☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
Lokahi Federal Credit Union

iAdvertiser Disclosure

Lokahi Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Lokahi Federal Credit Union?

Current rates for Lokahi Federal Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 2.75%, 24-Month CD: 2.75%, 60-Month CD: 2.75%, Savings: 0.10%, MMA: 0.20%

Q: What CD terms does Lokahi Federal Credit Union offer?

Lokahi Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 2.75% APY for a 17 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 23 month CD, 2.75% APY for a 2 year CD, 2.75% APY for a 29 month CD, 2.75% APY for a 35 month CD, 2.75% APY for a 59 month CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Lokahi Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Lokahi Federal Credit Union's 12 - 17 Month Principal Plus CD rates are at 2.75%, 18 - 23 Month Principal Plus CD rates are at 2.75%, 24 - 29 Month Principal Plus CD rates are at 2.75%, 30 - 35 Month Principal Plus CD rates are at 2.75%, 36 - 59 Month Principal Plus CD rates are at 2.75%. Lokahi Federal Credit Union's savings rates are at 0.10%. Lokahi Federal Credit Union's money market rates are at 0.20%. Lokahi Federal Credit Union's checking rates are as high as 5.00%. Lokahi Federal Credit Union's 20-Year Fixed 1st Mortgage rates are at 5.25%, 15-Year Fixed 1st Mortgage rates are at 5.25%, Adjustable Rate Mortgage - 5/6 ARM rates are at 6.25%, Adjustable Rate Mortgage - 7/6 ARM rates are at 6.38%, Adjustable Rate Mortgage - 10/6 ARM rates are at 6.50%. Lokahi Federal Credit Union's Personal Loan Rates are as low as 7.75%. Lokahi Federal Credit Union's Credit Card Rates are at 9.90%. Lokahi Federal Credit Union's CD rates are 14% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/28/2026.

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.

Verified Healthy 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

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
IRA Certificate - 24 month	-	3.00%	24 months
Min Deposit $500 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times 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 Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times 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 Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Jumbo IRA Certificate - 24 month	-	3.00%	24 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Jumbo IRA Certificate - 36 month	-	3.00%	36 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Jumbo IRA Certificate - 60 month	-	3.00%	60 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 6 times 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 Super Jumbo IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times 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 Super Jumbo IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times 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 Super Jumbo IRA Certificate Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
12 - 17 Month Jumbo Principal Plus Certificate	-	2.75%	12-17 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
12 - 17 Month Super Jumbo Principal Plus Certificate	-	2.75%	12-17 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
18 - 23 Month Jumbo Principal Plus Certificate	-	2.75%	18-23 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
18 - 23 Month Super Jumbo Principal Plus Certificate	-	2.75%	18-23 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
24 - 29 Month Jumbo Principal Plus Certificate	-	2.75%	24-29 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
24 - 29 Month Super Jumbo Principal Plus Certificate	-	2.75%	24-29 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
30 - 35 Month Jumbo Principal Plus Certificate	-	2.75%	30-35 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
30 - 35 Month Super Jumbo Principal Plus Certificate	-	2.75%	30-35 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
36 - 59 Month Jumbo Principal Plus Certificate	-	2.75%	36-59 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
36 - 59 Month Super Jumbo Principal Plus Certificate	-	2.75%	36-59 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
60 Month Jumbo Principal Plus Certificate	-	2.75%	60 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
60 Month Super Jumbo Principal Plus Certificate	-	2.75%	60 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 2.75% APY · checked 4 times 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 Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Jumbo IRA Certificate - 12 month	-	2.75%	12 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 6 times 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 Super Jumbo IRA Certificate; Rates effective as of 10/1/2025 or 6/1/2025 per page Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
6 - 11 Month Jumbo Principal Plus Certificate	-	1.50%	6-11 months
Min Deposit $100,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 1.50% APY · checked 5 times 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 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
6 - 11 Month Super Jumbo Principal Plus Certificate	-	1.50%	6-11 months
Min Deposit $200,000 Details Rates effective as of 6/1/2025 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Savings Accounts	-	0.10%
Details Rates effective as of 10/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Keiki Savings	-	0.10%
Min Balance $5 Details Rates effective as of 10/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Regular Savings	-	0.10%
Min Balance $5 Details Rates effective as of 10/01/2025 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Tier: Fourth Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.20% APY · checked 3 times 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; Tier: Third Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.15% APY · checked 3 times 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; Tier: Second Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Money Market Account	-	0.00%
Min Balance $0 Details Balance: $0 - $4,999.99; Tier: First Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Checking Rates

