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

Current rates for Kahului Federal Credit Union include: 18-Month CD: 3.00%, Savings: 0.15%

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Kahului Federal Credit Union

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Kahului Federal Credit Union Rates & Review August 2026

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

Yes, to access services at Kahului 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, Kahului 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 28, 2026

Kahului Federal Credit Union's 6 month rates are at 3.75%, 18 month CD rates are at 3.00%. Kahului Federal Credit Union's savings rates are at 0.15%. MonitorBankRates evaluates the financial stability of Kahului Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates last updated and verified on 08/28/2026.

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

Ranked #58 Healthiest Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

Kahului Federal Credit Union
Kahului FCU

25 W Kamehameha Ave
Kahului, HI 96732 2240

https://www.kahuluifcu.com

Kahului Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month	-	3.75%	6 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
18 month Share Certificate	2.96%	3.00%	18 months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Kahului Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Savings Account	-	0.15%
Min Deposit $5 Details Save for the holiday season and earn a high rate of return on your funds! New accounts may be opened throughout the year, however, to receive the dividend all funds must be maintained in the account until the annual distribution on November 1st. On November 1st of each year, the balance in your Christmas Savings Account will be automatically transferred to your Regular Share Account. The Annual Percentage Yield (APY) may change after the account is opened. The APY is effective as of 9/1/2025 and may change without notice. Fees may reduce earnings. Contact us to receive the Truth in Savings Disclosure. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Regular Share Account	-	0.05%
Min Deposit $10 Details The Annual Percentage Yield (APY) may change after the account is opened. The APY is effective as of 9/1/2025 and may change without notice. Fees may reduce earnings. Contact us to receive the Truth in Savings Disclosure. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Kahului Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	-	0.03%
Details Use this account to manage your finances. Access your funds by writing checks, by using our convenient VISA® debit card, or via our Virtual Branch service. This account earns dividends, which are credited monthly, so your funds work for you while they are sitting in your account. Overdraft protection is available from your regular shares or a line of credit (subject to credit approval) or both! As an added benefit, get free drafts (checks) when you have direct deposit coming to your credit union account! Need to reorder checks? Visit Harland Clarke's check ordering website www.OrderMyChecks.com Routing Number = 3213-7971-1 When self-ordering your free checks, please remember to choose: CHECK TYPE: Liberty Image SHIPPING TYPE: Bulk Mail (HI) You may choose other CHECK TYPES and SHIPPING at your own expense. The Annual Percentage Yield (APY) may change after the account is opened. The APY is effective as of 9/1/2025 and may change without notice. Fees may reduce earnings. Contact us to receive the Truth in Savings Disclosure. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Kahului Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC Owner/Occupant	-	-	6.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
HELOC Investor	-	-	9.00%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Kahului Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA® Classic	-	7.99%
Details Contact us for the Visa Credit Card Disclosure Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

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

Credit Union Profile & Overview

Credit Union Name Kahului Federal Credit Union

Website https://www.kahuluifcu.com

Address 25 W Kamehameha Ave, Kahului, HI 96732 2240

Phone 808-871-7705

Fax 808-877-4093

President Bruce Harris

CEO Guy Muraoka

Full-Time Employees 12

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+ (100/100)

Texas Ratio

0.22%

Return on Assets (ROA)

0.3383%

Return on Equity (ROE)

2.4494%

Non-Performing Loans Ratio (NPL)

0.09%

Total Assets

78,008,233

Total Amount of Shares and Deposits

67,035,010

Total Shares and Deposits < 1 Year

65,041,940

Total Shares and Deposits 1 3 Years

1,511,372

Total Shares and Deposits > 3 Years

481,698

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

5,207,038

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

5,207,038

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

61,827,972

Total Interest Expense (Sum of items 6 8)

911,710

Share Certificates

827

Number of Accounts for Share Drafts

1,131

Number of Accounts for Regular Shares

3,621

All other shares

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

263,935

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)

5,158,196

Total Liabilities

67,307,606

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Kahului Federal Credit Union earned the Top 100 Healthiest 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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       alt="Ranked #58 in MonitorBankRates Top 100 Healthiest Small Credit Unions 2026"
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Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions 2026 ranking.

Customer Reviews

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Frequently Asked Questions About Kahului Federal Credit Union

How many branches does Kahului Federal Credit Union operate?

Kahului 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 Kahului Federal Credit Union?

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

Does Kahului Federal Credit Union offer online and mobile banking?

Most modern institutions like Kahului 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.kahuluifcu.com.