Credit union · NCUA insured
Hawaii FCU
A $105.4M credit union headquartered in Honolulu, HI, with 11,567 members and 1 branch in Hawaii. Best rates: CDs 4.10% and savings 0.15% APY.
Hawaii FCU Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#11 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 FCU
Chartered in 1937, Hawaii Federal Credit Union was established by eight employees as Honolulu Construction and Draying Employees Federal Credit Union.
The member-owned institution became HC & D Community Federal Credit Union in 1978 and adopted the name Hawaiʻi Federal Credit Union in 1984.
Certified as a Community Development Financial Institution, the credit union operates branches in Kalihi and Waipahu, serving communities across Oʻahu.
- Headquarters
- 1244 Kaumualii St, Honolulu, HI 96817
- NCUA charter
- 2403
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school on the island of O’ahu.
Employers and groups
- Membership is open to individuals who participate in associations headquartered on O’ahu.
- Membership is open to employees of Hawaii FCU.
- Membership is open to incorporated and unincorporated organizations located on, or maintaining a facility on O’ahu.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate families and households of eligible persons.
4 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership.
Other ways
- Membership is open to volunteers in the community.
- Membership is open to individuals who participate in programs to alleviate poverty or distress located on O’ahu.
- Membership is open to existing Hawaii FCU members of record on March 27, 2009.
Cost to join
- Members must open a Savings Account and maintain a minimum balance of $30.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Main OfficeMain office1244 Kaumualii St, Honolulu, HI 96817Directions
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 | 15.15% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.23% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.25% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio15.15%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.23%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ 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 FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.