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HFS Rates & Review March 2026

Q: Is HFS a safe place to deposit money?

Yes, HFS is considered a safe financial institution. With a Texas Ratio of 6.6694642094797%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does HFS operate?

HFS currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join HFS?

Yes, to access services at HFS, 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: Is there a first-time homebuyer program?

Currently, HFS 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HFS 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: March 29, 2026

You can compare HFS rates to other rates in our database, including 12-month share certificate rates currently at 3.27%, 6-month share certificate rates at 0.15% and 3-month share certificate rates at 0.90%. Savings rates are at 0.02% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.92%. All these rates can be compared to HFS rates. MonitorBankRates evaluates the financial stability of HFS with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.67%. Rates were last updated on 03/29/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.67%

Excellent Higher than avg

Fairmount State Bank
HILO OFFICE

632 KINOOLE ST
HILO, HI 96720 3828

https securehfsfcuorg

Current Rate Availability

We do not have HFS rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HFS 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 HFS 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 HFS's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HFS

Website https securehfsfcuorg

Address 632 KINOOLE ST, HILO, HI 96720 3828

Phone 808-930-1400

Fax 808-935-2091

President GERALD TAKASE

CEO NATHAN ABE

Full-Time Employees 122

Part-Time Employees 4

Branch Locations 6

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 (97/100)

Texas Ratio

6.67%

Return on Assets (ROA)

0.8476%

Return on Equity (ROE)

9.2347%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

1,032,358,932

Total Amount of Shares and Deposits

928,026,375

Total Shares and Deposits < 1 Year

913,080,031

Total Shares and Deposits 1 3 Years

14,160,600

Total Shares and Deposits > 3 Years

785,744

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

112,795,576

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

112,795,576

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

815,230,799

Total Interest Expense (Sum of items 6 8)

11,490,035

Share Certificates

7,727

Number of Accounts for Share Drafts

41,072

IRA KEOGH Accounts

2,190

Number of Accounts for Regular Shares

70,031

Non Member Deposits

Money Market Shares

3,748

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

201,145,701

Total Liabilities

937,835,333

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for HFS yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About HFS

Is HFS a safe place to deposit money?

Yes, HFS is considered a safe financial institution. With a Texas Ratio of 6.6694642094797%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does HFS operate?

HFS 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 HFS?

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

Does HFS offer online and mobile banking?

Most modern institutions like HFS 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 securehfsfcuorg.