What are the current interest rates at HELCO Federal Credit Union?

Current rates for HELCO Federal Credit Union include: 12-Month CD: 3.00%, Savings: 0.25%

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HELCO Federal Credit Union

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HELCO Federal Credit Union Rates & Review May 2026

Q: Is a member application needed to join HELCO Federal Credit Union?

Yes, to access services at HELCO 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HELCO 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: May 6, 2026

HELCO Federal Credit Union's CD - 1 year rates are at 3.00%. HELCO Federal Credit Union's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of HELCO Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates were last updated on 05/06/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.41%

Excellent Lower than avg

HELCO Federal Credit Union
HELCO FCU

1437 Kilauea Ave Ste 105
Hilo, HI 96720

https://www.helcofcu.org

HELCO Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
Certificate - 1 year	-	3.00%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

HELCO Federal Credit Union Savings Rates

Product	Rate	APY	View More
X-Mas Savings	-	0.25%
No additional details. Last Updated 05/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name HELCO Federal Credit Union

Website https://www.helcofcu.org

Address 1437 Kilauea Ave Ste 105, Hilo, HI 96720

Phone 808-238-3500

Fax 808-238-3220

President Michele Pabingwit

CEO Barbara Shozuya

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

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+ (100/100)

Texas Ratio

0.41%

Return on Assets (ROA)

0.0797%

Return on Equity (ROE)

0.4052%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

44,147,007

Total Amount of Shares and Deposits

35,369,026

Total Shares and Deposits < 1 Year

35,369,027

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

3,065,969

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

3,065,969

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

32,303,057

Total Interest Expense (Sum of items 6 8)

468,471

Share Certificates

444

Number of Accounts for Share Drafts

851

Number of Accounts for Regular Shares

1,713

Money Market Shares

298

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,893,562

Total Liabilities

35,458,147

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for HELCO 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.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About HELCO Federal Credit Union

How many branches does HELCO Federal Credit Union operate?

HELCO 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 HELCO Federal Credit Union?

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

Does HELCO Federal Credit Union offer online and mobile banking?

Most modern institutions like HELCO 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.helcofcu.org.