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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.
Hawaii Community Federal Credit Union Rates & Review October 2026Hawaii Community Federal Credit Union's top rates as of October 12, 2026 are 0.05% APY on savings, 0.85% APY on checking, 5.00% on its 3/6 ARM Owner-Occupied mortgage, personal loans from 7.00% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Hawaii Community Federal Credit Union mortgage rates include Jumbo 5/30 Balloon Owner-Occupied Loan at 5.38%, Mortgage - 7/6 ARM Owner-Occupied at 5.38%, and Jumbo 7/6 ARM Owner-Occupied at 5.50%. MonitorBankRates evaluates the financial stability of Hawaii Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.63%. Rates last updated and verified on 10/12/2026. Hawaii Community 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 Hawaii Community Federal Credit Union? Share your experience about Hawaii Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hawaii Community Federal Credit Union. Hawaii Community Federal Credit Union
Kaloko Facility 73-5611 Olowalu St
https://www.hicommfcu.com Kailua Kona, HI 96740-2689 Customer Reviews
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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. Hawaii Community Federal Credit Union Savings Rates
Hawaii Community Federal Credit Union Business Savings Rates
Hawaii Community Federal Credit Union Checking Rates
Hawaii Community Federal Credit Union Business Checking Rates
Hawaii Community Federal Credit Union Mortgage Rates
Hawaii Community Federal Credit Union Home Equity & HELOC
Hawaii Community Federal Credit Union Auto Loan Rates
Hawaii Community Federal Credit Union Credit Card Rates
Hawaii Community Federal Credit Union Personal Loan Rates
Hawaii Community Federal Credit Union Other Rates
Financial Health HistoryHawaii Community Federal Credit Union’s Texas Ratio rose from 5.94% in Q3 2023 to 6.63% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hawaii Community 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 Hawaii Community 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 Hawaii Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hawaii Community Federal Credit Union
Website
https://www.hicommfcu.com
Address
73-5611 Olowalu St,
Kailua Kona, HI 96740-2689
Phone
800-514-2328
Fax
808-930-7684
President
Russell Komo
CEO
Tricia Buskirk
Full-Time Employees
120
Part-Time Employees
25
Branch Locations
9
ATM Locations
6
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.63%
Return on Assets (ROA)
0.2589%
Return on Equity (ROE)
2.6819%
Non-Performing Loans Ratio (NPL)
1.32%
Total Assets
808,321,570
Total Amount of Shares and Deposits
737,838,680
Total Shares and Deposits < 1 Year
728,726,806
Total Shares and Deposits 1 3 Years
7,684,305
Total Shares and Deposits > 3 Years
1,427,568
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,022,771
Total Uninsured Shares and Deposits > $250K (F+J)
57,022,771
Total Insured Shares and Deposits > $250K (item 17 less item K)
680,815,909
Total Interest Expense (Sum of items 6 8)
4,585,000
Share Certificates
4,048
Number of Accounts for Share Drafts
29,322
IRA KEOGH Accounts
1,495
Number of Accounts for Regular Shares
44,942
All other shares
44
Money Market Shares
983
Net Income (unless the amount is already included in Undivided Earnings)
2,092,947
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)
47,449,801
Total Liabilities
741,105,292
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Hawaii Community Federal Credit UnionHow many branches does Hawaii Community Federal Credit Union operate?Hawaii Community 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 Hawaii Community Federal Credit Union?Yes, to access services at Hawaii Community 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, Hawaii Community 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, Hawaii Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hawaii Community Federal Credit Union offer online and mobile banking?Most modern institutions like Hawaii Community 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.hicommfcu.com. Current Hawaii Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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