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Hawaii Community Federal Credit Union Rates & Review October 2026

Hawaii Community Federal Credit Union's top rates as of October 12, 2026 are 0.05% APY on savings, 0.85% APY on checking, 5.00% on its 3/6 ARM Owner-Occupied mortgage, personal loans from 7.00% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Hawaii Community Federal Credit Union mortgage rates include Jumbo 5/30 Balloon Owner-Occupied Loan at 5.38%, Mortgage - 7/6 ARM Owner-Occupied at 5.38%, and Jumbo 7/6 ARM Owner-Occupied at 5.50%. MonitorBankRates evaluates the financial stability of Hawaii Community Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.63%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.63%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Hawaii Community Federal Credit Union
Kaloko Facility
73-5611 Olowalu St
Kailua Kona, HI 96740-2689
https://www.hicommfcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Hawaii Community Federal Credit Union Savings Rates

Product Rate APY View More
Club Account 0.05% 0.05%
Min Deposit $50
Min Balance $50
Details Average Daily Balance to Obtain APY Disclosed: $50.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Share Savings Account 0.05% 0.05%
Min Deposit $50
Min Balance $50
Details Average Daily Balance to Obtain APY Disclosed: $50.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Youth Savings Account 0.05% 0.05%
Min Deposit $5
Min Balance $50
Details Average Daily Balance to Obtain APY Disclosed: $50.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Business Savings Rates

Product Rate APY View More
Business Savings Account 0.05% 0.05%
Min Deposit $50
Min Balance $50
Details Average Daily Balance to Obtain APY Disclosed: $50.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Checking Rates

Product Rate APY View More
50 Advantage Interest Checking Account 0.75% 0.75%
Details Average Daily Balance to Obtain APY Disclosed:
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 0.55% → 0.75% ▲ 0.20 pts · high 0.75% / low 0.55%
0.05%0.65%1.25%Sep 25, 2026: 0.55% APYOct 4, 2026: 0.75% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20260.75%▲ from 0.55%
  • Sep 25, 20260.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Business Checking Rates

