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 Kauai Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Kauai Federal Credit Union's 12 month Jumbo Jumbo CDs rates are at 3.70%, 12 month IRA IRA CDs rates are at 3.50%, 12 month CDs rates are at 3.50%, 6 month Jumbo Jumbo CDs rates are at 3.45%, 6 month CDs rates are at 3.25%. Kauai Federal Credit Union's savings rates are at 0.10%. Kauai Federal Credit Union's money market rates are at 0.20%. Kauai Federal Credit Union's Personal Loan Rates are at 6.25%. MonitorBankRates evaluates the financial stability of Kauai Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.72%. Rates were last updated on 04/18/2026. Kauai 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 Kauai Federal Credit Union? Share your experience about Kauai Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Kauai Federal Credit Union. 
Kauai Federal Credit Union CD Rates
Kauai Federal Credit Union Savings Rates
Kauai Federal Credit Union Money Market Rates
Kauai Federal Credit Union Checking Rates
Kauai Federal Credit Union Home Equity & HELOC
Kauai Federal Credit Union Auto Loan Rates
Kauai Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kauai 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 Kauai 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 Kauai Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kauai Federal Credit Union
Website
https://www.kauaicreditunion.org
Address
2976 Ewalu St,
Lihue, HI 96766
Phone
808-245-2463
Fax
808-246-9709
President
Kim Metcalfe
CEO
Sean Kaley
Full-Time Employees
35
Part-Time Employees
1
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.72%
Return on Assets (ROA)
0.0954%
Return on Equity (ROE)
1.1615%
Non-Performing Loans Ratio (NPL)
0.98%
Total Assets
195,820,972
Total Amount of Shares and Deposits
142,470,506
Total Shares and Deposits < 1 Year
134,696,757
Total Shares and Deposits 1 3 Years
7,136,518
Total Shares and Deposits > 3 Years
637,231
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,142,925
Total Uninsured Shares and Deposits > $250K (F+J)
17,655,674
Total Insured Shares and Deposits > $250K (item 17 less item K)
124,814,832
Total Interest Expense (Sum of items 6 8)
3,315,830
Share Certificates
1,573
Number of Accounts for Share Drafts
3,773
IRA KEOGH Accounts
397
Number of Accounts for Regular Shares
8,351
All other shares
361
Non Member Deposits
23
Money Market Shares
379
Net Income (unless the amount is already included in Undivided Earnings)
186,780
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
6,325,438
Total Liabilities
184,419,212
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Kauai Federal Credit UnionIs Kauai Federal Credit Union a safe place to deposit money?Yes, Kauai Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 9.7162197995292%, 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 Kauai Federal Credit Union operate?Kauai 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 Kauai Federal Credit Union?Yes, to access services at Kauai 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, Kauai 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, Kauai Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kauai Federal Credit Union offer online and mobile banking?Most modern institutions like Kauai 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.kauaicreditunion.org. Current Kauai Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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