What are the current interest rates at HAWAIIAN ELECTRIC EMPLOYEES?

Current rates for HAWAIIAN ELECTRIC EMPLOYEES include: 12-Month CD: 3.00%, 24-Month CD: 3.25%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
HAWAIIAN ELECTRIC EMPLOYEES

iAdvertiser Disclosure

HAWAIIAN ELECTRIC EMPLOYEES Rates & Review October 2026

Q: Is a member application needed to join HAWAIIAN ELECTRIC EMPLOYEES?

Yes, to access services at HAWAIIAN ELECTRIC EMPLOYEES, 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, HAWAIIAN ELECTRIC EMPLOYEES 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: October 10, 2026

HAWAIIAN ELECTRIC EMPLOYEES's top rates as of October 10, 2026 are 3.75% APY on its CD - 7 Month, and personal loans from 3.50% APR, according to rates verified by MonitorBankRates. Other HAWAIIAN ELECTRIC EMPLOYEES CD rates include CD - 11 Month at 3.50%, CD - 3 Year at 3.50%, and CD - 2 Year at 3.25%. MonitorBankRates evaluates the financial stability of HAWAIIAN ELECTRIC EMPLOYEES with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.31%. Rates last updated and verified on 10/10/2026.

HAWAIIAN ELECTRIC EMPLOYEES 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 HAWAIIAN ELECTRIC EMPLOYEES? Share your experience about HAWAIIAN ELECTRIC EMPLOYEES by leaving a review below, or read customer reviews before you decide to use HAWAIIAN ELECTRIC EMPLOYEES.

Verified Healthy Q2 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

2.31%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HAWAIIAN ELECTRIC EMPLOYEES
HAWAIIAN ELECTRIC EMPLOYEES FCU

770 KAPIOLANI BLVD STE 514
HONOLULU, HI 96813

http://www.hecoefcu.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.

HAWAIIAN ELECTRIC EMPLOYEES CD Rates

Product	Rate	APY	Term
Share Certificate - 7 Month	3.75%	3.75%	7 Month
Min Deposit $1,000 Details New Money Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Share Certificate - 11 Month	3.50%	3.50%	11 Month
Min Deposit $1,000 Details New Money Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Share Certificate - 3 Year	3.50%	3.50%	3 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Share Certificate - 2 Year	3.25%	3.25%	2 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Share Certificate - 1 Year	3.00%	3.00%	1 Year
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%

HAWAIIAN ELECTRIC EMPLOYEES Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	4.20%	-	4.20%	2 & 3 Years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
New Auto Loan	4.25%	-	4.25%	4 Years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
New Auto Loan	4.50%	-	4.50%	5 Years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Used Auto Loan	4.70%	-	4.70%	2 & 3 Years
Details Special Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.70% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Used Auto Loan	4.75%	-	4.75%	4 Years
Details Special Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 4.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
New Auto Loan	5.00%	-	5.00%	6 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 6, 20265.00%▲ from 4.50% Sep 18, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Used Auto Loan	5.00%	-	5.00%	5 Years
Details Special Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 5.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
New Auto Loan	5.50%	-	5.50%	7 Year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00% Oct 6, 20265.50%▲ from 5.00% Sep 18, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Used Auto Loan	6.00%	-	6.00%	6 Years
Details Special Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 6.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%

HAWAIIAN ELECTRIC EMPLOYEES Personal Loan Rates

Product	APR	Term
Bill Consolidation Loan	3.50%	1 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Bill Consolidation Loan	4.75%	2 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Bill Consolidation Loan	5.50%	3 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Bill Consolidation Loan	6.00%	4 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Signature Loan	8.25%	2 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Signature Loan	9.00%	3 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Signature Loan	10.50%	4 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Signature Loan	11.50%	5 Year
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%