Product Rate APY View More
Business Interest Checking 0.85% 0.85%
Min Balance $5,000
Details Average Daily Balance to Obtain APY Disclosed: $5,000.00
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 0.65% → 0.85% ▲ 0.20 pts · high 0.85% / low 0.65%
0.15%0.75%1.35%Sep 25, 2026: 0.65% APYOct 4, 2026: 0.85% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20260.85%▲ from 0.65%
  • Sep 25, 20260.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Jumbo 5/30 Balloon Owner-Occupied Loan 5.375% 0.000 5.347% 5/30
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 12, 2026: 5.35% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Mortgage - 7/6 ARM Owner-Occupied 5.375% 0.000 6.019%
Details First Adjustment Rate: 6.625%; First Adjustment Payment: $1,252.34
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 5.96% → 6.02% ▲ 0.06 pts · high 6.02% / low 5.96%
5.46%5.99%6.52%Sep 25, 2026: 5.96% APROct 12, 2026: 6.02% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.02%▲ from 5.96%
  • Sep 25, 20265.96%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Jumbo 7/6 ARM Owner-Occupied 5.50% - 6.072%
Details 1st Adj Rate: 6.625%; 1st Adj Payment: $4,079.91
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.07% APR
5.57%6.07%6.57%Oct 12, 2026: 6.07% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Mortgage - 5/6 ARM Owner-Occupied 5.25% 0.000 6.116%
Details First Adjustment Rate: 6.625%; First Adjustment Payment: $1,258.83
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 6.04% → 6.12% ▲ 0.07 pts · high 6.12% / low 6.04%
5.54%6.08%6.62%Sep 25, 2026: 6.04% APROct 12, 2026: 6.12% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.12%▲ from 6.04%
  • Sep 25, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Jumbo 5/6 ARM Owner-Occupied 5.375% - 6.154%
Details 1st Adj Rate: 6.625%; 1st Adj Payment: $4,098.17
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.15% APR
5.65%6.15%6.65%Oct 12, 2026: 6.15% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Mortgage - 3/6 ARM Owner-Occupied 5.00% 0.000 6.241%
Details First Adjustment Rate: 6.625%; First Adjustment Payment: $1,265.32
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 6.15% → 6.24% ▲ 0.09 pts · high 6.24% / low 6.15%
5.65%6.20%6.74%Sep 25, 2026: 6.15% APROct 12, 2026: 6.24% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20266.24%▲ from 6.15%
  • Sep 25, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Jumbo 3/6 ARM Owner-Occupied 5.125% - 6.262%
Details 1st Adj Rate: 6.625%; 1st Adj Payment: $4,116.51
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.26% APR
5.76%6.26%6.76%Oct 12, 2026: 6.26% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Jumbo 5/30 Balloon Investor Loan 6.50% 0.000 6.466% 5/30
No additional details.
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.47% APR
5.97%6.47%6.97%Oct 12, 2026: 6.47% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Owner-Occupied 5 Year Fixed 6.00% 0.000 7.168% 5 Year
Details 1st Adj Rate: 7.750%; 1st Adj Payment: $1,510.66
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.17% APR · checked 2 times
6.67%7.17%7.67%Oct 8, 2026: 7.17% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
HELOC Owner-Occupied 7 Year Fixed 6.375% 0.000 7.278% 7 Year
Details 1st Adj Rate: 7.750%; 1st Adj Payment: $1,510.66
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.28% APR · checked 2 times
6.78%7.28%7.78%Oct 8, 2026: 7.28% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
HELOC Owner-Occupied 3 Year Fixed 5.75% 0.000 7.33% 3 Year
Details 1st Adj Rate: 7.750%; 1st Adj Payment: $1,510.66
Last Updated 10/12/2026
Rate History
No change since Oct 8, 2026 · 7.33% APR · checked 2 times
6.83%7.33%7.83%Oct 8, 2026: 7.33% APROct 8, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loan - - 5.99% 60 Months
Details APR* (as low as)
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
New Auto Loan - - 6.25% 72 Months
Details APR* (as low as)
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
New Auto Loan - - 6.50% 78 Months
Details APR* (as low as)
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
New Auto Loan - - 7.75% 84 Months
Details APR* (as low as)
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 5 times
7.25%7.75%8.25%Sep 16, 2026: 7.75% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Credit Card Rates

Product Rate APR View More
Platinum Visa - 7.90%
Details Minimum Credit Limit: $5,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.90% APR · checked 4 times
7.40%7.90%8.40%Sep 16, 2026: 7.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Gold Visa - 9.90%
Details Minimum Credit Limit: $2,000; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Free Additional Benefits: Rental Car Collision Damage, $1,000,000 Travel Accident Insurance, Concierge program, $1,000 ID Theft Protection, Purchase Security & Extended Protection; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 9.90% APR · checked 4 times
9.40%9.90%10.40%Sep 16, 2026: 9.90% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Classic Visa - 15.00%
Details Minimum Credit Limit: $500; Maximum Credit Limit: $20,000; Minimum Payments: The minimum payment for all programs is the greater of $10 or 3.0% of the outstanding balance.; Annual Fee: NO FEE; Grace Period for Purchases: Twenty-five (25) days; Method of Computing the Balance for Purchases: Average daily balance (including new transactions); Late Fee: 5% of the past due amount with a minimum charge of $5, or the amount of the required minimum payment: Not to exceed $25.; Free Additional Benefits: Rental Car Collision Damage & $250,000 Travel Accident Insurance; Over Limit Fee: $20 for each payment period account balance exceeds the credit limit
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 15.00% APR · checked 4 times
14.50%15.00%15.50%Sep 16, 2026: 15.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Personal Loan Rates

Product APR Term View More
Unsecured Loan 7.00% Up to 3 years
Details Term: Up to 3 years (36 mos.); Published APR range: 7.00% to 10.50%. A signature loan based on income and credit history.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 16, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Unsecured Loan 7.50% Up to 5 years
Details Term: Up to 5 years (60 mos.); Published APR range: 7.50% to 12.00%. A signature loan based on income and credit history.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 16, 2026: 7.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Hawaii Community Federal Credit Union Other Rates

