Credit union · NCUA insured
Molokai Community FCU
A $37.2M credit union headquartered in Kaunakakai, HI, with 4,281 members and 2 branches in Hawaii. Best rates: CDs 3.00% and savings 0.10% APY.
Molokai Community FCU Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#8 of 17 in Kahului, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Molokai Community FCU
Molokai Community Federal Credit Union is a member-owned financial cooperative serving members since 1951.
The credit union is headquartered in Kaunakakai, Hawaii.
- Headquarters
- 135 Puali Place, Kaunakakai, HI 96748
- NCUA charter
- 7471
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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship, or attend school in, and businesses and other legal entities located on the Island of Molokai, Hawaii.
Employers and groups
- Membership is open to employees of this credit union and persons retired as pensioners or annuitants from such employment.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to organizations of persons within the field of membership.
Branches
2 branches in Hawaii
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Hawaii
2 branches
- Main OfficeMain office135 Puali Place, Kaunakakai, HI 96748Directions
- FHH Branch, Molokai Community FCU - DR69-L Puupeelua Ave, Hoolehua, HI 96729Directions
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 | 18.54% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.40% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $48 | $59 | — |
- CapitalNet worth ratio18.54%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.40%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$48Peers’ 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 Molokai Community FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.