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HFS

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HFS Rates & Review August 2026

Q: How many branches does HFS operate?

HFS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join HFS?

Yes, to access services at HFS, 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: Is there a first-time homebuyer program?

Currently, HFS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HFS 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: August 29, 2026

HFS rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not HFS, and you can see how they compare in the HFS rate tables below. MonitorBankRates evaluates the financial stability of HFS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.12%. Database rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.12%

Excellent Lower than avg

HFS
HILO OFFICE

632 KINOOLE ST
HILO, HI 96720 3828

https securehfsfcuorg

Current Rate Availability

We're not currently displaying rates for HFS, but our database is updated constantly — check back soon for the latest offers.

Are you with HFS? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HFS 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 HFS 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 HFS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HFS

Website https securehfsfcuorg

Address 632 KINOOLE ST, HILO, HI 96720 3828

Phone 808-930-1400

Fax 808-935-2091

President GERALD TAKASE

CEO NATHAN ABE

Full-Time Employees 122

Part-Time Employees 4

Branch Locations 6

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

6.12%

Return on Assets (ROA)

0.8476%

Return on Equity (ROE)

9.2347%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

1,032,358,932

Total Amount of Shares and Deposits

928,026,375

Total Shares and Deposits < 1 Year

913,080,031

Total Shares and Deposits 1 3 Years

14,160,600

Total Shares and Deposits > 3 Years

785,744

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

112,795,576

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

112,795,576

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

815,230,799

Total Interest Expense (Sum of items 6 8)

11,490,035

Share Certificates

7,727

Number of Accounts for Share Drafts

41,072

IRA KEOGH Accounts

2,190

Number of Accounts for Regular Shares

70,031

Non Member Deposits

Money Market Shares

3,748

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)

201,145,701

Total Liabilities

937,835,333

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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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

Add Your Rating and Review for HFS

Frequently Asked Questions About HFS

How many branches does HFS operate?

HFS 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 HFS?

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

Does HFS offer online and mobile banking?

Most modern institutions like HFS 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 securehfsfcuorg.