Credit union · NCUA insured
Lōkahi Federal Credit Union
A $709.3M credit union headquartered in Pearl City, HI, with 45,557 members and 6 branches in Hawaii. Best rates: CDs 2.75% and savings 0.30% APY.
Lōkahi Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#14 of 29 in Urban Honolulu, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lōkahi Federal Credit Union
Lōkahi Federal Credit Union was founded in 1936 as Hawaiian Air Depot Employees Federal Credit Union to serve civilian employees connected to the maintenance depot at Luke Field on Mokuʻumeʻume (Ford Island).
The credit union maintains a community focus serving the Island of Oʻahu.
- Headquarters
- 1260 Kuala St, Pearl City, HI 96782-2888
- NCUA charter
- 1733
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends school in the City and County of Honolulu (Island of Oahu), Hawaii is eligible for membership.
Employers and groups
- Employees of Lōkahi FCU are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- Spouses of persons who died while within the field of membership of Lōkahi FCU are eligible for membership.
Branches
6 branches in Hawaii
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Hawaii
6 branches
- Pearlridge98-1005 Moanalua Rd Spc 245, Aiea, HI 96701Directions
- Kahala4211 Waialae Ave # K13, Honolulu, HI 96816Directions
- Kaneohe46-056 Kamehameha Hwy Ste E-02, Kaneohe, HI 96744Directions
- Kapolei590 Farrington Hwy Unit 501, Kapolei, HI 96707Directions
- Mililani95-1249 Meheula Pkwy, Suite A-15, Mililani, HI 96789Directions
- Pearl City1260 Kuala St, Pearl City, HI 96782Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.49% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.29% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio9.49%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ 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 Lōkahi 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.