Credit union · NCUA insured
Kaua'i Federal Credit Union
A $197.7M credit union headquartered in Lihue, HI, with 7,756 members and 3 branches in Hawaii. Best rates: CDs 4.20% and savings 0.20% APY.
Kaua'i Federal Credit Union Carrot Score
85
Carrot Score
Higher than 68% of U.S. banks and credit unions
#2 of 10 in Kapaa, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kaua'i Federal Credit Union
Founded in 1947 to serve territory and county government employees and their families, Kauaʻi Federal Credit Union is a member-owned cooperative financial institution.
Headquartered in Līhuʻe, Hawaii, the credit union serves the island of Kauaʻi with branches in Lihue and Kilauea.
- Headquarters
- 2976 Ewalu St, Lihue, HI 96766
- NCUA charter
- 5487
Branches
3 branches in Hawaii
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Hawaii
3 branches
- Main BranchMain office2976 Ewalu St, Lihue, HI 96766Directions
- Kalukalu - Branch Kapaa4-1624 Kuhio Hwy, Kapaa, HI 96746Directions
- Kilauea Branch2555 Ala Namahana Pkwy, Suite 801, Kilauea, HI 96754Directions
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 | 8.75% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.71% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.62% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $109 | $76 | — |
- CapitalNet worth ratio8.75%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.71%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$109Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Kaua'i 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.