Credit union · NCUA insured
Valley Isle Community Federal Credit Union
A $173.1M credit union headquartered in Kahului, HI, with 12,868 members and 3 branches in Hawaii. Best rates: savings 0.05% APY.
Valley Isle Community Federal Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#9 of 17 in Kahului, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley Isle Community Federal Credit Union
Established in 1940, Valley Isle Community Federal Credit Union is a member-owned financial cooperative serving all residents on the island of Maui.
Originally formed as HC and S Federal Credit Union by sugar plantation charter members, it converted to a community charter in 2000.
- Headquarters
- 160 Paahana St, Kahului, HI 96732
- NCUA charter
- 3574
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This may be incomplete or out of date, so check with the credit union before you apply.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 or works on the island of Maui.
Branches
3 branches in Hawaii
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Hawaii
3 branches
- Main BranchMain office160 Paahana St, Kahului, HI 96732Directions
- Lahaina Branch40 Kupuohi St Ste 102, Lahaina, HI 96761Directions
- Wailuku Branch69 N Market St, Wailuku, HI 96793Directions
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 | 9.26% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.44% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.66% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $38 | $76 | — |
- CapitalNet worth ratio9.26%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.44%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$38Peers’ 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 Valley Isle Community 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.