MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Credit Unions›
  3. Lokahi Federal Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Lokahi Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: October 12, 2026

Lokahi Federal Credit Union's top rates as of October 12, 2026 are 3.00% APY on its 24 Month Jumbo IRA CD, 0.10% APY on savings, 0.20% APY on money market accounts, 5.00% APY on checking, 5.25% on its 20-Year Fixed 1st Mortgage, personal loans from 6.75% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Lokahi Federal Credit Union CD rates include 36 Month Jumbo IRA CD at 3.00%, 60 Month Jumbo IRA CD at 3.00%, and IRA CD - 24 month at 3.00%. Other Lokahi Federal Credit Union mortgage rates include 20-Year Fixed 1st Mortgage at 5.42%, 15-Year Fixed 1st Mortgage at 5.25%, and 15-Year Fixed 1st Mortgage at 5.42%. MonitorBankRates evaluates the financial stability of Lokahi Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.16%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.16%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Lokahi Federal Credit Union
Pearl City Main
1260 Kuala St
Pearl City, HI 96782-2888
https://www.hickamfcu.org
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Lokahi Federal Credit Union CD Rates

Product Rate APY Term View More
24 Month Jumbo IRA Certificate - 3.00% 24 months
Min Deposit $100,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
36 Month Jumbo IRA Certificate - 3.00% 36 months
Min Deposit $100,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
60 Month Jumbo IRA Certificate - 3.00% 60 months
Min Deposit $100,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
IRA Certificate - 24 month - 3.00% 24 months
Min Deposit $500
Details IRA Certificate; rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
IRA Certificate - 36 month - 3.00% 36 months
Min Deposit $500
Details IRA Certificate; rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
IRA Certificate - 60 month - 3.00% 60 months
Min Deposit $500
Details IRA Certificate; rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 24 month - 3.00% 24 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 36 month - 3.00% 36 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 60 month - 3.00% 60 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
12 - 17 Month Principal Plus Certificate - 2.75% 12-17 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
12 Month Jumbo IRA Certificate - 2.75% 12 months
Min Deposit $100,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
18 - 23 Month Principal Plus Certificate - 2.75% 18-23 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
24 - 29 Month Principal Plus Certificate - 2.75% 24-29 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
30 - 35 Month Principal Plus Certificate - 2.75% 30-35 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
36 - 59 Month Principal Plus Certificate - 2.75% 36-59 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
60 Month Principal Plus Certificate - 2.75% 60 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
IRA Certificate - 12 month - 2.75% 12 months
Min Deposit $500
Details IRA Certificate; rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 12-17 month - 2.75% 12-17 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 18-23 month - 2.75% 18-23 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 24-29 month - 2.75% 24-29 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 30-35 month - 2.75% 30-35 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 36-59 month - 2.75% 36-59 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 60 month - 2.75% 60 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 12 month - 2.75% 12 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 12-17 month - 2.75% 12-17 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 18-23 month - 2.75% 18-23 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 24-29 month - 2.75% 24-29 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 30-35 month - 2.75% 30-35 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 36-59 month - 2.75% 36-59 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 60 month - 2.75% 60 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
6 - 11 Month Principal Plus Certificate - 1.50% 6-11 months
Min Deposit $500
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 6-11 month - 1.50% 6-11 months
Min Deposit $100,000
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 6-11 month - 1.50% 6-11 months
Min Deposit $200,000
Details Rates effective as of 6/1/2025
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Savings Rates

Product Rate APY View More
Christmas Savings Accounts - 0.10%
Details Minimum daily balance:
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Keiki Savings - 0.10%
Min Balance $5
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Regular Savings - 0.10%
Min Balance $5
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 25, 2026: 0.10% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market Account - 0.20%
Min Balance $25,000
Details Balance: $25,000.00 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Money Market Account - 0.15%
Min Balance $15,000
Details Balance: $15,000.00 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Money Market Account - 0.10%
Min Balance $5,000
Details Balance: $5,000.00 - $14,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Checking Rates

