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Kahuku Federal Credit Union

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Kahuku Federal Credit Union Rates & Review September 2026

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

Yes, to access services at Kahuku Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kahuku Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Kahuku Federal Credit Union's Personal Loan Rates are as low as 7.00%. MonitorBankRates evaluates the financial stability of Kahuku Federal Credit Union with a 3.4 Star Rating, an D Overall Health Grade, and a Texas Ratio of 34.43%. Rates last updated and verified on 09/23/2026.

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

Overall Health & Safety Grade

Weak Health Score: 67/100

MonitorBankRates Rating

3.4

Good Out of 5.0 Stars

Texas Ratio

34.43%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Kahuku Federal Credit Union
Kahuku FCU

56-576 Kamehameha Hwy
Kahuku, HI 96731-2211

https://www.kahukufcu.com

Kahuku Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	6.00%	-	6.00%
Details As Low As Last Updated 09/16/2026 Institution Ratings 3.4 Star Rating D Health Grade ◈ Texas Ratio: 34.43%

Kahuku Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	7.00%
Details As Low As Last Updated 09/16/2026 Institution Ratings 3.4 Star Rating D Health Grade ◈ Texas Ratio: 34.43%

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

Kahuku Federal Credit Union’s Texas Ratio rose from 24.49% in Q2 2023 to 34.43% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 3.4 and its Health Grade from C+ to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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
March 31, 2026	$8M	34.43%	3.4	D
December 31, 2025	$8M	40.96%	2.8	F
September 30, 2025	$7M	36.05%	3.3	D
June 30, 2025	$7M	44.84%	2.5	F
March 31, 2025	$8M	36.15%	3.2	D
December 31, 2024	$7M	13.15%	5.0	A
September 30, 2024	$7M	26.40%	4.1	C+
June 30, 2024	$7M	21.39%	4.5	B
March 31, 2024	$7M	12.95%	5.0	A
December 31, 2023	$7M	11.47%	5.0	A
September 30, 2023	$7M	32.46%	3.6	D
June 30, 2023	$7M	24.49%	4.2	C+

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 Kahuku 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 Kahuku 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 Kahuku Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kahuku Federal Credit Union

Website https://www.kahukufcu.com

Address 56-576 Kamehameha Hwy, Kahuku, HI 96731-2211

Phone 808-293-9063

Fax 808-293-7667

President Mary Jean Lindsey

CEO Daniel Keomalu

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.4 / 5.0 ★

Overall Health & Safety Grade

D (67/100)

Texas Ratio

34.43%

Return on Assets (ROA)

-0.7391%

Return on Equity (ROE)

-4.9835%

Non-Performing Loans Ratio (NPL)

8.61%

Total Assets

8,027,147

Total Amount of Shares and Deposits

6,810,634

Total Shares and Deposits < 1 Year

6,810,634

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

173,921

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

173,921

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

6,636,713

Total Interest Expense (Sum of items 6 8)

29,269

Share Certificates

Number of Accounts for Share Drafts

285

Number of Accounts for Regular Shares

1,554

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-59,327

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)

1,997,148

Total Liabilities

6,836,679

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

There are no reviews for Kahuku 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 Kahuku Federal Credit Union

Frequently Asked Questions About Kahuku Federal Credit Union

How many branches does Kahuku Federal Credit Union operate?

Kahuku 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 Kahuku Federal Credit Union?

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

Does Kahuku Federal Credit Union offer online and mobile banking?

Most modern institutions like Kahuku 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.kahukufcu.com.