Credit union · NCUA insured
HFS Federal Credit Union
A $1.1B credit union headquartered in Hilo, HI, with 55,975 members and 6 branches in Hawaii. Best rates: CDs 4.33% and savings 1.11% APY.
HFS Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#9 of 13 in Hilo, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About HFS Federal Credit Union
- Headquarters
- 632 Kinoole St, Hilo, HI 96720-3828
- NCUA charter
- 1829
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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live on the island of Hawai‘i.
Employers and groups
- Membership is open to employees of HFS Federal Credit Union.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the island of Hawai‘i.
Family and household
- Membership is open to members of the immediate families (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, and adoptive relationships) or households of eligible persons, and organizations of such persons.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to incorporated and unincorporated organizations located on the island of Hawai‘i, or maintaining a facility on the island of Hawai‘i.
1 more way to join
Other ways
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawai‘i.
Cost to join
- A minimum opening deposit balance of $50.00 is required to open a Savings Account to establish membership.
Branches
6 branches in Hawaii
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Hawaii
6 branches
- Hilo OfficeMain office632 Kinoʻole St, Hilo, HI 96720Directions
- Prince Kuhio Plaza Office111 Puainako St, Hilo, HI 96720Directions
- Honokaa45-3600 Mamane St, Honokaa, HI 96727Directions
- Kona Coast Shopping Center Office74-5586 Palani Rd Ste 5, Kona Coast Shopping Center, Kailua Kona, HI 96740Directions
- Waimea Center Office65-1158 Mamalahoa Hwy, Waimea Center Suite 21, Kamuela, HI 96743Directions
- Kea'Au Office16-589 Old Volcano Rd, Keaau, HI 96749Directions
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 | 9.32% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.41% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.97% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $49 | $88 | — |
- CapitalNet worth ratio9.32%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.41%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$49Peers’ 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 HFS 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.