Credit union · NCUA insured
Hawaii Central Federal Credit Union
A $311.3M credit union headquartered in Honolulu, HI, with 16,294 members and 2 branches in Hawaii. Best rates: CDs 4.25% and savings 0.15% APY.
Hawaii Central Federal Credit Union Carrot Score
82
Carrot Score
Higher than 57% of U.S. banks and credit unions
#15 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hawaii Central Federal Credit Union
Serving Hawaii since 1937 as a member-owned cooperative financial institution, Hawaii Central Federal Credit Union currently serves the community of Oahu.
The credit union operates its main branch and home loan center in Honolulu, Hawaii.
- Headquarters
- 681 S King St, Honolulu, HI 96813-3016
- NCUA charter
- 24839
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This may be incomplete or out of date, so check with the credit union before you apply.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 available to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Honolulu County (Island of Oahu), Hawaii.
Employers and groups
- Membership is open to employees of this credit union and organizations of such persons.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) and household members of credit union employees.
Cost to join
- Opening a Regular Share (Savings) Account officially establishes membership in Hawaii Central Federal Credit Union.
Branches
2 branches in Hawaii
Loading map…
Hawaii
2 branches
- Hawaii Central Federal Credit UnionMain office681 S King St, Honolulu, HI 96813Directions
- Harkness Branch1301 Punchbowl St, Honolulu, HI 96813Directions
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 | 10.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.81% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio10.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.81%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ 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 Hawaii Central 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.