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Hawaii County Employees Federal Credit Union

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Hawaii County Employees Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hawaii County Employees 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: August 29, 2026

Hawaii County Employees Federal Credit Union's Personal Loan Rates are at 4.00%. MonitorBankRates evaluates the financial stability of Hawaii County Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.20%. Rates last updated and verified on 08/29/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.20%

Excellent Lower than avg

Hawaii County Employees Federal Credit Union
Main Office

131 Puuhonu Way
Hilo, HI 96720

https://www.hawaiicountyfcu.com

Hawaii County Employees Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
15/15/15 Loan	-	-	15.00%	15 months
Details Get up to $1,500 at 15% APR for 15 months, plus a $25 processing fee. No credit report required and no debt-to-income review. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

Hawaii County Employees Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loan	-	-	4.00%	Up to 4 Years (48 months)
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
NEW AUTO	-	-	4.50%	Up to 5 Years (60 months)
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Auto Loan	-	-	4.50%	Up to 5 Years (60 months)
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
NEW AUTO	-	-	5.25%	Up to 6 Years (72 months)
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Used Auto Loan	-	-	5.25%	Up to 6 Years (72 months)
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
NEW AUTO	-	-	6.50%	Up to 7 Years (84 months)
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Hawaii County Employees 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 County Employees 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 County Employees Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Hawaii County Employees Federal Credit Union

Website https://www.hawaiicountyfcu.com

Address 131 Puuhonu Way, Hilo, HI 96720

Phone 808-935-2969

Fax 808-933-1996

President Emma Sousa

CEO Laurie Taka

Full-Time Employees 17

Part-Time Employees 0

Branch Locations 1

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+ (99/100)

Texas Ratio

1.20%

Return on Assets (ROA)

1.1232%

Return on Equity (ROE)

7.3018%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

138,502,678

Total Amount of Shares and Deposits

115,581,099

Total Shares and Deposits < 1 Year

112,600,283

Total Shares and Deposits 1 3 Years

2,980,815

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

115,581,099

Total Interest Expense (Sum of items 6 8)

1,276,676

Share Certificates

832

Number of Accounts for Share Drafts

2,680

IRA KEOGH Accounts

330

Number of Accounts for Regular Shares

6,700

Money Market Shares

420

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)

19,248,724

Total Liabilities

117,108,914

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Hawaii County Employees Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Hawaii County Employees Federal Credit Union

How many branches does Hawaii County Employees Federal Credit Union operate?

Hawaii County Employees 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 County Employees Federal Credit Union?

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

Does Hawaii County Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like Hawaii County Employees 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.hawaiicountyfcu.com.