Credit union · NCUA insured
Kauai Ohana Federal Credit Union
A $63.2M credit union headquartered in Lihue, HI, with 3,983 members and 1 branch in Hawaii. Best rates: savings 0.02% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- Savings600.02%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Kauai Ohana Federal Credit Union
Kauai Ohana Federal Credit Union is a member-owned financial cooperative headquartered in Lihue, Hawaii.
The credit union converted from Kauai Teachers Federal Credit Union to a community charter on July 25, 2024.
- Headquarters
- 2969 Umi St, Lihue, HI 96766-1345
- NCUA charter
- 2577
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This may be incomplete or out of date, so check with the credit union before you apply.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 live, worship, work or attend school in, and businesses and other legal entities located in Kauai County, Hawaii are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership, employees of the credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons are eligible for membership.
Other ways
- Members of record of the Kauai Teachers Federal Credit Union as of July 25, 2024 are eligible for membership.
Cost to join
- A minimum share deposit of $5.00 is required upon joining.
- A one-time membership fee of $1.00 is required upon joining.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Kauai Ohana FCUMain office2969 Umi St, 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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.61% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.59% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.56% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $62 | $59 | — |
- CapitalNet worth ratio8.61%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.59%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$62Peers’ 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 Kauai Ohana 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.