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With over 130 branches and ATMs across the Hawaiian islands, locating a bank in Hawaii is typically an easy task. However, if you’re moving to or visiting the Aloha State, you may be wondering exactly what banks have a presence there.

To quickly answer the question, the largest banks in Hawaii include First Hawaiian Bank, Bank of Hawaii, American Savings Bank, Central Pacific Bank, Finance Factors, and Territorial Savings Bank.

In this comprehensive guide, we will provide an in-depth look at the banking options available throughout Hawaii. We’ll cover the major banks, credit unions, and financial institutions that serve the state, along with key details like number of branches, services offered, and more.

The Leading Banks in Hawaii

First Hawaiian Bank

Established in 1858, First Hawaiian Bank is the largest and oldest bank in Hawaii. Headquartered in Honolulu, it provides a wide range of banking and financial services to consumers, businesses, and governments.

As of December 2022, First Hawaiian Bank has total assets of $23.7 billion, deposits of $20.4 billion, and 62 branches across Hawaii, Guam and Saipan.

Bank of Hawaii

Founded in 1897, Bank of Hawaii is currently the second largest financial institution in Hawaii. This bank offers various banking and financial services to customers across Hawaii and the Pacific Islands.

According to the latest data, Bank of Hawaii manages $23.1 billion in assets, $20 billion in deposits and has 61 branches.

American Savings Bank

American Savings Bank is Hawaii’s third largest bank with total assets of $8.9 billion as of September 2022. Headquartered in Honolulu, it provides banking and lending services to consumers and businesses across Oahu, Maui, Kauai and Hawaii Island through its network of 32 branches.

Central Pacific Bank

Established in 1954 and headquartered in Honolulu, Central Pacific Bank serves customers across Hawaii through 30 branches on Oahu, Maui, Kauai and Hawaii Island. It offers various banking products to individuals and businesses.

As of December 2022, Central Pacific Bank has $7.7 billion in total assets.

Other Notable Hawaiian Banks and Credit Unions

Finance Factors

In addition to the major banks in Hawaii, there are also many smaller banks and credit unions that serve local communities across the islands. These local financial institutions play an important role in supporting Hawaii’s economy.

Some key factors that distinguish smaller Hawaiian banks and credit unions include:

  • Strong focus on personal customer service – Smaller institutions pride themselves on providing customized banking solutions and getting to know their customers on a first name basis.
  • Commitment to giving back – Many credit unions and community banks are actively involved in community development initiatives, financial literacy programs, and local philanthropic efforts.
  • Tailored products and services – Smaller institutions can often create specialized loan programs, accounts, and other offerings designed specifically for their target markets.

Territorial Savings Bank

Founded in 1921, Territorial Savings Bank is one of Hawaii’s longest-standing financial institutions. This local bank provides products like checking and savings accounts, mortgages, home equity lines of credit, and more to both consumers and businesses across Oahu, Maui, and Hawaii Island.

As of 2022, Territorial had over $2.3 billion in assets, serving tens of thousands of local customers. The bank is known for its commitment to community reinvestment and support for various educational and cultural programs across the islands.

Hawaii State Federal Credit Union

Operating for over 80 years, Hawaii State Federal Credit Union (Hawaii State FCU) is the state’s largest credit union with over 230,000 members statewide. This not-for-profit financial cooperative provides services like free checking accounts, vehicle loans, credit cards, and financial planning assistance.

In 2022, Hawaii State FCU reported total assets exceeding $3 billion. The organization is dedicated to “people helping people” through assistance programs for those facing financial hardships, promoting financial literacy, and more.

Hawaii USA Federal Credit Union

Hawaii USA Federal Credit Union traces its roots back to the Pearl Harbor Federal Credit Union founded in 1936. Today, Hawaii USA FCU serves over 140,000 members across Oahu and Maui with total assets over $2 billion as of 2022.

In addition to great rates on deposits and loans, the credit union provides unique services like skip-a-payment options, rate discounts, and vacation loans to help members enjoy life in paradise. Hawaii USA FCU is known for its exceptional culture focused on the concept of ohana (family) among employees and member-owners.

Banking Options on the Different Islands


As the most populous island in Hawaii, Oahu offers extensive banking options. Major national banks like Bank of America, Chase, and Wells Fargo have multiple branch locations scattered across the island.

Many credit unions also have a strong presence on Oahu, such as Hawaii State Federal Credit Union and HawaiiUSA Federal Credit Union. There are over 100 bank and credit union branches on Oahu alone.

In addition to traditional brick-and-mortar banks and credit unions, Oahu residents can take advantage of online/mobile banking and ATMs all over the island. Most major resort areas like Waikiki have ATMs available.

Overall, banking convenience and accessibility is generally not an issue for those living on or visiting Oahu.


Similar to Oahu, major national banks and Hawaii-based credit unions have locations in popular areas of Maui like Kahului, Kihei, and Lahaina. Bank of Hawaii, American Savings Bank, and Central Pacific Bank are among the larger banks with multiple branches throughout the Valley Isle.

There are also many credit union options on Maui such as Maui County Federal Credit Union and Maui Teachers Federal Credit Union that cater to specific groups like teachers or county employees. While banking access is solid overall, options are more limited outside of the main town centers.

Using online/mobile banking helps bridge any gaps in availability.


Bank of Hawaii dominates the banking landscape on Kauai, operating over half of all bank branches on the island. There are a handful of other bank branches available in Lihue and other towns including American Savings Bank, First Hawaiian Bank, and Central Pacific Bank.

Area credit unions like Kauai Government Employees Federal Credit Union and Kauai Teachers Federal Credit Union round out the options.

Although banking services exist across the island, accessibility is lowest on Kauai compared to the other islands. This makes utilizing online/mobile banking a crucial consideration for reliable access to banking services when needed. There are also fewer ATM machines on Kauai outside of main towns.

Hawaii (Big Island)

Spanning over 4,000 square miles, the island of Hawaii has more localized banking infrastructure in Hilo and Kailua-Kona as opposed to island-wide coverage. Major banks on Hawaii Island include Bank of Hawaii, First Hawaiian Bank, Hawaii National Bank, and Hawaii State Federal Credit Union.

Credit unions like Big Island Federal Credit Union also operate branches in both east and west Hawaii. Online and mobile banking helps connect the large island’s small dispersed towns to essential banking services.

But overall, banking options are much more limited compared to the other main islands except perhaps Kauai.


In summary, Hawaii residents and visitors have numerous banking options provided by leading financial institutions like First Hawaiian Bank and Bank of Hawaii, as well as smaller banks and credit unions.

On Oahu, the most populous island, banking access is widespread, while on smaller islands, localized banks and credit unions cater to residents and tourists.

We hope this outline has provided a helpful overview of the banking landscape in Hawaii. Let us know if you need any additional details as you write your article.

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