Credit union · NCUA insured
Wailuku Federal Credit Union
Top CarrotA $132.1M credit union headquartered in Kahului, HI, with 5,383 members and 1 branch in Hawaii. Best rates: CDs 4.25% and savings 0.07% APY.
Wailuku Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#3 of 17 in Kahului, HI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wailuku Federal Credit Union
Wailuku Federal Credit Union was chartered in January 1955.
The credit union was organized to serve the need for a credit union in Wailuku.
Its mission is to make a positive difference in the community.
- Headquarters
- 133 Maa St, Kahului, HI 96732-3603
- NCUA charter
- 9924
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live in Central Maui are eligible for membership.
Employers and groups
- Persons who work in Central Maui are eligible for membership.
Military, government and schools
- Persons who attend school in Central Maui are eligible for membership.
Family and household
- Household members of qualified members—defined as persons living in the same residence and maintaining a single economic unit (including domestic partners, family members, foster children, guardians, and roommates)—are eligible for membership.
- Immediate family members of qualified members—defined as grandparents, parents, spouses, siblings, children, grandchildren, adopted children, stepparents, stepchildren, and stepsiblings—are eligible for membership.
Other ways
- Persons who worship in Central Maui are eligible for membership.
Branches
1 branch in Hawaii
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Hawaii
1 branch
- Wailuku FCUMain office133 Maa St, 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 | 12.65% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.18% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.97% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio12.65%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.18%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.97%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 Wailuku 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.