Credit union · NCUA insured
Big Island Federal Credit Union
Top CarrotA $194.1M credit union headquartered in Hilo, HI, with 9,583 members and 3 branches in Hawaii. Best rates: CDs 4.33% and savings 0.25% APY.
Big Island Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#5 of 13 in Hilo, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Big Island Federal Credit Union
Formed in 1936 by a group of teachers as Big Island Teachers Federal Credit Union, the institution was the first chartered credit union in the State of Hawaii.
After name changes in 1973 and adopting an island-wide community charter before the century's end, it became Big Island Federal Credit Union in 2001.
- Headquarters
- 66 Lono St, Hilo, HI 96720-4144
- NCUA charter
- 1607
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live on the island of Hawaii.
- Membership is open to incorporated and unincorporated organizations located on the island of Hawaii.
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawaii.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the island of Hawaii.
Cost to join
- A one-time $1.00 membership fee is required to get started.
- A minimum $50.00 deposit is required to open a share account.
Branches
3 branches in Hawaii
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Hawaii
3 branches
- Hilo BranchMain office66 Lono St, Hilo, HI 96720Directions
- Kona Branch75-5737 Kuakini Hwy, Kailua Kona, HI 96740Directions
- Keaau Branch16-594 Kipimana St, Keaau, HI 96749Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.30% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.16% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $24 | $76 | — |
- CapitalNet worth ratio9.30%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.16%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$24Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Big Island Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.