Credit union · NCUA insured
Maui County Federal Credit Union
Top CarrotA $479.5M credit union headquartered in Wailuku, HI, with 20,767 members and 2 branches in Hawaii. Best rates: CDs 4.25% and savings 0.05% APY.
Maui County Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#1 of 17 in Kahului, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Maui County Federal Credit Union
Founded in 1936 and chartered in 1937 as Maui County Employees FCU, Maui County Federal Credit Union is a member-owned not-for-profit financial cooperative.
The credit union converted to a community charter in 2016 and merged with West Maui Community FCU in 2017, operating three branches across Kahului, Wailuku, and Lahaina.
- Headquarters
- 224 Kehalani Drive, Wailuku, HI 96793
- NCUA charter
- 1866
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, learn, or work in the County of Maui (Maui, Molokai, Lanai) are eligible to join.
Family and household
- Immediate family members (grandparent, parent, stepparent, stepsibling, sibling, child, stepchild, or grandchild) of a member or potential member are eligible to join.
Cost to join
- A $5 deposit in a savings account (Share Account) is required to open an account and start membership.
Branches
2 branches in Hawaii
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Hawaii
2 branches
- Wailuku BranchMain office224 Kehalani Drive, Wailuku, HI 96793Directions
- Branch Office - MMP270 Dairy Rd Ste 146, 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 | 13.96% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.09% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.71% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio13.96%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.09%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.71%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ 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 Maui County 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.