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iAdvertiser Disclosure
Advertiser Disclosure
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 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 17, 2026
Hawaii Federal Credit Union's IRA CDs 30 month rates are at 2.53%, CDs 24 month rates are at 2.52%, CDs 12 month rates are at 2.27%, IRA CDs 12 month rates are at 2.27%, CDs 18 month rates are at 2.02%. Hawaii Federal Credit Union's money market rates are at 0.15%. Hawaii Federal Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of Hawaii Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.76%. Rates were last updated on 04/17/2026. 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 Hawaii Federal Credit Union? Share your experience about Hawaii Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hawaii Federal Credit Union. Hawaii Federal Credit Union
Main Office 1244 Kaumualii St
https://www.hawaiifcu.org Honolulu, HI 96817 
Hawaii Federal Credit Union CD Rates
Hawaii Federal Credit Union Money Market Rates
Hawaii Federal Credit Union Checking Rates
Hawaii Federal Credit Union Auto Loan Rates
Hawaii Federal Credit Union Credit Card Rates
Hawaii Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for 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 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 Hawaii Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hawaii Federal Credit Union
Website
https://www.hawaiifcu.org
Address
1244 Kaumualii St,
Honolulu, HI 96817
Phone
808-847-1371
Fax
808-842-1923
President
Roy Osada
CEO
Jacob McWhorter
Full-Time Employees
25
Part-Time Employees
3
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.76%
Return on Assets (ROA)
0.7147%
Return on Equity (ROE)
5.3907%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
108,060,978
Total Amount of Shares and Deposits
91,300,592
Total Shares and Deposits < 1 Year
90,751,953
Total Shares and Deposits 1 3 Years
548,639
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,482,077
Total Uninsured Shares and Deposits > $250K (F+J)
16,335,077
Total Insured Shares and Deposits > $250K (item 17 less item K)
74,965,515
Total Interest Expense (Sum of items 6 8)
844,143
Share Certificates
487
Number of Accounts for Share Drafts
3,692
IRA KEOGH Accounts
233
Number of Accounts for Regular Shares
12,046
Non Member Deposits
1
Money Market Shares
474
Net Income (unless the amount is already included in Undivided Earnings)
772,364
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,854,749
Total Liabilities
93,733,249
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Hawaii Federal Credit UnionIs Hawaii Federal Credit Union a safe place to deposit money?Yes, Hawaii Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.759650814166%, 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 Federal Credit Union operate?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 Hawaii Federal Credit Union?Yes, to access services at 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, 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, Hawaii Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hawaii Federal Credit Union offer online and mobile banking?Most modern institutions like 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.hawaiifcu.org. Current Hawaii Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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