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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.
 CU Hawaii 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 18, 2026
CU Hawaii Federal Credit Union's 12 Month CDs & IRA CDs rates are at 3.70%, 6 Month CDs & IRA CDs rates are at 3.50%, 18 month CDs & IRA CDs rates are at 3.25%, 24 Month CDs & IRA CDs rates are at 3.25%, 36 month CDs & IRA CDs rates are at 2.75%. CU Hawaii Federal Credit Union's savings rates are at 0.05%. CU Hawaii Federal Credit Union's money market rates are at 1.00%. CU Hawaii Federal Credit Union's 5Yr ARM rates are at 6.00%, Vacant Land Loans Future Primary Residence (Balloon) rates are at 6.25%, Vacant Land Loans Future Primary Residence (Balloon) rates are at 6.50%, Vacant Land Loans Future Primary Residence rates are at 6.75%, Vacant Land Loans Investor Residential (Balloon) rates are at 6.75%. CU Hawaii Federal Credit Union's Personal Loan Rates are at 5.49%. MonitorBankRates evaluates the financial stability of CU Hawaii Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.96%. Rates were last updated on 04/18/2026. CU Hawaii 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 CU Hawaii Federal Credit Union? Share your experience about CU Hawaii Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CU Hawaii Federal Credit Union. 
CU Hawaii Federal Credit Union CD Rates
CU Hawaii Federal Credit Union Savings Rates
CU Hawaii Federal Credit Union Money Market Rates
CU Hawaii Federal Credit Union Checking Rates
CU Hawaii Federal Credit Union Mortgage Rates
CU Hawaii Federal Credit Union Home Equity & HELOC
CU Hawaii Federal Credit Union Credit Card Rates
CU Hawaii Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CU Hawaii 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 CU Hawaii 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 CU Hawaii Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CU Hawaii Federal Credit Union
Website
https://www.cuhawaii.com
Address
476 Hinano St,
Hilo, HI 96720
Phone
808-933-6700
Fax
808-935-7793
President
Eric Tanouye
CEO
James Takamine
Full-Time Employees
87
Part-Time Employees
16
Branch Locations
10
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.96%
Return on Assets (ROA)
0.5169%
Return on Equity (ROE)
4.5360%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
429,999,520
Total Amount of Shares and Deposits
375,312,145
Total Shares and Deposits < 1 Year
369,114,491
Total Shares and Deposits 1 3 Years
5,892,655
Total Shares and Deposits > 3 Years
305,000
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,410,592
Total Uninsured Shares and Deposits > $250K (F+J)
28,410,592
Total Insured Shares and Deposits > $250K (item 17 less item K)
346,901,553
Total Interest Expense (Sum of items 6 8)
2,458,945
Share Certificates
1,820
Number of Accounts for Share Drafts
23,863
IRA KEOGH Accounts
809
Number of Accounts for Regular Shares
33,996
Money Market Shares
148
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
40,642,486
Total Liabilities
381,089,053
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About CU Hawaii Federal Credit UnionIs CU Hawaii Federal Credit Union a safe place to deposit money?Yes, CU Hawaii Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.96278097184459%, 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 CU Hawaii Federal Credit Union operate?CU Hawaii 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 CU Hawaii Federal Credit Union?Yes, to access services at CU Hawaii 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, CU Hawaii 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, CU Hawaii Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does CU Hawaii Federal Credit Union offer online and mobile banking?Most modern institutions like CU Hawaii 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.cuhawaii.com. Current CU Hawaii Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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