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Hawaii Community Federal Credit Union

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Hawaii Community 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 Community 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 23, 2026

Hawaii Community Federal Credit Union's Jumbo 5/30 Balloon Owner-Occupied Loan rates are at 5.35%, Mortgage Rates - 7/6 ARM Owner-Occupied rates are at 5.38%, 7/6 ARM Owner-Occupied rates are at 5.50%, Mortgage Rates - 5/6 ARM Owner-Occupied rates are at 5.25%, 5/6 ARM Owner-Occupied rates are at 5.38%. Hawaii Community Federal Credit Union's Personal Loan Rates are as low as 7.00%. Hawaii Community Federal Credit Union's Credit Card Rates are at 7.90%. 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 3.31%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.31%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Hawaii Community Federal Credit Union
Kaloko Facility

73-5611 Olowalu St
Kailua Kona, HI 96740-2689

https://www.hicommfcu.com

Hawaii Community Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
Jumbo 5/30 Balloon Owner-Occupied Loan	5.35%	0.000	5.38%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Mortgage Rates - 7/6 ARM Owner-Occupied	5.38%	0.000	5.90%
Details 1st Adj Rate: 6.375% \| 1st Adj Payment: $1,225.29 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
7/6 ARM Owner-Occupied	5.50%	-	5.95%
Details 1st Adj Rate: 6.375%; 1st Adj Payment: $3,991.76 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Mortgage Rates - 5/6 ARM Owner-Occupied	5.25%	0.000	5.97%
Details 1st Adj Rate: 6.375% \| 1st Adj Payment: $1,230.04 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
5/6 ARM Owner-Occupied	5.38%	-	6.00%
Details 1st Adj Rate: 6.375%; 1st Adj Payment: $4,004.44 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Mortgage Rates - 3/6 ARM Owner-Occupied	5.00%	0.000	6.06%
Details 1st Adj Rate: 6.375% \| 1st Adj Payment: $1,234.88 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
3/6 ARM Owner-Occupied	5.13%	-	6.08%
Details 1st Adj Rate: 6.375%; 1st Adj Payment: $4,017.50 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Jumbo 5/30 Balloon Investor Loan	6.47%	0.000	6.50%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Hawaii Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC Owner-Occupied 5 Year Fixed	6.00%	0.000	7.09%
Details Payment: $1,288.60; 1st Adj Rate: 7.625%; 1st Adj Payment**: $1,494.28 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
HELOC Owner-Occupied 7 Year Fixed	6.38%	0.000	7.20%
Details Payment: $1,334.83; 1st Adj Rate: 7.625%; 1st Adj Payment**: $1,494.28 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
HELOC Owner-Occupied 3 Year Fixed	5.75%	0.000	7.24%
Details Payment: $1,258.21; 1st Adj Rate: 7.625%; 1st Adj Payment**: $1,494.28 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Hawaii Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	-	-	5.99%	60 Months
Details APR* (as low as) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
New Auto Loan	-	-	6.25%	72 Months
Details APR* (as low as) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
New Auto Loan	-	-	6.50%	78 Months
Details APR* (as low as) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
New Auto Loan	-	-	7.75%	84 Months
Details APR* (as low as) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Hawaii Community Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	7.90%
Details Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Gold Visa	-	9.90%
Details Minimum Credit Limit: $2,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Classic Visa	-	15.00%
Details Minimum Credit Limit: $500; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit; Free Additional Benefits: Rental Car Collision Damage & $250,000 Travel Accident Insurance Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Hawaii Community Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	7.00%	Up to 3 years
Details Term: Up to 3 years (36 mos.) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Unsecured Loan	7.50%	Up to 5 years
Details Term: Up to 5 years (60 mos.) Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Hawaii Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
5/30 Balloon Investor Loan	6.37%	0.000	6.38%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
5/30 Balloon Owner-Occupied Loan	5.25%	0.000	5.25%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
5/30 Vacant Land Loan	5.99%	0.000	6.00%
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Home Equity HELOC	-	-	3.50%
Details Rate and Payments based upon $200,000.00 borrowed, repaid over five years with a $199,563.01 balloon due at maturity. HELOC loans will change on the adjustment dates and will be equal to the current Weekly Auction High of 3-month U.S.T-Bill, plus a margin of 3.50% subject to a floor of 5.00%. Maximum 15.00% APR. Membership requirements apply. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Hawaii Community Federal Credit Union’s Texas Ratio fell from 7.01% in Q2 2023 to 3.31% in Q1 2026, so its financial health has improved and is now very strong 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	$805M	3.31%	5.0	A+
December 31, 2025	$783M	3.70%	5.0	A+
September 30, 2025	$770M	3.03%	5.0	A+
June 30, 2025	$767M	5.18%	5.0	A+
March 31, 2025	$771M	3.24%	5.0	A+
December 31, 2024	$740M	4.63%	5.0	A+
September 30, 2024	$727M	5.71%	5.0	A+
June 30, 2024	$731M	4.70%	5.0	A+
March 31, 2024	$743M	3.37%	5.0	A+
December 31, 2023	$736M	5.01%	5.0	A+
September 30, 2023	$749M	5.94%	5.0	A+
June 30, 2023	$753M	7.01%	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 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 122

Part-Time Employees 22

Branch Locations 9

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.31%

Return on Assets (ROA)

0.1535%

Return on Equity (ROE)

1.5989%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

805,030,548

Total Amount of Shares and Deposits

734,948,051

Total Shares and Deposits < 1 Year

728,242,011

Total Shares and Deposits 1 3 Years

5,069,223

Total Shares and Deposits > 3 Years

1,636,818

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

57,878,101

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

57,878,101

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

677,069,950

Total Interest Expense (Sum of items 6 8)

2,258,816

Share Certificates

3,946

Number of Accounts for Share Drafts

28,962

IRA KEOGH Accounts

1,483

Number of Accounts for Regular Shares

44,617

All other shares

Money Market Shares

1,003

Net Income (unless the amount is already included in Undivided Earnings)

1,235,336

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)

50,555,442

Total Liabilities

738,869,650

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Hawaii Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Hawaii Community Federal Credit Union

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.