Equal Housing Lender. The WFCU difference? People Helping People! At Wailuku Federal Credit Union, our mission is to make a difference in our community through our core values of social responsibility, honesty & integrity, relationships, service, and education. As a financial cooperative, our Members share ownership of their credit union, and have democratic control (one Member, one vote), electing from the membership a volunteer Board of Directors. All excess earnings are passed along to our Members. Because of this we offer competitive rates, expanded products & services, and lower fees. And, unlike big banks, our day-to-day decisions, as well as our strategic objectives, are based on what is best for our Members; our Members come first!