Since our founding in 1936, we have remained committed to serving our members with integrity, respect, commitment, and a spirit of unity. From our early days as the Hawaiian Air Depot Employees Federal Credit Union to our transformation into Hickam Federal Credit Union in 1950 and now Lōkahi Federal Credit Union in 2025, our journey has been shaped by growth, adaptability, and an unwavering dedication to our members. Through times of challenge and progress, we have expanded our reach, embraced new technology, and continued to evolve while staying true to our core values. Explore our milestones below to see how we’ve built a legacy of financial strength and community connection for nearly 90 years.
Hickam Federal Credit Union was officially established on October 31, 1936, as Hawaiian Air Depot Employees (No. 1733) Federal Credit Union.
In January 1941, the credit union hired its first full-time employee, Mr. E. C. Corn, to handle clerical and collection work. On December 7, 1941, the credit union was directly impacted by the Pearl Harbor attack: Treasurer P. W. Eldred was tragically killed while attempting to reach the credit union, and a bomb hit the building, destroying most loan and share records. All records had to be reconstructed, and operations resumed on January 11, 1942.
The credit union changed its name to Hickam Federal Credit Union in June 1950.
The field of membership expanded to include all military personnel stationed at Hickam Air Force Base, increasing membership from 1,040 to 1,824.
Hickam FCU's assets exceeded $1,000,000 by October 1959.
The charter was amended to extend membership to retired U.S. Air Force personnel in Hawaii and retired civilian employees of Hickam AFB, as long as they were members before retirement.
Hickam FCU surpassed $10,000,000 in assets.
The new Main Branch opened on Hickam Air Force Base, serving 14,000 members.
The credit union introduced the Exchange ATM Card, allowing members to access their Share Account at over 80 locations statewide.
Assets exceeded $100,000,000, and the first of many in-house ATMs were installed.
Assets exceeded $200,000,000. The credit union launched the Teller Talk system, allowing members to conduct transactions 24/7 via touch-tone phones.
Hickam FCU expanded its ATMs to six locations, including Bellows Air Force Station, and celebrated its 60th anniversary.
In June, Hickam FCU opened the Pearlridge Branch. It also introduced Signature Guarantees and participated in the @Ease program with AFFN.
Hickam FCU became a community credit union, expanding membership to anyone who lived, worked, worshiped, or attended school in the Ewa District of Oahu.
Hickam FCU launched its website, www.hickamfcu.org, becoming one of the first credit unions online. It also opened the Mililani Branch and reached $250,000,000 in assets.
New products were introduced: Online Banking, Bill Payer, Money Market Accounts, and the VISA Debit Card.
The credit union opened its fourth branch at The Marketplace at Kapolei.
The Pearlridge office was relocated to a larger, more modern branch in the Pearlridge Center Uptown Mall.
Hickam FCU took its computer systems in-house.
The credit union celebrated its 70th anniversary and installed eight new surcharge-free ATMs.
Hickam FCU partnered with Aloha United Way to provide the Volunteer Income Tax Assistance (VITA) program.
Hickam FCU installed its second ATM on the windward side at Windward Mall and formed a partnership with First Hawaiian Bank for surcharge-free ATM access.
Hickam FCU joined the CO-OP Financial Services network, providing members access to over 3,500 participating credit unions and 25,000 ATMs nationwide.
The credit union introduced Visa® eStatements for Visa Credit Card holders and expanded its field of membership to include the City and County of Honolulu. Hickam FCU celebrated its 75th anniversary.
Mobile Banking was introduced for iPhone and Android, and all ATMs were upgraded to meet the ADA's accessibility standards.
Hickam FCU partnered with Banzai, offering a free online financial literacy program to middle and high school students on Oahu.
The fifth branch, an innovative kiosk branch at Kahala Mall, opened. The credit union also introduced Motorcycle Loans and converted card processing to Mastercard® with EMV chip technology.
The credit union celebrated its 80th anniversary and introduced ePix, allowing members to personalize their credit cards with images.
CardValet® was introduced for managing debit card usage, and the Mililani Branch relocated with modernized teller services.
The Pearl City Branch and corporate headquarters opened at 1260 Kuala Street. A Youth & Young Adult Savings Program was launched, along with Mobile Wallet and SecurLOCK® features.
Hickam FCU opened its seventh branch at Windward Mall in Kaneohe.
The credit union introduced the Hickam FCU College Scholarship Program and a Coinstar® coin-counting kiosk in the Pearl City Branch.
The credit union transitioned to a digital newsletter, revamped its card products with contactless technology, and launched the First-Time Borrower Program. It was ranked as Hawaii's #2 Best-In-State Credit Union by Forbes.
Hickam FCU was ranked as Hawaii's #1 Best-In-State Credit Union by Forbes
A 287-panel photovoltaic system, generating an average of 185-megawatt hours of electricity per year, was installed at our Pearl City Branch, helping to offset our carbon emissions and reducing our electricity expenses.
Hickam FCU was honored as one of Newsweek Magazine’s America’s Best Regional Banks and Credit Unions and will appear in its 2025 rankings.
Hickam Federal Credit Union officially changed its name to Lōkahi Federal Credit Union, kicking off a new era for the credit union and our members.
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