Credit union · NCUA insured
Ko’olau FCU
A $104.8M credit union headquartered in Kailua, HI, with 6,238 members and 2 branches in Hawaii. Best rates: CDs 4.50% and savings 1.15% APY.
Ko’olau FCU Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#18 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Ko’olau FCU
Founded in 1953 as Marine Corps Air Station Federal Credit Union to serve base personnel, Ko'olau Federal Credit Union is a member-owned, not-for-profit financial cooperative.
Renamed Windward Community FCU in 1982, it merged with Castle Medical Center FCU in 1998 before rebranding to Ko'olau Federal Credit Union in 2019.
Headquartered in Kaneohe on Marine Corps Base Hawaii, the credit union serves Honolulu County on the island of O'ahu.
- Headquarters
- 6699 Mokapu Rd, Kailua, HI 96734
- NCUA charter
- 8435
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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships or attends school in Honolulu County (the island of Oahu).
Military, government and schools
- All personnel of Marine Corps Base Hawaii, military, civilians, and their household members are eligible to join.
Family and household
- Membership is available to immediate family members of eligible members, regardless of where they live.
Branches
2 branches in Hawaii
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Hawaii
2 branches
- Main BranchMain office6699 Mokapu Rd, Kailua, HI 96734Directions
- Kailua Branch151 Hekili St Ste 101, Kailua, HI 96734Directions
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 | 9.45% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.05% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.12% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $60 | $76 | — |
- CapitalNet worth ratio9.45%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.05%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.12%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$60Peers’ 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 Ko’olau FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.