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 Hickam Federal Credit Union Rates & Review August 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: August 28, 2026
Hickam Federal Credit Union's 24 month rates are at 3.00%, 36 month rates are at 3.00%, 60 month rates are at 3.00%, IRA CD 24 month rates are at 3.00%, IRA CD 36 month rates are at 3.00%. Hickam Federal Credit Union's savings rates are at 0.10%. Hickam Federal Credit Union's money market rates are at 0.00%. Hickam Federal Credit Union's Adjustable Rate Mortgage - 5/6 ARM rates are at 5.62%, Adjustable Rate Mortgage - 7/6 ARM rates are at 5.75%, Adjustable Rate Mortgage - 10/6 ARM rates are at 5.88%, 30-Year Jumbo Loan rates are at 6.00%, 30-Year Jumbo Loan rates are at 6.12%. Hickam Federal Credit Union's Personal Loan Rates are at 6.25%. MonitorBankRates evaluates the financial stability of Hickam Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.75%. Rates last updated and verified on 08/28/2026. Hickam 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 Hickam Federal Credit Union? Share your experience about Hickam Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hickam Federal Credit Union. Hickam Federal Credit Union
Pearl City Main 1260 Kuala St
https://www.hickamfcu.org Pearl City, HI 96782 2888 
Hickam Federal Credit Union CD Rates
Hickam Federal Credit Union Savings Rates
Hickam Federal Credit Union Money Market Rates
Hickam Federal Credit Union Checking Rates
Hickam Federal Credit Union Mortgage Rates
Hickam Federal Credit Union Home Equity & HELOC
Hickam Federal Credit Union Auto Loan Rates
Hickam Federal Credit Union Student Loan Rates
Hickam Federal Credit Union Credit Card Rates
Hickam Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hickam 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 Hickam 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 Hickam Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hickam 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
102
Part-Time Employees
2
Branch Locations
7
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
2.75%
Return on Assets (ROA)
0.2698%
Return on Equity (ROE)
2.8400%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
688,672,996
Total Amount of Shares and Deposits
596,999,762
Total Shares and Deposits < 1 Year
545,455,810
Total Shares and Deposits 1 3 Years
47,330,487
Total Shares and Deposits > 3 Years
4,213,464
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
41,331,836
Total Uninsured Shares and Deposits > $250K (F+J)
41,331,836
Total Insured Shares and Deposits > $250K (item 17 less item K)
555,667,926
Total Interest Expense (Sum of items 6 8)
8,265,305
Share Certificates
6,745
Number of Accounts for Share Drafts
22,401
IRA KEOGH Accounts
1,687
Number of Accounts for Regular Shares
41,444
Non Member Deposits
4
Money Market Shares
1,294
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)
31,221,381
Total Liabilities
650,378,610
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Hickam Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Hickam Federal Credit Union
Frequently Asked Questions About Hickam Federal Credit UnionHow many branches does Hickam Federal Credit Union operate?Hickam 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 Hickam Federal Credit Union?Yes, to access services at Hickam 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, Hickam 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, Hickam Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hickam Federal Credit Union offer online and mobile banking?Most modern institutions like Hickam 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 Hickam Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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