hawaiian Bank above.
Which banks in Waipahu are open on Saturday?
Bank of Hawaii, First Hawaiian Bank, Hawaii State Credit Union and Hawaiiusa Credit Union and 3 more publish Saturday hours for one or more Waipahu locations. The Saturday section above lists each one with its hours. 4 of the 13 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Waipahu?
Pearl Hawaii Credit Union has its main office in Waipahu, according to the FDIC and the NCUA.
What is the oldest bank in Waipahu?
First Hawaiian Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1858.
Which credit unions can I join in Waipahu?
Hawaii State Credit Union, Hawaiiusa Credit Union, Aloha Pacific Credit Union and Hawaiian Financial Credit Union and 2 more have offices in Waipahu. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Waipahu in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Waipahu?
Nearby cities with more banks include Pearl City, Ewa Beach, Mililani. Pearl City is 3 miles away with 7 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 6 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (3 of 7 branches: Bank of Hawaii, First Hawaiian Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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