Product Rate APY View More
Rate+ Checking - 5.00%
Min Balance $0
Details Qualifications Required; Balance: $0 - $10,000.00
Last Updated 10/12/2026
Rate History
No change since Oct 4, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 4, 2026: 5.00% APYOct 4, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Kupuna Checking - 0.05%
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Cash+ Checking - 0.01%
Details Monthly qualifications must be met to receive applicable rewards
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 25, 2026: 0.01% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
20-Year Fixed 1st Mortgage 5.25% 2.000 5.565% 20 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.57% APR
5.07%5.57%6.07%Oct 12, 2026: 5.57% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 1st Mortgage 5.425% 1.000 5.622% 20 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.62% APR
5.12%5.62%6.12%Oct 12, 2026: 5.62% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 1st Mortgage 5.25% 2.000 5.649% 15 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 12, 2026: 5.65% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 1st Mortgage 5.425% 1.000 5.674% 15 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.67% APR
5.17%5.67%6.17%Oct 12, 2026: 5.67% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 1st Mortgage 5.625% 0 5.702% 20 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 12, 2026: 5.70% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 1st Mortgage 5.625% 0 5.722% 15 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.72% APR
5.22%5.72%6.22%Oct 12, 2026: 5.72% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Adjustable Rate Mortgage - 5/6 ARM 6.25% 1.875% 6.636%
Details Adjustable Rate Mortgage; 1st Adjustment Rate: 5.000%
Last Updated 10/12/2026
Rate History
5 changes since Sep 16, 2026 · 6.25% → 6.64% ▲ 0.38 pts · high 6.74% / low 6.25%
5.75%6.50%7.24%Sep 16, 2026: 6.25% APRSep 25, 2026: 6.61% APROct 2, 2026: 6.74% APROct 4, 2026: 6.61% APROct 8, 2026: 6.62% APROct 12, 2026: 6.64% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.64%▲ from 6.62%
  • Oct 8, 20266.62%▲ from 6.61%
  • Oct 4, 20266.61%▼ from 6.74%
  • Oct 2, 20266.74%▲ from 6.61%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Adjustable Rate Mortgage - 7/6 ARM 6.375% 1.875% 6.764%
Details Adjustable Rate Mortgage; 1st Adjustment Rate: 5.000%
Last Updated 10/12/2026
Rate History
5 changes since Sep 16, 2026 · 6.38% → 6.76% ▲ 0.38 pts · high 6.87% / low 6.38%
5.88%6.62%7.37%Sep 16, 2026: 6.38% APRSep 25, 2026: 6.74% APROct 2, 2026: 6.87% APROct 4, 2026: 6.74% APROct 8, 2026: 6.75% APROct 12, 2026: 6.76% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.76%▲ from 6.75%
  • Oct 8, 20266.75%▲ from 6.74%
  • Oct 4, 20266.74%▼ from 6.87%
  • Oct 2, 20266.87%▲ from 6.74%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Adjustable Rate Mortgage - 10/6 ARM 6.50% 1.875% 6.892%
Details Adjustable Rate Mortgage; 1st Adjustment Rate: 5.000%
Last Updated 10/12/2026
Rate History
5 changes since Sep 16, 2026 · 6.51% → 6.89% ▲ 0.39 pts · high 7.00% / low 6.51%
6.01%6.75%7.50%Sep 16, 2026: 6.51% APRSep 25, 2026: 6.87% APROct 2, 2026: 7.00% APROct 4, 2026: 6.87% APROct 8, 2026: 6.88% APROct 12, 2026: 6.89% APRSep 16, 2026Oct 13, 2026
  • Oct 12, 20266.89%▲ from 6.88%
  • Oct 8, 20266.88%▲ from 6.87%
  • Oct 4, 20266.87%▼ from 7.00%
  • Oct 2, 20267.00%▲ from 6.87%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
30-Year Jumbo Loan 7.25% 2.000% 7.673% 30 years
Details Monthly P&I: $682.18 per $100,000 borrowed
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.67% APR · checked 2 times
7.17%7.67%8.17%Oct 8, 2026: 7.67% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
30-Year Jumbo Loan 7.375% 1.875% 7.789% 30 years
Details Monthly P&I: $690.68 per $100,000 borrowed
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.79% APR · checked 2 times
7.29%7.79%8.29%Oct 8, 2026: 7.79% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC EcoSmart Appliance Loan - - 7.00% Up to 1 year
Details As Low As; APR disclosed is the lowest rate available based on the applicable loan term
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 6 times
6.50%7.00%7.50%Sep 16, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
HELOC - Current Variable Indexed Rate - - 7.025%
Details Current standard variable indexed rate, adjusted annually; 26-week Treasury plus margin of 3.50%; maximum APR 18.00%
Last Updated 10/12/2026
Rate History
No change since Oct 2, 2026 · 7.03% APR · checked 3 times
6.53%7.03%7.53%Oct 2, 2026: 7.03% APROct 2, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
HELOC EcoSmart Appliance Loan - - 7.25% Up to 2 years
Details As Low As; APR disclosed is the lowest rate available based on the applicable loan term
