Credit union · NCUA insured
HawaiiUSA FCU
A $2.7B credit union, the 194th largest of 4,329, headquartered in Honolulu, HI, with 130,552 members and 15 branches in Hawaii. Best rates: CDs 4.40% and savings 1.35% APY.
HawaiiUSA FCU Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#8 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HawaiiUSA FCU
HawaiiUSA Federal Credit Union is a member-owned cooperative headquartered in Honolulu, Hawaii.
It operates branches on Oahu, Maui, Hawaii, and Kauai, focusing on financial education, healthcare, housing, and food insecurity.
- Headquarters
- 1226 College Walk, Honolulu, HI 96817
- NCUA charter
- 1815
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with any of the credit union's 10,000+ Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to individuals (or members of their family or household) who are employees, retirees, students, or student parents in a majority of Hawaii pre-K through 12th grade schools.
Family and household
- Eligibility is open to immediate family members of existing HawaiiUSA members.
Branches
15 branches in Hawaii
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Hawaii
15 branches
Urban Honolulu area · 11
- Main OfficeMain office1226 College Walk, Honolulu, HI 96817Directions
- Aiea BranchAiea Shopping Center, 99-115 Aiea Heights Dr Ste 114, Aiea, HI 96701Directions
- Kahala Branch4137 Waialae Ave, Honolulu, HI 96816Directions
- Kakaako Financial Center987 Queen St, Ste N108, Honolulu, HI 96814Directions
- Main Branch1226 College Walk, Honolulu, HI 96817Directions
- Kaneohe BranchWindward Mall, 46-056 Kamehameha Hwy Ste 233, Kaneohe, HI 96744Directions
- Kapolei Branch920 Kamokila Blvd, Kapolei, HI 96707Directions
- Mililani Branch95-221 Kipapa Dr # 3120, Mililani Shopping Center, Mililani, HI 96789Directions
- Pearl City Branch1245 Kuala St Ste 101, Pearl City, HI 96782Directions
- Virtual Branch1245 Kuala St, Pearl City, HI 96782Directions
- Waipahu BranchWaipahu Town Center, 94-030 Farrington Hwy Ste 101, Waipahu, HI 96797Directions
Kahului area · 2
- Kahului BranchQueen Kaahumanu Office Building, 285 W Kaahumanu Ave Ste 101A, Kahului, HI 96732Directions
- Kihei Branch41 E Lipoa St Ste 25, Kihei, HI 96753Directions
Hilo area · 1
- IEG Branch375 Kekuanaoa St, Hilo, HI 96720Directions
Kapaa area · 1
- Lihue Branch3-2600 Kaumualii Hwy, Lihue, HI 96766Directions
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 | 10.63% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.39% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.86% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $66 | $88 | — |
- CapitalNet worth ratio10.63%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.39%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$66Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 HawaiiUSA FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.