HAWAIIAN ELECTRIC EMPLOYEES Other Rates

Product	Rate	Points	APY/APR	Term
Classic Loan	11.00%	-	11.00%
Details Maximum Credit Limit: $5,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Platinum Loan	10.00%	-	10.00%
Details Maximum Credit Limit: $5,000.00 - $10,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Special Seasonal Loan	3.25%	-	3.25%	1 Year
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Tuition Loan	3.25%	-	3.25%	1 Year
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Tuition Loan	3.75%	-	3.75%	2 Year
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Tuition Loan	4.25%	-	4.25%	3 Year
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Christmas	0.15%	-	0.15%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Custodial	0.15%	-	0.15%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Roth IRA	0.50%	-	0.50%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Share	0.10%	-	0.10%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%
Share Draft	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.31%

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

HAWAIIAN ELECTRIC EMPLOYEES’s Texas Ratio rose from 0.69% in Q3 2023 to 2.31% 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	$37M	2.31%	5.0	A+
March 31, 2026	$36M	2.83%	5.0	A+
December 31, 2025	$35M	2.87%	5.0	A+
September 30, 2025	$35M	1.30%	5.0	A+
June 30, 2025	$34M	1.97%	5.0	A+
March 31, 2025	$35M	1.80%	5.0	A+
December 31, 2024	$34M	1.33%	5.0	A+
September 30, 2024	$33M	1.38%	5.0	A+
June 30, 2024	$34M	0.93%	5.0	A+
March 31, 2024	$34M	1.24%	5.0	A+
December 31, 2023	$34M	1.55%	5.0	A+
September 30, 2023	$35M	0.69%	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 HAWAIIAN ELECTRIC EMPLOYEES 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 HAWAIIAN ELECTRIC EMPLOYEES 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 HAWAIIAN ELECTRIC EMPLOYEES's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HAWAIIAN ELECTRIC EMPLOYEES

Website http://www.hecoefcu.org

Address 770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813

Phone 808-451-3693

Fax 808-441-0007

President Kenneth Pang

CEO Pam Sumimoto

Full-Time Employees 4

Part-Time Employees 1

Branch Locations 2

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+ (99/100)

Texas Ratio

2.31%

Return on Assets (ROA)

0.4937%

Return on Equity (ROE)

2.6867%

Non-Performing Loans Ratio (NPL)

1.02%

Total Assets

37,146,541

Total Amount of Shares and Deposits

30,133,909

Total Shares and Deposits < 1 Year

26,948,270

Total Shares and Deposits 1 3 Years

2,935,640

Total Shares and Deposits > 3 Years

250,000

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

524,217

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

524,217

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

29,609,692

Total Interest Expense (Sum of items 6 8)

174,756

Share Certificates

239

Number of Accounts for Share Drafts

534

IRA KEOGH Accounts

Number of Accounts for Regular Shares

1,818

Non Member Deposits

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

99,626

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)

2,453,141

Total Liabilities

30,320,599

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HAWAIIAN ELECTRIC EMPLOYEES earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/hawaiian-electric-employees-rates-review-1869">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 HAWAIIAN ELECTRIC EMPLOYEES 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 HAWAIIAN ELECTRIC EMPLOYEES

Frequently Asked Questions About HAWAIIAN ELECTRIC EMPLOYEES

How many branches does HAWAIIAN ELECTRIC EMPLOYEES operate?

HAWAIIAN ELECTRIC EMPLOYEES 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 HAWAIIAN ELECTRIC EMPLOYEES?

Yes, to access services at HAWAIIAN ELECTRIC EMPLOYEES, 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, HAWAIIAN ELECTRIC EMPLOYEES 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, HAWAIIAN ELECTRIC EMPLOYEES provides members with tools to manage their accounts and build a solid financial history.

Does HAWAIIAN ELECTRIC EMPLOYEES offer online and mobile banking?

Most modern institutions like HAWAIIAN ELECTRIC EMPLOYEES 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: http://www.hecoefcu.org.