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 16, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
HELOC EcoSmart Appliance Loan - - 7.75% Up to 3 years
Details As Low As; APR disclosed is the lowest rate available based on the applicable loan term
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 6 times
7.25%7.75%8.25%Sep 16, 2026: 7.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
HELOC EcoSmart Appliance Loan - - 8.25% Up to 4 years
Details As Low As; APR disclosed is the lowest rate available based on the applicable loan term
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 8.50% → 8.25% ▼ 0.25 pts · high 8.50% / low 8.25%
7.75%8.38%9.00%Sep 16, 2026: 8.50% APROct 2, 2026: 8.25% APRSep 16, 2026Oct 13, 2026
  • Oct 2, 20268.25%▼ from 8.50%
  • Sep 16, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
HELOC EcoSmart Appliance Loan - - 8.75% Up to 5 years
Details As Low As; APR disclosed is the lowest rate available based on the applicable loan term
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 16, 2026: 8.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Autos - - 4.00% Up to 3 years
Details APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 16, 2026: 3.75% APROct 4, 2026: 4.00% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.75%
  • Sep 16, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Autos - - 4.50% Up to 4 years
Details APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 16, 2026: 4.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Autos - - 4.75% Up to 5 years
Details APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 16, 2026: 4.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Autos - - 5.00% Up to 6 years
Details Loan amount: $15,000+; APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 4.75% → 5.00% ▲ 0.25 pts · high 5.00% / low 4.75%
4.25%4.88%5.50%Sep 16, 2026: 4.75% APROct 4, 2026: 5.00% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20265.00%▲ from 4.75%
  • Sep 16, 20264.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Auto - - 5.00% Up to 3 years
Details APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 16, 2026: 5.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Auto - - 5.50% Up to 4 years
Details APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Autos - - 5.75% Up to 7 years
Details Loan amount: $20,000+; APR is best rate available based on a 36-month term with a down payment of 20% or more; Eco Auto Loans for electric or hybrid vehicles receive a 0.50% discount
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Auto - - 5.75% Up to 5 years
Details APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Auto - - 5.75% Up to 6 years
Details Loan amount: ($15,000+); APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Auto - - 6.50% Up to 7 years
Details Loan amount: ($20,000+); APR disclosed is the best rate available based on a 36-month term with a down payment of 20% or more
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 7.00% → 6.50% ▼ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 16, 2026: 7.00% APROct 4, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20266.50%▼ from 7.00%
  • Sep 16, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
New Motorcycle Loan - 6.75% Up to 2 years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 16, 2026: 6.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Motorcycle Loan - 6.75% Up to 3 years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 16, 2026: 6.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Motorcycle Loan - 7.25% Up to 4 years
Details As Low As
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 16, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Motorcycle Loan - 7.25% Up to 2 years
Details As Low As; Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 16, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Motorcycle Loan - 7.25% Up to 3 years
Details As Low As; Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 5 times
6.75%7.25%7.75%Sep 16, 2026: 7.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
New Motorcycle Loan - 7.50% Up to 5 years
Details As Low As; ($15,000+)
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 16, 2026: 7.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Motorcycle Loan - 7.75% Up to 4 years
Details As Low As; Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 16, 2026: 7.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Used Motorcycle Loan - 8.00% Up to 5 years
Details As Low As; ($15,000+); Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.00% APR · checked 5 times
7.50%8.00%8.50%Sep 16, 2026: 8.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Student Loan Rates

