What are the current interest rates at Hawaii Central Federal Credit Union?

Current rates for Hawaii Central Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.29%, 24-Month CD: 3.34%, 60-Month CD: 1.51%

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Hawaii Central Federal Credit Union

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Hawaii Central Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hawaii Central Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Hawaii Central Federal Credit Union's 6 Month CD rates are at 3.75%, 24 Month CD rates are at 3.34%, 18 Month CD rates are at 3.29%, 12 Month CD rates are at 3.25%, 60 Month CD rates are at 1.51%. Hawaii Central Federal Credit Union's Personal Loan Rates are as low as 8.50%. Hawaii Central Federal Credit Union's Credit Card Rates are at 12.40%. MonitorBankRates evaluates the financial stability of Hawaii Central Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.91%. Rates last updated and verified on 09/21/2026.

Hawaii Central 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 Central Federal Credit Union? Share your experience about Hawaii Central Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hawaii Central Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.91%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Hawaii Central Federal Credit Union
Hawaii Central Federal Credit Union

681 S King St
Honolulu, HI 96813-3016

https://www.hawaiicentral.org

Hawaii Central Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Share Certificate	3.69%	3.75%	6 MONTH
Min Deposit $1,000 Min Balance $1,000 Details Dividends Compounded & Credited MONTHLY Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
24 Month Share Certificate	3.30%	3.34%	24 MONTH
Min Deposit $500 Min Balance $500 Details Dividends Compounded & Credited MONTHLY Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
18 Month Share Certificate	3.25%	3.29%	18 MONTH
Min Deposit $500 Min Balance $500 Details Dividends Compounded & Credited MONTHLY Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
12 Month Share Certificate	3.21%	3.25%	12 MONTH
Min Deposit $500 Min Balance $500 Details Dividends Compounded & Credited MONTHLY Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
60 Month Share Certificate	1.50%	1.51%	60 MONTH
Min Deposit $500 Min Balance $500 Details Dividends Compounded & Credited MONTHLY Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Hawaii Central Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Owner-occupant (HELOC)	-	-	5.25%	15 YEAR TERM
Details Introductory Annual Percentage Rate ("APR") will be effective for the first 36 months from the date your new equity line account is open ("Introductory Period"). After the Introductory Period, the APR may vary any time and will be equal to the U.S. Prime Rate published in the Money Rates section of the Wall Street Journal, plus a 1.00% margin for a Combined Loan to Value ("CLTV") of 80%. In no event will the APR be less than 4.25% or more than 18.00%. Offer subject to approval based on applicant's creditworthiness and Hawaii Central Policy. Only residential property on Oahu is accepted as collateral. Hawaii Central will waive certain third-party closing costs (ranging an estimated $400-$600) such as Flood Determination, Title Insurance, Automated Valuation Model ("AVM") and credit report. You may be required to pay other third-party closing cost for Appraisal Fee, Escrow, Title Insurance above $250, Trust Review, or other legal documentation, if applicable. Loans paid off and closed within 2-years from the loan recordation date will require reimbursement of all waived closing costs paid by Hawaii Central FCU. The minimum credit line is $10,000 with an initial draw of $10,000. The draw period is 15-years with a 30-year amortization period. You must carry insurance on the property securing the plan. If property is located in a Special Flood Hazard area, we will require you to obtain flood insurance. Hawaii Central Membership is required. Rate, terms and conditions are subject to change or cancellation without notice. Other terms and conditions may apply. As Low As; VARIABLE RATE (AS LOW AS) 7.75 % APR* Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Home Equity Owner-occupant (HELOC)	-	-	7.75%	30 YEAR TERM
Details Introductory Annual Percentage Rate ("APR") will be effective for the first 36 months from the date your new equity line account is open ("Introductory Period"). After the Introductory Period, the APR may vary any time and will be equal to the U.S. Prime Rate published in the Money Rates section of the Wall Street Journal, plus a 1.00% margin for a Combined Loan to Value ("CLTV") of 80%. In no event will the APR be less than 4.25% or more than 18.00%. Offer subject to approval based on applicant's creditworthiness and Hawaii Central Policy. Only residential property on Oahu is accepted as collateral. Hawaii Central will waive certain third-party closing costs (ranging an estimated $400-$600) such as Flood Determination, Title Insurance, Automated Valuation Model ("AVM") and credit report. You may be required to pay other third-party closing cost for Appraisal Fee, Escrow, Title Insurance above $250, Trust Review, or other legal documentation, if applicable. Loans paid off and closed within 2-years from the loan recordation date will require reimbursement of all waived closing costs paid by Hawaii Central FCU. The minimum credit line is $10,000 with an initial draw of $10,000. The draw period is 15-years with a 30-year amortization period. You must carry insurance on the property securing the plan. If property is located in a Special Flood Hazard area, we will require you to obtain flood insurance. Hawaii Central Membership is required. Rate, terms and conditions are subject to change or cancellation without notice. Other terms and conditions may apply. VARIABLE RATE Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Hawaii Central Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.50%	3 yr
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
New Auto	-	-	4.75%	4 yr
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
New Auto	-	-	5.00%	5 yr
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
New Auto	-	-	6.00%	6 yr
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
New Auto	-	-	6.50%	7 yr
Details As Low As Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Hawaii Central Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Platinum Cash Rewards Credit Card	-	12.40%
Details Regular APR; Cash rewards earnings are credited to your credit card account, monthly.; APR range: 12.40% - 18.00% APR* VARIABLE RATE Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Hawaii Central Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.50%	2 YEARS
Details Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Personal Loans	8.75%	3 YEARS
Details Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Personal Loans	9.00%	4 YEARS
Details Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Personal Loans	9.25%	5 YEARS
Details Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Hawaii Central Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans	8.25%	-	11.05%	1 YEAR
Details APR = Annual Percentage Rate. Rates subject to change. 11.05% APR is based on a $100,000 loan amount with interest-only payments for a term of one year. The maximum credit line is $900,000 up to 80% LTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. Accrued interest is payable with each draw. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Construction Loans	8.50%	-	9.99%	2 YEARS
Details APR = Annual Percentage Rate. Rates subject to change. 9.991% APR is based on a $100,000 loan amount with interest-only payments for a term of two years. The maximum credit line is $900,000 up to 80% LTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. Accrued interest is payable with each draw. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed 2nd Mortgages	8.00%	-	8.37%	15 YEARS
Details APR = Annual Percentage Rate. Rates subject to change. 8.372% APR is based on a $100,000 loan amount with fixed, fully amortizing payments over a loan term of 15 years. Estimated monthly payment examples are principal and interest only and do not include other property expense (i.e. taxes, insurance, mortgage insurance, association & maintenance fees). The maximum credit line is $350,000 for loans up to 90% CLTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Federally insured by the NCUA. NMLS #412820. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Fixed 2nd Mortgages	8.25%	-	8.53%	30 YEARS
Details APR = Annual Percentage Rate. Rates subject to change. 8.531% APR is based on a $100,000 loan amount with fixed payments amortized over 30 years but with a balloon payment due at the end of the 15 year loan term. Estimated monthly payment examples are principal and interest only and do not include other property expense (i.e. taxes, insurance, mortgage insurance, association & maintenance fees). The maximum credit line is $350,000 for loans up to 90% CLTV. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Federally insured by the NCUA. NMLS #412820. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%
Vacant Land Loans	8.00%	-	9.47%	2 YEARS
Details APR = Annual Percentage Rate. Rates subject to change. 9.467% APR is based on a $100,000 loan amount with interest-only payments for a term of two years. Your final APR may vary based upon your loan amount, customary fees and closing costs which are treatable as interest when calculating your final APR. The maximum credit line is $1,000,000 up to 75% LTV. All loans subject to approval. Certain requirements and restrictions apply. Rates subject to change without notice. Please call for complete details. Visit HawaiiCentral.org for more information and to apply. Federally insured by the NCUA. NMLS #412820. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.91%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Hawaii Central Federal Credit Union’s Texas Ratio rose from 5.24% in Q2 2023 to 6.91% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$311M	6.91%	5.0	A
December 31, 2025	$300M	7.56%	5.0	A
September 30, 2025	$296M	11.94%	5.0	A
June 30, 2025	$299M	2.16%	5.0	A+
March 31, 2025	$292M	0.65%	5.0	A+
December 31, 2024	$294M	2.75%	5.0	A+
September 30, 2024	$300M	2.27%	5.0	A+
June 30, 2024	$303M	2.09%	5.0	A+
March 31, 2024	$319M	3.76%	5.0	A+
December 31, 2023	$304M	3.26%	5.0	A+
September 30, 2023	$324M	5.35%	5.0	A+
June 30, 2023	$320M	5.24%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Hawaii Central 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 Central 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 Central Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hawaii Central Federal Credit Union