Product	Rate	APY
Rate+ Checking	-	5.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Sign-up gift: ALOHA Collection RVS Tote or Slowtide Quick-Dry Beach Towel (new Cash+, Rate+, or Kupuna Checking account with at least one direct deposit; limit one per member; while supplies last) Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Kupuna Checking	-	0.05%
Details Qualifications Required Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Cash+ Checking	-	0.01%
Details Qualifications Required Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Standard Checking	-	0.00%
No additional details. Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
20-Year Fixed 1st Mortgage	5.25%	2.000	5.565%	20 years
Details From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.57% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.62% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.65% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.67% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.70% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.72% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Adjustable Rate Mortgage - 5/6 ARM	6.25%	1.375%	6.59%
Details Monthly P&I Payment: $615.72 per $100,000 borrowed; 1st Adjustment Rate: 5.000%; 1st Adjustment Payment: $674.65 Last Updated 10/28/2026 Rate History 8 changes since Sep 16, 2026 · 6.25% → 6.59% ▲ 0.34 pts · high 6.74% / low 6.25% Oct 28, 20266.59%▼ from 6.60% Oct 23, 20266.60%▼ from 6.65% Oct 15, 20266.65%▲ from 6.64% Oct 12, 20266.64%▲ from 6.62% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Adjustable Rate Mortgage - 7/6 ARM	6.375%	1375%	6.717%
Details Points printed as 1375% on source page (likely 1.375%); Monthly P&I Payment: $623.87 per $100,000 borrowed; 1st Adjustment Rate: 5.000%; 1st Adjustment Payment: $679.82 Last Updated 10/28/2026 Rate History 8 changes since Sep 16, 2026 · 6.38% → 6.72% ▲ 0.34 pts · high 6.87% / low 6.38% Oct 28, 20266.72%▼ from 6.73% Oct 23, 20266.73%▼ from 6.78% Oct 15, 20266.78%▲ from 6.76% Oct 12, 20266.76%▲ from 6.75% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Adjustable Rate Mortgage - 10/6 ARM	6.50%	1.375%	6.845%
Details Monthly P&I Payment: $632.07 per $100,000 borrowed; 1st Adjustment Rate: 5.000%; 1st Adjustment Payment: $682.95 Last Updated 10/28/2026 Rate History 8 changes since Sep 16, 2026 · 6.51% → 6.85% ▲ 0.34 pts · high 7.00% / low 6.51% Oct 28, 20266.85%▼ from 6.86% Oct 23, 20266.86%▼ from 6.90% Oct 15, 20266.90%▲ from 6.89% Oct 12, 20266.89%▲ from 6.88% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
30-Year Jumbo Loan	7.00%	2.000%	7.416%
Details Rates effective as of 10/28/2026; Monthly P&I Payment: $665.30 per $100,000 borrowed Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 6.98% → 7.42% ▲ 0.44 pts · high 7.67% / low 6.98% Oct 28, 20267.42%▼ from 7.54% Oct 4, 20267.54%▼ from 7.67% Oct 2, 20267.67%▲ from 7.53% Sep 25, 20267.53%▲ from 6.98% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
30-Year Jumbo Loan	7.125%	1.875%	7.533%
Details Rates effective as of 10/28/2026; Monthly P&I Payment: $673.72 per $100,000 borrowed Last Updated 10/28/2026 Rate History 4 changes since Sep 16, 2026 · 6.98% → 7.53% ▲ 0.55 pts · high 7.67% / low 6.98% Oct 28, 20267.53%▼ from 7.54% Oct 4, 20267.54%▼ from 7.67% Oct 2, 20267.67%▲ from 7.53% Sep 25, 20267.53%▲ from 6.98% 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 Current Variable Indexed Rate	-	-	7.025%
Details Current standard variable indexed APR as of 3/1/2026, adjusted annually; after 2/28/2027 equals 26-week Treasury plus 3.50% margin; maximum APR 18.00% Last Updated 10/28/2026 Rate History No change since Oct 2, 2026 · 7.03% APR · checked 6 times 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
New Auto Loan	-	-	4.00%	Up to 3 years
Details APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
New Auto Loan	-	-	4.50%	Up to 4 years
Details APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 4.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
New Auto Loan	-	-	4.75%	Up to 5 years
Details APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 4.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
New Auto Loan	-	-	5.00%	Up to 6 years
Details Loan amount: $15,000+; APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Used Auto Loan	-	-	5.50%	Up to 4 years
Details APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
New Auto Loan	-	-	5.75%	Up to 7 years
Details Loan amount: $20,000+; APR is the best rate based on a 36-month term for a New Auto with a 20% or more down payment; higher rates may apply by term, collateral, and credit Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Used Auto Loan	-	-	5.75%	Up to 5 years
Details APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Used Auto Loan	-	-	5.75%	Up to 6 years
Details Loan amount: $15,000+; APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Used Auto Loan	-	-	6.50%	Up to 7 years
Details Loan amount: $20,000+; APR disclosed is the best rate available based on a 36-month term for a Used Auto with a down payment of 20% or more. Last Updated 10/28/2026 Rate History 1 change since Sep 16, 2026 · 7.00% → 6.50% ▼ 0.50 pts · high 7.00% / low 6.50% 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
New Motorcycle Loan	-	6.75%	Up to 2 years
Details As Low As; APR disclosed is the best rate available based on a 36-month term; Maximum loan amounts based on 100% MSRP Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 8 times 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; APR disclosed is the best rate available based on a 36-month term; Maximum loan amounts based on 100% MSRP Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 8 times 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; APR disclosed is the best rate available based on a 36-month term; Maximum loan amounts based on 100% MSRP Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 8 times 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; APR* Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 8 times 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; APR* Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.25% APR · checked 8 times 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; Loan amount: $15,000+; APR disclosed is the best rate available based on a 36-month term; Maximum loan amounts based on 100% MSRP Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.50% APR · checked 8 times 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; APR* Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 7.75% APR · checked 8 times 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; APR*; ($15,000+) Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 8 times 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 Minimum loan $1,000; maximum loan $30,000; APR effective 5/1/2026 to 12/31/2026; automatic payment through Lokahi FCU Savings or Checking required Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Credit Card Rates