Product Rate Points APR Term View More
Education Loan - - 3.50% Up to 15 months
Details APR effective 5/1/2026 to 12/31/2026; minimum loan amount $1,000, maximum $30,000; offer good through 12/31/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Credit Card Rates

Product Rate APR View More
Lokahi FCU RATE Mastercard - 9.90%
Details Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 5 times
9.40%9.90%10.40%Sep 16, 2026: 9.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Lokahi FCU REWARD Mastercard - 13.90%
Details Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 13.90% APR · checked 5 times
13.40%13.90%14.40%Sep 16, 2026: 13.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Lokahi FCU WORLD Mastercard - 13.90%
Details Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 13.90% APR · checked 5 times
13.40%13.90%14.40%Sep 16, 2026: 13.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Lokahi FCU ACCESS Mastercard - 16.90%
Details Rates effective as of 10/1/2026
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 16.90% APR · checked 5 times
16.40%16.90%17.40%Sep 16, 2026: 16.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Personal Loan Rates

Product APR Term View More
84-Month Eco Personal Loan 6.75% Months 13-84
Details As Low As; $10,000 min, $50,000 max
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Personal Loan 7.50% Up to 1 year
Details As Low As; Personal ($30,000 max); closed-end loan
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 4 times
7.00%7.50%8.00%Sep 16, 2026: 7.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Personal Loan 7.75% Up to 2 years
Details As Low As; Personal ($30,000 max); closed-end loan
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 4 times
7.25%7.75%8.25%Sep 16, 2026: 7.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Personal Loan 8.25% Up to 3 years
Details As Low As; Personal ($30,000 max); closed-end loan
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.25% APR · checked 4 times
7.75%8.25%8.75%Sep 16, 2026: 8.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Personal Loan 8.75% Up to 4 years
Details As Low As; Personal ($30,000 max); closed-end loan
Last Updated 10/12/2026
Rate History
1 change since Sep 16, 2026 · 9.00% → 8.75% ▼ 0.25 pts · high 9.00% / low 8.75%
8.25%8.88%9.50%Sep 16, 2026: 9.00% APROct 8, 2026: 8.75% APRSep 16, 2026Oct 13, 2026
  • Oct 8, 20268.75%▼ from 9.00%
  • Sep 16, 20269.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Personal Loan 9.25% Up to 5 years
Details As Low As; Personal ($30,000 max); closed-end loan
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.25% APR · checked 4 times
8.75%9.25%9.75%Sep 16, 2026: 9.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
15-Year Fixed 2nd Mortgage 5.50% 2.000 5.902% 15 years
Details LTV: Up to 80.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.90% APR
5.40%5.90%6.40%Oct 12, 2026: 5.90% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 2nd Mortgage 5.675% 1.000 5.926% 15 years
Details LTV: Up to 80.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.93% APR
5.43%5.93%6.43%Oct 12, 2026: 5.93% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 2nd Mortgage 5.875% 0 5.973% 15 years
Details LTV: Up to 80.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.97% APR
5.47%5.97%6.47%Oct 12, 2026: 5.97% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 2nd Mortgage 6.25% 2.000 6.661% 15 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.66% APR
6.16%6.66%7.16%Oct 12, 2026: 6.66% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 2nd Mortgage 6.425% 1.000 6.681% 15 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.68% APR
6.18%6.68%7.18%Oct 12, 2026: 6.68% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
15-Year Fixed 2nd Mortgage 6.625% 0 6.725% 15 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.73% APR
6.23%6.73%7.23%Oct 12, 2026: 6.73% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 2nd Mortgage 5.50% 2.000 5.818% 20 years
Details LTV: Up to 80.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.82% APR
5.32%5.82%6.32%Oct 12, 2026: 5.82% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 2nd Mortgage 5.675% 1.000 5.874% 20 years
Details LTV: Up to 80.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.87% APR
5.37%5.87%6.37%Oct 12, 2026: 5.87% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 2nd Mortgage 5.875% 0 5.952% 20 years
Details LTV: Up to 80.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 12, 2026: 5.95% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 2nd Mortgage 6.25% 2.000 6.577% 20 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.58% APR
6.08%6.58%7.08%Oct 12, 2026: 6.58% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 2nd Mortgage 6.425% 1.000 6.63% 20 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.63% APR
6.13%6.63%7.13%Oct 12, 2026: 6.63% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
20-Year Fixed 2nd Mortgage 6.625% 0 6.705% 20 years
Details LTV: From 80.01% - 100.00%
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.71% APR
6.21%6.71%7.21%Oct 12, 2026: 6.71% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
30-Year Conforming Loan 7.00% 1.625% 7.38% 30 years
Details Monthly P&I: $665.30 per $100,000 borrowed
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 7.40% → 7.38% ▼ 0.02 pts · high 7.40% / low 7.38%
6.88%7.39%7.90%Oct 8, 2026: 7.40% APROct 12, 2026: 7.38% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20267.38%▼ from 7.40%
  • Oct 8, 20267.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
30-Year Conforming Loan 7.125% 1.375% 7.483% 30 years
Details Monthly P&I: $673.72 per $100,000 borrowed
Last Updated 10/12/2026
Rate History
1 change since Oct 8, 2026 · 7.51% → 7.48% ▼ 0.03 pts · high 7.51% / low 7.48%
6.98%7.50%8.01%Oct 8, 2026: 7.51% APROct 12, 2026: 7.48% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20267.48%▼ from 7.51%
  • Oct 8, 20267.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Line of Credit - - 11.50%
Details $300 min. $10,000 max.; fixed interest rate available to qualified borrowers; monthly payment is 3.00% of outstanding balance or $25.00, whichever is greater
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 11.50% APR · checked 5 times
11.00%11.50%12.00%Sep 16, 2026: 11.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Individual Retirement - - 0.15%
Min Balance $0
Details Balance: $0 - $4,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 12, 2026: 0.15% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Individual Retirement - - 0.20%
Min Balance $5,000
Details Balance: $5,000 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 12, 2026: 0.20% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
Individual Retirement - - 0.25%
Min Balance $25,000
Details Balance: $25,000 or more
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 12, 2026: 0.25% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.16%
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.
Powered by MonitorBankRates

