Credit union · NCUA insured
Kahuku Federal Credit Union
A $8M credit union headquartered in Kahuku, HI, with 2,105 members and 1 branch in Hawaii. Best rates: CDs 3.91% and savings 0.75% APY.
Kahuku Federal Credit Union Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#22 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kahuku Federal Credit Union
Kahuku Federal Credit Union was chartered on July 28, 1937 to serve employees of the Kahuku Plantation Company.
Located in Kahuku, Hawaii, the credit union serves persons who reside or work in the Koolauloa District of Oahu.
Kahuku Federal Credit Union is designated as a low income credit union.
- Headquarters
- 56-576 Kamehameha Hwy, Kahuku, HI 96731-2211
- NCUA charter
- 2275
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who reside or work in Census Tracts 101, 102.01, and 102.02 of the City and County of Honolulu, Hawaii (the Koolauloa District, including Pupukea, Sunset Beach, Kahuku, Laie, Hauula, Punaluu, and Kaaawa) are eligible to join.
Family and household
- Families of residents of Pupukea, Sunset Beach, Kahuku, Laie, Hauula, Punaluu, and Kaaawa are eligible to join.
Cost to join
- A minimum opening deposit of $50.00 is required.
- A one-time membership fee of $1.00 is required.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Kahuku FCUMain office56-576 Kamehameha Hwy, Kahuku, HI 96731Directions
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 | 14.03% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 9.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -4.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $85 | $59 | — |
- CapitalNet worth ratio14.03%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late9.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-4.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$85Peers’ 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 Kahuku 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.