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Kauai Federal Credit Union

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Kauai Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Kauai Federal Credit Union's Auto Loan Rates are as low as 5.25%. MonitorBankRates evaluates the financial stability of Kauai Federal Credit Union with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 27.12%. Rates last updated and verified on 09/23/2026.

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.

Overall Health & Safety Grade

Average Health Score: 76/100

MonitorBankRates Rating

4.0

Very Good Out of 5.0 Stars

Texas Ratio

27.12%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Kauai Federal Credit Union
Main Branch

2976 Ewalu St
Lihue, HI 96766

https://www.kauaicreditunion.org

Kauai Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity HELOC	-	-	4.99%	2 years
Details Introductory discounted rate for the first 24 months on a new Home Equity Line of Credit (HELOC) secured by a primary residence. After the 24-month introductory period, the rate will convert to a variable rate equal to the Wall Street Journal (WSJ) Prime Rate plus a margin ranging from 0.50% to 3.50%, depending on creditworthiness, resulting in varying APRs. As of January 1, 2026, the WSJ Prime Rate is 6.75%. The regular APR for qualified borrowers (Grade A) would be 7.25% (Prime + 0.50%). Rates may increase after consummation. The floor rate is 3.00% APR. Maximum loan amount: $450,000. Maximum LTV: 80% (primary residence). Minimum loan amount: $25,000. Minimum initial draw: $5,000. Draw period: 5 years. Payment due on the 15th of each month. An appraisal is required for loan amounts of $400,000 or greater, or when the combined loan-to-value ratio is 80% or higher of the AVM value. Membership eligibility required. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Federally insured by NCUA. Last Updated 09/18/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.12%
Home Equity HELOC	-	-	5.99%	2 years
Details Introductory discounted rate for the first 24 months on a new Home Equity Line of Credit (HELOC) secured by an investment property. After the 24-month introductory period, the rate will convert to a variable rate equal to the Wall Street Journal (WSJ) Prime Rate plus a margin ranging from 0.50% to 3.50%, depending on creditworthiness, resulting in varying APRs. As of January 1, 2026, the WSJ Prime Rate is 6.75%. The regular APR for qualified borrowers (Grade A) would be 7.25% (Prime + 0.50%). Rates may increase after consummation. The floor rate is 3.00% APR. Maximum loan amount: $450,000. Maximum LTV: 80% (primary residence). Minimum loan amount: $25,000. Minimum initial draw: $5,000. Draw period: 5 years. Payment due on the 15th of each month. An appraisal is required for loan amounts of $400,000 or greater, or when the combined loan-to-value ratio is 80% or higher of the AVM value. Membership eligibility required. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Federally insured by NCUA. Last Updated 09/18/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.12%

Kauai Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Auto Loans	-	-	5.25%	up to seven years
Details Rates as low as 5.25% APR* Last Updated 09/18/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.12%

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

Kauai Federal Credit Union’s Texas Ratio rose from 2.26% in Q2 2023 to 27.12% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.0 and its Health Grade from A+ to C. 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)

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	$198M	27.12%	4.0	C
December 31, 2025	$196M	7.84%	5.0	A
September 30, 2025	$196M	9.00%	5.0	A
June 30, 2025	$197M	6.42%	5.0	A
March 31, 2025	$199M	5.77%	5.0	A+
December 31, 2024	$198M	4.08%	5.0	A+
September 30, 2024	$177M	2.70%	5.0	A+
June 30, 2024	$174M	2.64%	5.0	A+
March 31, 2024	$173M	2.52%	5.0	A+
December 31, 2023	$169M	3.05%	5.0	A+
September 30, 2023	$147M	2.71%	5.0	A+
June 30, 2023	$143M	2.26%	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 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 36

Part-Time Employees 0

Branch Locations 3

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

4.0 / 5.0 ★

Overall Health & Safety Grade

C (76/100)

Texas Ratio

27.12%

Return on Assets (ROA)

0.1151%

Return on Equity (ROE)

1.3784%

Non-Performing Loans Ratio (NPL)

3.12%

Total Assets

197,688,290

Total Amount of Shares and Deposits

146,021,106

Total Shares and Deposits < 1 Year

136,761,615

Total Shares and Deposits 1 3 Years

8,489,780

Total Shares and Deposits > 3 Years

769,711

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

7,778,679

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

14,478,687

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

131,542,419

Total Interest Expense (Sum of items 6 8)

967,673

Share Certificates

1,577

Number of Accounts for Share Drafts

3,872

IRA KEOGH Accounts

388

Number of Accounts for Regular Shares

8,466

All other shares

344

Non Member Deposits

Money Market Shares

398

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

227,464

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)

12,110,709

Total Liabilities

185,899,593

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Kauai Federal Credit Union

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.