Product	Rate	APR
Lokahi FCU RATE Mastercard	-	9.90%
Details Credit Card Rates effective as of 10/1/2026; APR; Lokahi FCU membership required Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Lokahi FCU REWARD Mastercard	-	13.90%
Details Credit Card Rates effective as of 10/1/2026; APR; Lokahi FCU membership required Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 13.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Lokahi FCU WORLD Mastercard	-	13.90%
Details Credit Card Rates effective as of 10/1/2026; APR; Lokahi FCU membership required Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 13.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Lokahi FCU ACCESS Mastercard	-	16.90%
Details Credit Card Rates effective as of 10/1/2026; APR; Lokahi FCU membership required Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 16.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%

Lokahi Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan max	7.75%	Up to 2 years
Details $30,000; As Low As; APR is the lowest rate available based on the applicable loan term; higher rates may apply Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Personal Loan max	8.25%	Up to 3 years
Details $30,000; As Low As; APR is the lowest rate available based on the applicable loan term; higher rates may apply Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Personal Loan max	8.75%	Up to 4 years
Details $30,000; As Low As; APR is the lowest rate available based on the applicable loan term; higher rates may apply Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
Personal Loan max	9.25%	Up to 5 years
Details $30,000; As Low As; APR is the lowest rate available based on the applicable loan term; higher rates may apply Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 9.25% APR · checked 4 times 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
15-Year Fixed 2nd Mortgage	5.50%	2.000	5.902%	15 years
Details Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.90% APR · checked 3 times 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 Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.93% APR · checked 3 times 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 Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.97% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.66% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.68% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.73% APR · checked 3 times 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 Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.82% APR · checked 3 times 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 Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.87% APR · checked 3 times 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 Up to 80.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.95% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.58% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.63% APR · checked 3 times 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 From 80.01% - 100.00% LTV; Monthly P&I Payment:; Rates effective as of 10/1/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.71% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
30-Year Conforming Loan	6.75%	1.375%	7.10%
Details Rates effective as of 10/28/2026; Monthly P&I Payment: $648.60 per $100,000 borrowed Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 7.03% → 7.10% ▲ 0.07 pts · high 7.29% / low 7.03% Oct 28, 20267.10%▼ from 7.29% Oct 4, 20267.29%▲ from 7.26% Sep 25, 20267.26%▲ from 7.03% Sep 16, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
30-Year Conforming Loan	6.875%	1.125%	7.204%
Details Rates effective as of 10/28/2026; Monthly P&I Payment: $656.93 per $100,000 borrowed Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 7.03% → 7.20% ▲ 0.18 pts · high 7.29% / low 7.03% Oct 28, 20267.20%▼ from 7.29% Oct 4, 20267.29%▲ from 7.26% Sep 25, 20267.26%▲ from 7.03% Sep 16, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
EcoSmart Appliance Loan	-	-	7.00%	Up to 1 year