Financial Health History

Lokahi Federal Credit Union’s Texas Ratio rose from 1.48% in Q3 2023 to 2.16% in Q2 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.

0% 1.0★ 1.1% 2.0★ 2.1% 3.0★ 3.2% 4.0★ 4.2% 5.0★ Healthy zone – entire history below the 15% limit 1.48% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.16% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$702M2.16%5.0A+
March 31, 2026$709M1.73%5.0A+
December 31, 2025$699M2.90%5.0A+
September 30, 2025$689M2.75%5.0A+
June 30, 2025$700M3.02%5.0A+
March 31, 2025$678M2.91%5.0A+
December 31, 2024$674M3.14%5.0A+
September 30, 2024$673M2.61%5.0A+
June 30, 2024$665M2.44%5.0A+
March 31, 2024$677M2.15%5.0A+
December 31, 2023$673M1.99%5.0A+
September 30, 2023$701M1.48%5.0A+
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 Lokahi 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 Lokahi 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 Lokahi Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lokahi Federal Credit Union
Website https://www.hickamfcu.org
Address 1260 Kuala St, Pearl City, HI 96782-2888
Phone 808-423-1391
Fax 808-423-0268
President CAROL EBIA
CEO Scott Kaulukukui
Full-Time Employees 101
Part-Time Employees 3
Branch Locations 6
ATM Locations 1
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.16%
Return on Assets (ROA)
0.1447%
Return on Equity (ROE)
1.5244%
Non-Performing Loans Ratio (NPL)
0.39%
Total Assets
701,855,453
Total Amount of Shares and Deposits
623,982,041
Total Shares and Deposits < 1 Year
578,217,596
Total Shares and Deposits 1 3 Years
43,141,917
Total Shares and Deposits > 3 Years
2,622,528
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
46,525,245
Total Uninsured Shares and Deposits > $250K (F+J)
46,525,245
Total Insured Shares and Deposits > $250K (item 17 less item K)
577,456,796
Total Interest Expense (Sum of items 6 8)
5,559,670
Share Certificates
6,423
Number of Accounts for Share Drafts
22,316
IRA KEOGH Accounts
1,765
Number of Accounts for Regular Shares
40,607
Non Member Deposits
4
Money Market Shares
1,239
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)
26,380,614
Total Liabilities
661,748,127
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Lokahi Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/hickam-federal-credit-union-rates-review-1733">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Lokahi 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
0
Add Your Rating and Review for Lokahi Federal Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About Lokahi Federal Credit Union

How many branches does Lokahi Federal Credit Union operate?

Lokahi 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 Lokahi Federal Credit Union?

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

Does Lokahi Federal Credit Union offer online and mobile banking?

Most modern institutions like Lokahi 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.hickamfcu.org.

Current Lokahi Federal Credit Union Rates

  • 12-Month CD1.50%
  • 18-Month CD2.75%
  • 24-Month CD2.75%
  • 60-Month CD2.75%
  • Savings0.10%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

MABC Federal Credit Union Southpoint Financial Credit Union Greater Eastern Credit Union Mt Zion Indianapolis Federal Credit Union Greylock Federal Credit Union North Georgia Credit Union Covington Schools Federal Credit Union Capitol View Credit Union Meridian Credit Union Insight Credit Union Foothill Credit Union Ripple Credit Union Avestar Credit Union Christian Family Credit Union Diamond Credit Union United Equity Credit Union Old Kentucky Home Federal Credit Union Coast Line Credit Union RIVERSIDE COMMUNITY HPC Credit Union Excite Credit Union