Credit union · NCUA insured
Hawaiian Electric Employees FCU
A $36M credit union headquartered in Honolulu, HI, with 1,838 members and 1 branch in Hawaii. Best rates: CDs 3.75% and savings 0.10% APY.
Hawaiian Electric Employees FCU Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#10 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Hawaiian Electric Employees FCU
Hawaiian Electric Employees Federal Credit Union is a member-owned not-for-profit financial cooperative founded in 1937 by 15 employees of Hawaiian Electric Company.
- Headquarters
- 770 Kapiolani Blvd Ste 514, Ste 514, Honolulu, HI 96813
- NCUA charter
- 1869
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active and retired employees of Hawaiian Electric Company (HECO) are eligible for membership.
- Active and retired employees of Hawaiian Electric Industries (HEI) are eligible for membership.
- Active and retired members and employees of IBEW Local 1260 are eligible for membership.
- Active and retired employees of Maui Electric Company Limited (MECO) are eligible for membership.
- Active and retired Hawaiian Electric Employees Federal Credit Union staff are eligible for membership.
Family and household
- Immediate family and household members of active and retired employees and members of qualifying sponsor organizations are eligible for membership.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Hawaiian Electric Employees FcuMain office770 Kapiolani Blvd, Ste 514, Ste 514, 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 | 18.38% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.02% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.01% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio18.38%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.02%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ 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 Hawaiian Electric Employees FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.