Credit union · NCUA insured
Hamakua Federal Credit Union
A $21.9M credit union headquartered in Pepeekeo, HI, with 1,784 members and 1 branch in Hawaii. Best rates: CDs 0.25% and savings 0.10% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—0.25%CD rates →
- Savings640.10%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hamakua Federal Credit Union
Pepeʻekeo Federal Credit Union was chartered in the Territory of Hawaii in 1937, later merging with Hakalau Federal Credit Union in 1969 and Papāʻaloa Federal Credit Union in 1992.
The credit union changed its name to Hāmākua Coast Community FCU in 1994 and to Hāmākua Federal Credit Union in 2018, operating from Pepeʻekeo, Hawaii.
In 2015, the credit union expanded its field of membership to include the entirety of Hawaiʻi Island.
- Headquarters
- 28-490 Kaakepa Street, Pepeekeo, HI 96783
- NCUA charter
- 2280
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This may be incomplete or out of date, so check with the credit union before you apply.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
- People who live, work, worship, or attend school on Hawaiʻi Island are eligible for membership.
Family and household
- Immediate family members of individuals eligible through the geographic field of membership are eligible for membership.
- Spouses of persons who died while in the field of membership are eligible for membership.
Cost to join
- Establishing membership requires payment of a $1.00 membership fee.
- Establishing membership requires a deposit of $10.00 or more into a Regular Share account.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Main OfficeMain office28-490 Kaakepa Street, Pepeekeo, HI 96783Directions
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 | 14.53% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.50% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio14.53%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.50%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Hamakua 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.