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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Hawaii Central 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 26, 2026
Hawaii Central Federal Credit Union's Personal Loan Rates are at 8.25%. MonitorBankRates evaluates the financial stability of Hawaii Central Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.20%. Rates were last updated on 04/26/2026. Hawaii Central 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 Hawaii Central Federal Credit Union? Share your experience about Hawaii Central Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Hawaii Central Federal Credit Union. Hawaii Central Federal Credit Union
Hawaii Central Federal Credit Union 681 S King St
https://www.hawaiicentral.org Honolulu, HI 96813 3016 
Hawaii Central Federal Credit Union Mortgage Rates
Hawaii Central Federal Credit Union Home Equity & HELOC
Hawaii Central Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Hawaii Central 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 Hawaii Central 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 Hawaii Central Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Hawaii Central Federal Credit Union
Website
https://www.hawaiicentral.org
Address
681 S King St,
Honolulu, HI 96813 3016
Phone
808-536-3677
Fax
808-536-8360
President
Neil Shimogawa
CEO
Gary Nakata
Full-Time Employees
35
Part-Time Employees
3
Branch Locations
3
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.20%
Return on Assets (ROA)
0.5711%
Return on Equity (ROE)
5.7155%
Non-Performing Loans Ratio (NPL)
2.11%
Total Assets
296,115,564
Total Amount of Shares and Deposits
273,450,242
Total Shares and Deposits < 1 Year
255,773,850
Total Shares and Deposits 1 3 Years
15,653,641
Total Shares and Deposits > 3 Years
2,022,751
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
16,681,023
Total Uninsured Shares and Deposits > $250K (F+J)
16,681,023
Total Insured Shares and Deposits > $250K (item 17 less item K)
256,769,219
Total Interest Expense (Sum of items 6 8)
3,299,692
Share Certificates
2,005
Number of Accounts for Share Drafts
7,332
IRA KEOGH Accounts
958
Number of Accounts for Regular Shares
18,628
Non Member Deposits
3
Money Market Shares
445
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,263,074
Total Liabilities
275,073,967
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Hawaii Central Federal Credit UnionIs Hawaii Central Federal Credit Union a safe place to deposit money?Yes, Hawaii Central Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 12.199678125379%, 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 Hawaii Central Federal Credit Union operate?Hawaii Central 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 Hawaii Central Federal Credit Union?Yes, to access services at Hawaii Central 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, Hawaii Central 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, Hawaii Central Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Hawaii Central Federal Credit Union offer online and mobile banking?Most modern institutions like Hawaii Central 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.hawaiicentral.org. Compare to Other Credit Unions
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