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Hawaii Central Federal Credit Union

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Hawaii Central Federal Credit Union Rates & Review May 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 11, 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 05/11/2026.

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.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.20%

Excellent Higher than avg

Hawaii Central Federal Credit Union
Hawaii Central Federal Credit Union

681 S King St
Honolulu, HI 96813 3016

https://www.hawaiicentral.org

Hawaii Central Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit 3-year Fixed Rate	-	-	5.25%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Owner-occupant (HELOC) Up to 3 year Introductory rate	-	-	5.25%
Details VARIABLE RATE (AS LOW AS) Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Home Equity Line of Credit Current Variable Rate	-	-	7.75%
No additional details. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Owner-occupant (HELOC)	-	-	7.75%
Details As Low As Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%

Hawaii Central Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loans	-	8.25%
Details As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Personal Loans	-	8.50%
Details As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Personal Loans	-	8.75%
Details As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Personal Loans	-	9.00%
Details As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%
Personal Loans	-	9.25%
Details As Low As; *APR: Annual Percentage Rate. Rate shown includes 0.25% interest rate discount for any automatic loan payment (discount offer good at the time of closing only). Other rates and terms available based on applicant's creditworthiness per HCFCU policy and is subject to approval. Not for business or real estate purposes. Other restrictions apply. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice. Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.20%

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.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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

2026 MBR Health & Safety Badge

Hawaii Central Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Frequently Asked Questions About Hawaii Central Federal Credit Union

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.