Credit union · NCUA insured
Hawaii Community Federal Credit Union
Top CarrotA $805M credit union headquartered in Kailua Kona, HI, with 45,859 members and 9 branches in Hawaii. Best rates: CDs 4.00% and savings 1.16% APY.
Hawaii Community Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#1 of 13 in Hilo, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hawaii Community Federal Credit Union
- Headquarters
- 73-5611 Olowalu St, Kailua Kona, HI 96740-2689
- NCUA charter
- 1719
Branches
9 branches in Hawaii
Loading map…
Hawaii
9 branches
- Hilo Branch111 Aupuni St, Hilo, HI 96720Directions
- Honoka'a Branch45-690 Pakalana St Ste A, Honokaa, HI 96727Directions
- Kailua Branch75-159 Hualalai Rd, Kailua Kona, HI 96740Directions
- Kaloko Branch73-5611 Olowalu St, Kailua Kona, HI 96740Directions
- Kealakehe Student Credit Union74-5000 Puohulihuli St Rm 303, Kailua Kona, HI 96740Directions
- Kohala Branch54-396 Union Mill Rd, Kapaau, HI 96755Directions
- Kohala Student Credit Union54-396 Union Mill Rd, Kapaau, HI 96755Directions
- Kealakekua Branch81-6631 Mamalahoa Hwy, Kealakekua, HI 96750Directions
- Konawaena Student Credit Union81-1043 Konawaena School Rd Rm E19, Kealakekua, HI 96750Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.65% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio9.65%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ 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 Community 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.