|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Hawaii Community Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Hawaii Community Federal Credit Union's savings rates are at 0.05%. Hawaii Community Federal Credit Union's Jumbo 5/30 Balloon Owner-Occupied rates are at 5.38%, 7/6 ARM Owner-Occupied rates are at 5.38%, 7/6 ARM Owner-Occupied rates are at 5.50%, 5/6 ARM Owner-Occupied rates are at 5.25%, 5/30 Vacant Land rates are at 6.00%. Hawaii Community Federal Credit Union's Personal Loan Rates are at 5.99%. MonitorBankRates evaluates the financial stability of Hawaii Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates were last updated on 04/17/2026. Hawaii Community Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hawaii Community Federal Credit Union? Share your experience about Hawaii Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hawaii Community Federal Credit Union. Hawaii Community Federal Credit Union
Kaloko Facility 73 5611 Olowalu St
https://www.hicommfcu.com Kailua Kona, HI 96740 2689 
Hawaii Community Federal Credit Union Savings Rates
Hawaii Community Federal Credit Union Checking Rates
Hawaii Community Federal Credit Union Mortgage Rates
Hawaii Community Federal Credit Union Home Equity & HELOC
Hawaii Community Federal Credit Union Auto Loan Rates
Hawaii Community Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hawaii Community Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Hawaii Community Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Hawaii Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hawaii Community Federal Credit Union
Website
https://www.hicommfcu.com
Address
73 5611 Olowalu St,
Kailua Kona, HI 96740 2689
Phone
800-514-2328
Fax
808-930-7684
President
Russell Komo
CEO
Tricia Buskirk
Full-Time Employees
119
Part-Time Employees
22
Branch Locations
9
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.16%
Return on Assets (ROA)
0.6357%
Return on Equity (ROE)
6.5123%
Non-Performing Loans Ratio (NPL)
0.58%
Total Assets
769,765,400
Total Amount of Shares and Deposits
702,246,518
Total Shares and Deposits < 1 Year
693,924,718
Total Shares and Deposits 1 3 Years
6,442,713
Total Shares and Deposits > 3 Years
1,879,087
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
47,076,876
Total Uninsured Shares and Deposits > $250K (F+J)
47,076,876
Total Insured Shares and Deposits > $250K (item 17 less item K)
655,169,642
Total Interest Expense (Sum of items 6 8)
6,631,140
Share Certificates
3,726
Number of Accounts for Share Drafts
28,720
IRA KEOGH Accounts
1,450
Number of Accounts for Regular Shares
44,435
All other shares
57
Money Market Shares
1,012
Net Income (unless the amount is already included in Undivided Earnings)
4,893,532
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
34,812,711
Total Liabilities
706,327,603
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Hawaii Community Federal Credit UnionIs Hawaii Community Federal Credit Union a safe place to deposit money?Yes, Hawaii Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.1564842639639%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Hawaii Community Federal Credit Union operate?Hawaii Community Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Hawaii Community Federal Credit Union?Yes, to access services at Hawaii Community Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Hawaii Community Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Hawaii Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hawaii Community Federal Credit Union offer online and mobile banking?Most modern institutions like Hawaii Community Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hicommfcu.com. Current Hawaii Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
MERCK SHARP and DOHME
Cheney Federal Credit Union
California Lithuanian Credit Union
Municipal Credit Union
SOUTHERNMOST
West Texas Credit Union
Simplot Credit Union
Little Rock Federal Credit Union
COMPASS FINANCIAL
Centerville Clinics Employees Federal Credit Union
Gesa Credit Union
Cincinnati Healthcare Associates Federal Credit Union
Lewiston Porter Federal Credit Union
OPC Federal Credit Union
Mid-Atlantic Federal Credit Union
Derry Area Federal Credit Union
New York University Federal Credit Union
American United Federal Credit Union
State Highway Patrol Federal Credit Union
Acadiana Medical Federal Credit Union
Loreal USA Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
