Credit union · NCUA insured
Hawaii County Employees FCU
Top CarrotA $145.4M credit union headquartered in Hilo, HI, with 5,930 members and 1 branch in Hawaii. Best rates: CDs 3.70% and savings 2.00% APY.
Hawaii County Employees FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#2 of 13 in Hilo, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hawaii County Employees FCU
Hawaii County Employees Federal Credit Union is headquartered in Hilo, Hawaii.
- Headquarters
- 131 Puuhonu Way, Hilo, HI 96720
- NCUA charter
- 1784
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Hawaii Government Employees Association or the United Public Workers Association who work in Hilo, Hawaii are eligible for membership.
Military, government and schools
- Persons employed under the Comprehensive Employment and Training Act who work for the County of Hawaii on the island of Hawaii are eligible for membership.
- Registered volunteers of the County of Hawaii who work at County of Hawaii facilities on the island of Hawaii under the supervision of County of Hawaii employees are eligible for membership.
- Hawaii County employees working on the island of Hawaii are eligible for membership.
Family and household
- Family members of eligible employees, CETA workers, and registered volunteers are eligible for membership.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Main OfficeMain office131 Puuhonu Way, Hilo, HI 96720Directions
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 | 15.17% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.21% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.39% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $37 | $76 | — |
- CapitalNet worth ratio15.17%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.21%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.39%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$37Peers’ 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 County Employees FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.