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Hamakua Federal Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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: May 11, 2026

Hamakua Federal Credit Union's Personal Loan Rates are at 5.50%. MonitorBankRates evaluates the financial stability of Hamakua Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.07%. Rates were last updated on 05/11/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.07%
Excellent Higher than avg
Hamakua Federal Credit Union
Main Office
28 490 Kaakepa Street
Pepeekeo, HI 96783
https://www.hamakuafcu.org
Member NCUA

Hamakua Federal Credit Union Personal Loan Rates

Product Rate APR View More
Personal Loans - 5.50%
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.07%
Personal Loans - 8.50%
No additional details.
Last Updated 05/06/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.07%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Hamakua 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 Hamakua 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 Hamakua Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hamakua Federal Credit Union
Website https://www.hamakuafcu.org
Address 28 490 Kaakepa Street, Pepeekeo, HI 96783
Phone 808-964-5566
Fax 808-964-5634
President Renee Schoen
CEO Kelly Gibo
Full-Time Employees 6
Part-Time Employees 0
Branch Locations 1
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 (95/100)
Texas Ratio
9.07%
Return on Assets (ROA)
1.0568%
Return on Equity (ROE)
6.9287%
Non-Performing Loans Ratio (NPL)
2.97%
Total Assets
20,902,517
Total Amount of Shares and Deposits
17,462,455
Total Shares and Deposits < 1 Year
17,462,454
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
890,545
Total Uninsured Shares and Deposits > $250K (F+J)
890,545
Total Insured Shares and Deposits > $250K (item 17 less item K)
16,571,910
Total Interest Expense (Sum of items 6 8)
33,575
Share Certificates
63
Number of Accounts for Share Drafts
898
IRA KEOGH Accounts
23
Number of Accounts for Regular Shares
1,908
Non Member Deposits
1
Net Income (unless the amount is already included in Undivided Earnings)
220,891
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,484,137
Total Liabilities
17,717,135
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Hamakua Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Hamakua Federal Credit Union

How many branches does Hamakua Federal Credit Union operate?

Hamakua 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 Hamakua Federal Credit Union?

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

Does Hamakua Federal Credit Union offer online and mobile banking?

Most modern institutions like Hamakua 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.hamakuafcu.org.

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