Credit union · NCUA insured
Kahului Federal Credit Union
A $79.5M credit union headquartered in Kahului, HI, with 3,981 members and 1 branch in Hawaii. Best rates: CDs 4.05% and savings 0.05% APY.
Kahului Federal Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#11 of 17 in Kahului, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kahului Federal Credit Union
Headquartered in Kahului, Hawaii, Kahului Federal Credit Union was formed in 1955 and officially granted Charter 10399 as Kahului Community Federal Credit Union that same year.
Founded to meet the financial needs of the Kahului community, the credit union officially changed its name to Kahului Federal Credit Union in September 1971.
The institution operates as a member-owned credit union with volunteer leadership.
- Headquarters
- 25 W Kamehameha Ave, Kahului, HI 96732-2240
- NCUA charter
- 10399
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Kahului FCUMain office25 W Kamehameha Ave, Kahului, HI 96732Directions
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 | 13.90% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.13% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $40 | $59 | — |
- CapitalNet worth ratio13.90%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.13%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$40Peers’ 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 Kahului 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.