Credit union · NCUA insured
CU Hawaii Federal Credit Union
Top CarrotA $453.2M credit union headquartered in Hilo, HI, with 29,596 members and 10 branches in Hawaii. Best rates: CDs 4.50% and savings 1.00% APY.
CU Hawaii Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#3 of 13 in Hilo, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CU Hawaii Federal Credit Union
CU Hawaii Federal Credit Union was organized and chartered in May 1955 as Big Island Businessmen's Federal Credit Union, later became JCC Federal Credit Union, and adopted its current name in June 2000.
The credit union operates 7 branch locations across the Island of Hawai`i.
- Headquarters
- 476 Hinano St, Hilo, HI 96720
- NCUA charter
- 24630
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This may be incomplete or out of date, so check with the credit union before you apply.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 living or working on the Island of Hawai`i.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawai`i.
- Membership is open to persons participating in programs to alleviate poverty or distress located on the Island of Hawai`i.
Employers and groups
- Membership is open to incorporated and unincorporated organizations on the Island of Hawai`i or those maintaining a facility located on the Island of Hawai`i.
Family and household
- Membership is open to any immediate family member (including spouse, parents, sisters, brothers, and children, whether living in the same household or not) of a CU Hawaii member.
Cost to join
- Joining requires an opening deposit of $50 into a savings account.
- Joining requires a $1 membership fee.
Branches
10 branches in Hawaii
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Hawaii
10 branches
- HiloMain office476 Hinano St, Hilo, HI 96720Directions
- Puainako50 E Puainako St, Hilo, HI 96720Directions
- Waiakea HS Student Branch155 W Kawili St Rm B202, Hilo, HI 96720Directions
- Kona75-5781 Kuakini Hwy, Kailua Kona, HI 96740Directions
- Kea'au HS Student Branch16-725 Keaau Pahoa Rd Rm H202, Keaau, HI 96749Directions
- Keaau16-710 Milo St, Keaau, HI 96749Directions
- Naalehu95-5664 Mamalahoa Hwy, Naalehu, HI 96772Directions
- Pahala96-3258 Maile St, Pahala, HI 96777Directions
- Pahoa15-2660 Pahoa Village Rd, Pahoa, HI 96778Directions
- Pahoa HS Student Branch15-3038 Pahoa Village Rd, Pahoa, HI 96778Directions
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 | 10.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.33% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio10.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.33%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ 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 CU Hawaii 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.