Details As Low As; Closed-end loan; APR is the lowest rate available based on loan term; higher rates may apply depending on term and credit performance; automatic payment through a Lokahi FCU Savings or Checking Account required Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
EcoSmart Appliance Loan	-	-	7.25%	Up to 2 years
Details As Low As; Closed-end loan; APR is the lowest rate available based on loan term; higher rates may apply depending on term and credit performance; automatic payment through a Lokahi FCU Savings or Checking Account required Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
EcoSmart Appliance Loan	-	-	7.75%	Up to 3 years
Details As Low As; Closed-end loan; APR is the lowest rate available based on loan term; higher rates may apply depending on term and credit performance; automatic payment through a Lokahi FCU Savings or Checking Account required Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
EcoSmart Appliance Loan	-	-	8.25%	Up to 4 years
Details As Low As; Closed-end loan; APR is the lowest rate available based on loan term; higher rates may apply depending on term and credit performance; automatic payment through a Lokahi FCU Savings or Checking Account required Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.16%
EcoSmart Appliance Loan	-	-	8.75%	Up to 5 years
Details As Low As; Closed-end loan; APR is the lowest rate available based on loan term; higher rates may apply depending on term and credit performance; automatic payment through a Lokahi FCU Savings or Checking Account required Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 8.75% APR · checked 2 times 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; no transaction or activity fees; monthly payment is 3.00% of outstanding balance or $25.00, whichever is greater Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 11.50% APR · checked 8 times 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.

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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$702M	2.16%	5.0	A+
March 31, 2026	$709M	1.73%	5.0	A+
December 31, 2025	$699M	2.90%	5.0	A+
September 30, 2025	$689M	2.75%	5.0	A+
June 30, 2025	$700M	3.02%	5.0	A+
March 31, 2025	$678M	2.91%	5.0	A+
December 31, 2024	$674M	3.14%	5.0	A+
September 30, 2024	$673M	2.61%	5.0	A+
June 30, 2024	$665M	2.44%	5.0	A+
March 31, 2024	$677M	2.15%	5.0	A+
December 31, 2023	$673M	1.99%	5.0	A+
September 30, 2023	$701M	1.48%	5.0	A+

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

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

2026 MBR Health & Safety Badge

Lokahi Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.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.svg"
       alt="MonitorBankRates Verified Healthy Badge 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

Add Your Rating and Review for Lokahi Federal Credit Union

Frequently Asked Questions About Lokahi Federal Credit Union

Does Lokahi Federal Credit Union offer CDs?

Yes. Lokahi Federal Credit Union current CD rates include its 12 - 17 Month Principal Plus CD at 2.75% APY, its 18 - 23 Month Principal Plus CD at 2.75% APY and its 24 - 29 Month Principal Plus CD at 2.75% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Lokahi Federal Credit Union NCUA insured?

Yes. Lokahi Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Lokahi Federal Credit Union?

The highest Lokahi Federal Credit Union CD rate is its IRA CD - 24 month at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Lokahi Federal Credit Union offer?

Lokahi Federal Credit Union CD rates are 1.50% APY for a 12 month CD, 2.75% APY for a 17 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 23 month CD, 2.75% APY for a 2 year CD, 2.75% APY for a 29 month CD, 2.75% APY for a 35 month CD, 2.75% APY for a 59 month CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Lokahi Federal Credit Union for its full lineup.

What is the highest savings rate at Lokahi Federal Credit Union?

The highest Lokahi Federal Credit Union savings rate is its Christmas Savings Accounts at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Lokahi Federal Credit Union?

