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 HawaiiUSA Federal Credit Union Rates & Review September 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.
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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 and Verified: September 16, 2026
HawaiiUSA Federal Credit Union's 13-Month CD rates are at 3.75%, 6-Month Jumbo CD rates are at 3.50%, 6-Month CD rates are at 3.25%, 89-Day CD rates are at 3.10%. HawaiiUSA Federal Credit Union's 15 Year Fixed Rate rates are at 5.75%, Conventional 30-Year Fixed Rate Mortgage rates are at 6.38%, 30 Year Fixed Rate rates are at 6.12%, 30-Year Jumbo Mortgage rates are at 6.62%, 30 Year Jumbo Fixed Rate rates are at 6.25%. HawaiiUSA Federal Credit Union's Personal Loan Rates are as low as 8.00%. HawaiiUSA Federal Credit Union's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of HawaiiUSA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.56%. Rates last updated and verified on 09/16/2026. HawaiiUSA 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 HawaiiUSA Federal Credit Union? Share your experience about HawaiiUSA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use HawaiiUSA Federal Credit Union. HawaiiUSA Federal Credit Union
Main Office 1226 College Walk
https://www.hawaiiusafcu.com Honolulu, HI 96817 
HawaiiUSA Federal Credit Union CD Rates
HawaiiUSA Federal Credit Union Mortgage Rates
HawaiiUSA Federal Credit Union Home Equity & HELOC
HawaiiUSA Federal Credit Union Auto Loan Rates
HawaiiUSA Federal Credit Union Credit Card Rates
HawaiiUSA Federal Credit Union Personal Loan Rates
HawaiiUSA Federal Credit Union Other Rates
Financial Health HistoryHawaiiUSA Federal Credit Union’s Texas Ratio fell from 2.22% in Q2 2023 to 1.56% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for HawaiiUSA 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 HawaiiUSA 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 HawaiiUSA Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
HawaiiUSA Federal Credit Union
Website
https://www.hawaiiusafcu.com
Address
1226 College Walk,
Honolulu, HI 96817
Phone
808-534-4300
Fax
808-844-8561
President
Harlan Kimura
CEO
Greg Young
Full-Time Employees
357
Part-Time Employees
2
Branch Locations
15
ATM Locations
13
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
1.56%
Return on Assets (ROA)
0.1953%
Return on Equity (ROE)
1.8819%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
2,673,572,926
Total Amount of Shares and Deposits
2,363,776,307
Total Shares and Deposits < 1 Year
2,349,139,318
Total Shares and Deposits 1 3 Years
12,559,569
Total Shares and Deposits > 3 Years
2,077,420
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
223,228,185
Total Uninsured Shares and Deposits > $250K (F+J)
223,228,185
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,140,548,122
Total Interest Expense (Sum of items 6 8)
6,675,180
Share Certificates
12,174
Number of Accounts for Share Drafts
93,539
IRA KEOGH Accounts
2,921
Number of Accounts for Regular Shares
152,033
All other shares
40
Money Market Shares
4,062
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)
309,739,028
Total Liabilities
2,451,622,818
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for HawaiiUSA Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for HawaiiUSA Federal Credit Union
Frequently Asked Questions About HawaiiUSA Federal Credit UnionHow many branches does HawaiiUSA Federal Credit Union operate?HawaiiUSA 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 HawaiiUSA Federal Credit Union?Yes, to access services at HawaiiUSA 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, HawaiiUSA 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, HawaiiUSA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does HawaiiUSA Federal Credit Union offer online and mobile banking?Most modern institutions like HawaiiUSA 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.hawaiiusafcu.com. Current HawaiiUSA Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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