Product Rate Points APY/APR Term View More
5/30 Balloon Investor Loan 6.375% 0.000 6.367% 5/30
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
5/30 Balloon Owner-Occupied Loan 5.25% 0.000 5.246% 5/30
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
5/30 Vacant Land Loan 6.00% 0.000 5.993% 5/30
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Coverdell Education Savings Account 2.05% - 2.07%
Min Deposit $5
Min Balance $5
Details Average Daily Balance to Obtain APY Disclosed: $5.00
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 1.36% → 2.07% ▲ 0.71 pts · high 2.07% / low 1.36%
0.65%1.71%2.78%Sep 25, 2026: 1.36% APYOct 4, 2026: 2.07% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20262.07%▲ from 1.36%
  • Sep 25, 20261.36%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Individual Retirement Account 2.05% - 2.07%
Min Deposit $5
Min Balance $5
Details Average Daily Balance to Obtain APY Disclosed: $5.00
Last Updated 10/12/2026
Rate History
1 change since Sep 25, 2026 · 1.36% → 2.07% ▲ 0.71 pts · high 2.07% / low 1.36%
0.65%1.71%2.78%Sep 25, 2026: 1.36% APYOct 4, 2026: 2.07% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20262.07%▲ from 1.36%
  • Sep 25, 20261.36%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Secondary Share Account 0.05% - 0.05%
Details Average Daily Balance to Obtain APY Disclosed:
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%
Student Credit Union Account 0.05% - 0.05%
Min Deposit $5
Min Balance $50
Details Average Daily Balance to Obtain APY Disclosed: $50.00
Last Updated 10/12/2026
Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.63%

Financial Health History

Hawaii Community Federal Credit Union’s Texas Ratio rose from 5.94% in Q3 2023 to 6.63% in Q2 2026, so its financial health has held steady at a healthy level 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.94% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 6.63% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$808M6.63%5.0A
March 31, 2026$805M3.31%5.0A+
December 31, 2025$783M3.70%5.0A+
September 30, 2025$770M3.03%5.0A+
June 30, 2025$767M5.18%5.0A+
March 31, 2025$771M3.24%5.0A+
December 31, 2024$740M4.63%5.0A+
September 30, 2024$727M5.71%5.0A+
June 30, 2024$731M4.70%5.0A+
March 31, 2024$743M3.37%5.0A+
December 31, 2023$736M5.01%5.0A+
September 30, 2023$749M5.94%5.0A+
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 Hawaii Community 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 Community 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 Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hawaii Community Federal Credit Union
Address 73-5611 Olowalu St, Kailua Kona, HI 96740-2689
Phone 800-514-2328
Fax 808-930-7684
President Russell Komo
CEO Tricia Buskirk
Full-Time Employees 120
Part-Time Employees 25
Branch Locations 9
ATM Locations 6
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.63%
Return on Assets (ROA)
0.2589%
Return on Equity (ROE)
2.6819%
Non-Performing Loans Ratio (NPL)
1.32%
Total Assets
808,321,570
Total Amount of Shares and Deposits
737,838,680
Total Shares and Deposits < 1 Year
728,726,806
Total Shares and Deposits 1 3 Years
7,684,305
Total Shares and Deposits > 3 Years
1,427,568
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
57,022,771
Total Uninsured Shares and Deposits > $250K (F+J)
57,022,771
Total Insured Shares and Deposits > $250K (item 17 less item K)
680,815,909
Total Interest Expense (Sum of items 6 8)
4,585,000
Share Certificates
4,048
Number of Accounts for Share Drafts
29,322
IRA KEOGH Accounts
1,495
Number of Accounts for Regular Shares
44,942
All other shares
44
Money Market Shares
983
Net Income (unless the amount is already included in Undivided Earnings)
2,092,947
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)
47,449,801
Total Liabilities
741,105,292
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Hawaii Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About Hawaii Community Federal Credit Union

How many branches does Hawaii Community Federal Credit Union operate?

Hawaii Community 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 Community Federal Credit Union?

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

Does Hawaii Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Hawaii Community 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.hicommfcu.com.

Current Hawaii Community Federal Credit Union Rates

  • Savings0.05%
Retrieved from our database of financial products. Rates subject to change.