The highest Lokahi Federal Credit Union money market rate is its Money Market Account at 0.20% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Lokahi Federal Credit Union?

The highest Lokahi Federal Credit Union checking rate is its Rate+ Checking at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest mortgage rate at Lokahi Federal Credit Union?

The lowest Lokahi Federal Credit Union mortgage rate is its 20-Year Fixed 1st Mortgage at 5.25%, verified by MonitorBankRates as of October 28, 2026. Lokahi Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage, 5.25% for a 20 year mortgage, 5.25% for a 15 year mortgage, 6.25% for a 5/6 ARM, 6.375% for a 7/6 ARM and 6.50% for a 10/6 ARM.

What is the lowest auto loan rate at Lokahi Federal Credit Union?

The lowest Lokahi Federal Credit Union auto loan rate is its New Auto Loan at 4.00% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Lokahi Federal Credit Union?

The lowest Lokahi Federal Credit Union personal loan rate is its Personal Loan max at 7.75% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Lokahi Federal Credit Union?

The lowest Lokahi Federal Credit Union credit card APR is its Lokahi FCU RATE Mastercard Credit Card at 9.90% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Lokahi Federal Credit Union rates compare?

Lokahi Federal Credit Union's CD rates are 14% lower than the MonitorBankRates national average, and it has an A+ health rating. Lokahi Federal Credit Union's top rates are its IRA CD - 24 month at 3.00% APY, its Christmas Savings Accounts at 0.10% APY, its Money Market Account at 0.20% APY, its Rate+ Checking at 5.00% APY, its 20-Year Fixed 1st Mortgage at 5.25%, its Personal Loan max at 7.75% APR and its Lokahi FCU RATE Mastercard Credit Card at 9.90% APR, verified by MonitorBankRates on October 28, 2026.

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

Carolinas Telco Federal Credit Union Lake Superior Credit Union Catholic & Community Credit Union McMurrey Federal Credit Union Winslow Santa Fe Credit Union Cincinnati Employees Credit Union Harvesters Credit Union Erie County Employees Credit Union SERVU Federal Credit Union AHE Plant 3 Federal Credit Union Metrum Community Credit Union Vigo County Federal Credit Union Berylco Employees Credit Union St Michaels Fall River Federal Credit Union Logan Medical Federal Credit Union Educational Employees Credit Union RAH Federal Credit Union Capitol Credit Union Evansville Firefighters Federal Credit Union 1st Community Credit Union Electrical Workers Local 58 Credit Union

Lokahi Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Lokahi Federal Credit Union Texas Ratio

Lokahi Federal Credit Union Health Trend

Lokahi Federal Credit Union CD Rates

Lokahi Federal Credit Union Savings Rates

Lokahi Federal Credit Union Money Market Rates

Lokahi Federal Credit Union Checking Rates

Lokahi Federal Credit Union Mortgage Rates

Lokahi Federal Credit Union Home Equity & HELOC

Lokahi Federal Credit Union Auto Loan Rates

Lokahi Federal Credit Union RV, Boat and Powersport Loan Rates

Lokahi Federal Credit Union Student Loan Rates

Lokahi Federal Credit Union Credit Card Rates

Lokahi Federal Credit Union Personal Loan Rates

Lokahi Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Lokahi Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Lokahi Federal Credit Union

Does Lokahi Federal Credit Union offer CDs?

Are CDs from Lokahi Federal Credit Union NCUA insured?

What is the highest CD rate at Lokahi Federal Credit Union?

What CD terms does Lokahi Federal Credit Union offer?

What is the highest savings rate at Lokahi Federal Credit Union?

What is the highest money market rate at Lokahi Federal Credit Union?

What is the highest checking rate at Lokahi Federal Credit Union?

What is the lowest mortgage rate at Lokahi Federal Credit Union?

What is the lowest auto loan rate at Lokahi Federal Credit Union?

What is the lowest personal loan rate at Lokahi Federal Credit Union?

What is the lowest credit card APR at Lokahi Federal Credit Union?

How many branches does Lokahi Federal Credit Union operate?

Is a member application needed to join Lokahi Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Lokahi Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Lokahi Federal Credit Union rates compare?

Current Lokahi Federal Credit Union Rates

Compare to Other Credit Unions