Website https://www.hawaiicentral.org

Address 681 S King St, Honolulu, HI 96813-3016

Phone 808-536-3677

Fax 808-536-8360

President Neil Shimogawa

CEO Gary Nakata

Full-Time Employees 32

Part-Time Employees 3

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.91%

Return on Assets (ROA)

0.1577%

Return on Equity (ROE)

1.6258%

Non-Performing Loans Ratio (NPL)

1.22%

Total Assets

311,285,094

Total Amount of Shares and Deposits

287,407,146

Total Shares and Deposits < 1 Year

276,813,717

Total Shares and Deposits 1 3 Years

8,604,105

Total Shares and Deposits > 3 Years

1,989,323

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

26,109,243

Total Uninsured Shares and Deposits > $250K (F+J)

26,109,243

Total Insured Shares and Deposits > $250K (item 17 less item K)

261,297,903

Total Interest Expense (Sum of items 6 8)

995,825

Share Certificates

2,334

Number of Accounts for Share Drafts

7,369

IRA KEOGH Accounts

944

Number of Accounts for Regular Shares

18,662

Non Member Deposits

Money Market Shares

441

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

34,538,453

Total Liabilities

288,415,476

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Hawaii Central Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Hawaii Central Federal Credit Union

How many branches does Hawaii Central Federal Credit Union operate?

Hawaii Central 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 Central Federal Credit Union?

Yes, to access services at Hawaii Central 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 Central 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 Central Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Hawaii Central Federal Credit Union offer online and mobile banking?

Most modern institutions like Hawaii Central 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.hawaiicentral.org.

Current Hawaii Central Federal Credit Union Rates

12-Month CD3.25%
18-Month CD3.29%
24-Month CD3.34%
60-Month CD1.51%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Hawaii Central Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Hawaii Central Federal Credit Union Texas Ratio

Hawaii Central Federal Credit Union Health Trend

Hawaii Central Federal Credit Union CD Rates

Hawaii Central Federal Credit Union Home Equity & HELOC

Hawaii Central Federal Credit Union Auto Loan Rates

Hawaii Central Federal Credit Union Credit Card Rates

Hawaii Central Federal Credit Union Personal Loan Rates

Hawaii Central Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Hawaii Central Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Hawaii Central Federal Credit Union

How many branches does Hawaii Central Federal Credit Union operate?

Is a member application needed to join Hawaii Central Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Hawaii Central Federal Credit Union offer online and mobile banking?

Current Hawaii Central Federal Credit Union Rates

Compare to Other Credit Unions