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University of Hawaii Federal Credit Union

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University of Hawaii Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, University of Hawaii 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

University of Hawaii Federal Credit Union's 1 Mortgage rates are at 5.62%, 1 Mortgage rates are at 5.75%, 1 Mortgage rates are at 6.00%, 1 Mortgage rates are at 5.25%, 1 Mortgage rates are at 6.12%. University of Hawaii Federal Credit Union's Personal Loan Rates are as low as 7.49%. University of Hawaii Federal Credit Union's Credit Card Rates are at 9.99%. MonitorBankRates evaluates the financial stability of University of Hawaii Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.68%. Rates last updated and verified on 09/23/2026.

University of Hawaii 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 University of Hawaii Federal Credit Union? Share your experience about University of Hawaii Federal Credit Union by leaving a review below, or read customer reviews before you decide to use University of Hawaii Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.68%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

University of Hawaii Federal Credit Union
McCully Branch

2019 S King St
Honolulu, HI 96826

https://www.uhfcu.com

University of Hawaii Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1 Mortgage	5.63%	2.00	5.98%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
1 Mortgage	5.75%	2.00	5.98%	15/15 ARM
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
1 Mortgage	6.00%	2.00	6.28%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
1 Mortgage	5.25%	2.00	6.30%	5/5 ARM
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
1 Mortgage	6.13%	2.00	6.34%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
1 Mortgage	5.25%	2.00	6.52%	5/1 ARM
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

University of Hawaii Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	5.25%	24 months
Details Discounted Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Home Equity Line of Credit	-	-	5.50%	36 months
Details Discounted Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Home Equity Line of Credit	-	-	5.75%	60 months
Details Discounted Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Home Equity Investor Heloc (HELOC)	-	-	6.75%	15 Years
Details Variable Rate; Up to 70 loan-to-value, non-owner occupied Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Home Equity (HELOC)	5.25%	-	7.25%	25 Years
Details Fixed/2 Years; Up to 80 loan-to-value, owner-occupied Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Home Equity Line of Credit	-	-	7.25%	10 years
Details Term: 10 years draw period, 15-year repayment; Rate adjusts January 1st and July 1st. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

University of Hawaii Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Truck	-	-	4.75%	36 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
New Auto/Truck	-	-	5.00%	48 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
New Auto/Truck	-	-	5.25%	60 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Used Auto/Truck	-	-	5.50%	36 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Used Auto/Truck	-	-	5.75%	48 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
New Auto/Truck	-	-	6.00%	72 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Used Auto/Truck	-	-	6.00%	60 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Used Auto/Truck	-	-	6.75%	72 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
New Auto/Truck	-	-	7.00%	84 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Used Auto/Truck	-	-	7.75%	84 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

University of Hawaii Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Plus	-	9.99%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Cash Wave Credit Card	-	16.24%
Details Published APR range: 16.24% - 18.00%. Variable; Rewards Rate: 1.75 on ALL purchases; Foreign Transaction Fee: ; Annual Fee: ; Balance Transfer Fee: Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
VISA Cash Wave	-	16.24%
Details Variable Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
VISA Cash Wave	-	17.74%
Details Variable Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
VISA Cash Wave	-	18.00%
Details Variable Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

University of Hawaii Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	7.49%	12 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Personal Loan	7.49%	24 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Personal Loan	7.49%	36 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Personal Loan	9.24%	48 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Personal Loan	9.74%	60 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

University of Hawaii Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Equity (HELOC)	5.50%	-	7.25%	25 Years
Details Fixed/3 Years; Up to 80 loan-to-value, owner-occupied Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Home Equity (HELOC)	5.75%	-	7.25%	25 Years
Details Fixed/5 Years; Up to 80 loan-to-value, owner-occupied Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Line of Credit	-	-	15.00%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%
Platinum Plus Loan	-	-	9.99%
Details Fixed; Rewards Rate: 1 point per dollar spent; Foreign Transaction Fee: 1; Annual Fee: ; Balance Transfer Fee: Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.68%

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

University of Hawaii Federal Credit Union’s Texas Ratio fell from 6.06% in Q2 2023 to 0.68% in Q1 2026, so its financial health has improved and is now very strong 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)

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	$957M	0.68%	5.0	A+
December 31, 2025	$926M	0.76%	5.0	A+
September 30, 2025	$931M	2.20%	5.0	A+
June 30, 2025	$913M	2.66%	5.0	A+
March 31, 2025	$899M	2.46%	5.0	A+
December 31, 2024	$890M	2.67%	5.0	A+
September 30, 2024	$937M	0.96%	5.0	A+
June 30, 2024	$896M	1.69%	5.0	A+
March 31, 2024	$912M	1.25%	5.0	A+
December 31, 2023	$886M	3.52%	5.0	A+
September 30, 2023	$831M	6.26%	5.0	A
June 30, 2023	$837M	6.06%	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 University of Hawaii 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 University of Hawaii 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 University of Hawaii Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University of Hawaii Federal Credit Union

Website https://www.uhfcu.com

Address 2019 S King St, Honolulu, HI 96826

Phone 808-983-5500

Fax 808-983-5544

President Edward Yuen

CEO Travis Bow

Full-Time Employees 71

Part-Time Employees 5

Branch Locations 4

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.68%

Return on Assets (ROA)

0.2477%

Return on Equity (ROE)

2.2772%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

956,727,565

Total Amount of Shares and Deposits

877,742,447

Total Shares and Deposits < 1 Year

792,557,098

Total Shares and Deposits 1 3 Years

83,239,953

Total Shares and Deposits > 3 Years

1,945,395

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

85,632,574

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

85,632,574

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

792,109,873

Total Interest Expense (Sum of items 6 8)

3,863,363

Share Certificates

10,924

Number of Accounts for Share Drafts

21,947

IRA KEOGH Accounts

2,996

Number of Accounts for Regular Shares

33,152

Money Market Shares

6,347

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)

78,243,579

Total Liabilities

883,858,003

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

University of Hawaii Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About University of Hawaii Federal Credit Union

How many branches does University of Hawaii Federal Credit Union operate?

University of Hawaii 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 University of Hawaii Federal Credit Union?

Yes, to access services at University of Hawaii 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, University of Hawaii 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, University of Hawaii Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does University of Hawaii Federal Credit Union offer online and mobile banking?

Most modern institutions like University of Hawaii 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.uhfcu.com.