What are the current interest rates at Kahuku Federal Credit Union?

Current rates for Kahuku Federal Credit Union include: 12-Month CD: 1.00%, Savings: 4.06%

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Kahuku Federal Credit Union

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Kahuku Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Kahuku Federal Credit Union?

Yes, to access services at Kahuku 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Kahuku 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: October 12, 2026

Kahuku Federal Credit Union's top rates as of October 12, 2026 are 3.91% APY on its 6-month CD, and 4.06% APY on savings, according to rates verified by MonitorBankRates. Other Kahuku Federal Credit Union CD rates include CD Promotion: 6-month CD at 3.91%, 1-year CD at 1.00%, and 1-year CD at 1.00%. MonitorBankRates evaluates the financial stability of Kahuku Federal Credit Union with a 3.0 Star Rating, an D Overall Health Grade, and a Texas Ratio of 38.81%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade

Weak Health Score: 61/100

MonitorBankRates Rating

3.0

Good Out of 5.0 Stars

Texas Ratio

38.81%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Kahuku Federal Credit Union
Kahuku FCU

56-576 Kamehameha Hwy
Kahuku, HI 96731-2211

https://www.kahukufcu.com

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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.

Kahuku Federal Credit Union CD Rates

Product	Rate	APY	Term
6-month CD	-	3.906%	6-month
Details CD Promotion; Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.91% APY · checked 2 times Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%
CD Promotion: 6-month CD	-	3.906%	6 months
Min Deposit $500 Min Balance $500 Details Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.91% APY Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%
1-year CD	-	1.00%	1 year
Min Deposit $500 Min Balance $500 Details Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 3 times Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%
1-year CD	-	1.00%	1 year
Min Deposit $10,000 Min Balance $10,000 Details Required minimum CD balance to earn stated APY is $10,000. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 3 times Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%
3-month CD	-	0.80%	3 months
Min Deposit $500 Min Balance $500 Details Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%

Kahuku Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club Savings	-	4.06%
Min Balance $100 Details Required minimum share balance to earn stated APY is $100. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.06% APY · checked 2 times Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%
Regular Savings	-	0.75%
Min Balance $100 Details variable; Required minimum share balance to earn stated APY is $100. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 3 times Institution Ratings 3.0 Star Rating D Health Grade ◈ Texas Ratio: 38.81%

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.

Financial Health History

Kahuku Federal Credit Union’s Texas Ratio rose from 32.46% in Q3 2023 to 38.81% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 3.0. 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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$8M	38.81%	3.0	D
March 31, 2026	$8M	34.43%	3.4	D
December 31, 2025	$8M	40.96%	2.8	F
September 30, 2025	$7M	36.05%	3.3	D
June 30, 2025	$7M	44.84%	2.5	F
March 31, 2025	$8M	36.15%	3.2	D
December 31, 2024	$7M	13.15%	5.0	A
September 30, 2024	$7M	26.40%	4.1	C+
June 30, 2024	$7M	21.39%	4.5	B
March 31, 2024	$7M	12.95%	5.0	A
December 31, 2023	$7M	11.47%	5.0	A
September 30, 2023	$7M	32.46%	3.6	D

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 Kahuku 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 Kahuku 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 Kahuku Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Kahuku Federal Credit Union

Website https://www.kahukufcu.com

Address 56-576 Kamehameha Hwy, Kahuku, HI 96731-2211

Phone 808-293-9063

Fax 808-293-7667

President Mary Jean Lindsey

CEO Daniel Keomalu

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.0 / 5.0 ★

Overall Health & Safety Grade

D (61/100)

Texas Ratio

38.81%

Return on Assets (ROA)

-2.1794%

Return on Equity (ROE)

-15.5359%

Non-Performing Loans Ratio (NPL)

9.24%

Total Assets

7,711,263

Total Amount of Shares and Deposits

6,608,949

Total Shares and Deposits < 1 Year

6,608,949

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

132,086

Total Uninsured Shares and Deposits > $250K (F+J)

132,086

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

6,476,863

Total Interest Expense (Sum of items 6 8)

58,353

Share Certificates

Number of Accounts for Share Drafts

274

Number of Accounts for Regular Shares

1,577

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

-168,058

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)

1,585,054

Total Liabilities

6,629,526

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Kahuku Federal Credit Union

How many branches does Kahuku Federal Credit Union operate?

Kahuku 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 Kahuku Federal Credit Union?

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

Does Kahuku Federal Credit Union offer online and mobile banking?

Most modern institutions like Kahuku 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.kahukufcu.com.