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Onomea Federal Credit Union

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Onomea Federal Credit Union Rates & Review September 2026

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

Yes, to access services at Onomea 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, Onomea 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

Onomea Federal Credit Union's Personal Loan Rates are as low as 5.00%. Onomea Federal Credit Union's Credit Card Rates are at 5.00%. MonitorBankRates evaluates the financial stability of Onomea Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.51%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.51%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Onomea Federal Credit Union
Onomea FCU

27-251 Old Mamalahoa Hwy
Papaikou, HI 96781

https://www.onomeafcu.org

Onomea Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loans	4.75%	-	4.75%	48 Months or Less
Details 72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Vehicle Loans	5.75%	-	5.75%	60 - 72 Months
Details 72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Vehicle Loans	6.75%	-	6.75%	84 Months
Details 72-Month Financing available on amounts of $18,000 or greater. 84-Month Financing available on amounts of $25,000 or greater. Up to 100% Financing on New Vehicles, and Used Vehicles 10 years or newer. Maximum loan amounts may be applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

Onomea Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum Secured	5.00%	5.00%
Details Term: Payment Based Upon Balance; Maximum Credit Limit is $10,000. Lower Limits may be applicable. $25.00 Annual Fee. Secured Visa secured by Credit Union shares. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Visa Platinum Unsecured	8.00%	8.00%
Details Term: Payment Based Upon Balance; Maximum Credit Limit is $10,000. Lower Limits may be applicable. $25.00 Annual Fee. Secured Visa secured by Credit Union shares. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

Onomea Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	5.00%	36 Months or Less
Details Maximum Loan Amount is $20,000. Lower limits may be applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Signature Loans	7.00%	48 - 60 Months
Details Maximum Loan Amount is $20,000. Lower limits may be applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Visa Platinum Unsecured	8.00%	Payment Based Upon B
Details Term: Payment Based Upon Balance; Maximum Credit Limit is $10,000. Lower Limits may be applicable. $25.00 Annual Fee. Secured Visa secured by Credit Union shares. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%
Signature Loans	8.50%	72 - 84 Months
Details Maximum Loan Amount is $20,000. Lower limits may be applicable. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.51%

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

Onomea Federal Credit Union’s Texas Ratio stayed near 0.61% in Q2 2023 to 0.51% in Q1 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
March 31, 2026	$27M	0.51%	5.0	A+
December 31, 2025	$27M	1.02%	5.0	A+
September 30, 2025	$26M	0.62%	5.0	A+
June 30, 2025	$26M	1.26%	5.0	A+
March 31, 2025	$26M	0.83%	5.0	A+
December 31, 2024	$25M	0.45%	5.0	A+
September 30, 2024	$24M	1.17%	5.0	A+
June 30, 2024	$25M	0.73%	5.0	A+
March 31, 2024	$25M	1.19%	5.0	A+
December 31, 2023	$25M	1.07%	5.0	A+
September 30, 2023	$25M	1.14%	5.0	A+
June 30, 2023	$24M	0.61%	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 Onomea 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 Onomea 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 Onomea Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Onomea Federal Credit Union

Website https://www.onomeafcu.org

Address 27-251 Old Mamalahoa Hwy, Papaikou, HI 96781

Phone 808-964-1031

Fax 808-964-5088

President Michael Udovic

CEO David Morgan

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.51%

Return on Assets (ROA)

0.3760%

Return on Equity (ROE)

2.1794%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

26,780,355

Total Amount of Shares and Deposits

21,991,841

Total Shares and Deposits < 1 Year

21,171,800

Total Shares and Deposits 1 3 Years

820,041

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

25,075

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

21,966,766

Total Interest Expense (Sum of items 6 8)

29,130

Share Certificates

Number of Accounts for Share Drafts

911

IRA KEOGH Accounts

136

Number of Accounts for Regular Shares

2,073

Non Member Deposits

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)

1,294,035

Total Liabilities

22,160,137

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Onomea 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Onomea Federal Credit Union

How many branches does Onomea Federal Credit Union operate?

Onomea 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 Onomea Federal Credit Union?

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

Does Onomea Federal Credit Union offer online and mobile banking?

Most modern institutions like Onomea 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.onomeafcu.org.