☰

Home›
Credit Unions›
University of Hawaii Federal Credit Union

iAdvertiser Disclosure

University of Hawaii Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, University of Hawaii 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

University of Hawaii Federal Credit Union's Personal Loan Rates are at 7.49%. MonitorBankRates evaluates the financial stability of University of Hawaii Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.20%. Rates last updated and verified on 08/29/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.20%

Excellent Lower than avg

University of Hawaii Federal Credit Union
McCully Branch

2019 S King St
Honolulu, HI 96826

https://www.uhfcu.com

University of Hawaii Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1 Mortgage	5.25%	2.00	5.62%	15 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
1 Mortgage	5.50%	2.00	5.74%	15/15 ARM
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
1 Mortgage	5.63%	2.00	5.93%	20 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
1 Mortgage	5.75%	2.00	5.98%	30 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
1 Mortgage	-	2.00	6.06%	5/5 ARM
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
1 Mortgage	-	2.00	6.36%	5/1 ARM
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

University of Hawaii Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	5.25%	24 months
Details Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Home Equity Line of Credit	-	-	5.50%	36 months
Details Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Home Equity Line of Credit	-	-	5.75%	60 months
Details Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Home Equity Investor Heloc (HELOC)	-	-	6.75%	15 Years
Details Up to 70 loan-to-value, non-owner occupied Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Home Equity (HELOC)	5.25%	-	7.25%	25 Years
Details Up to 80 loan-to-value, owner-occupied Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Home Equity Line of Credit	-	-	7.25%	15-year repayment
Details Discounted Introductory Fixed Rates of 5.25%, 5.50%, and 5.75% APR are available (respectively) for 24 months, 36 months, or 60 months from account opening of a new UHFCU home equity line of credit, for approved applications received between 7/20/2026 - 12/31/2026 and funded by 1/31/2027. Minimum initial draw of $25,000.00 required. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee). Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

University of Hawaii Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto/Truck	-	-	4.75%	36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
New Auto/Truck	-	-	5.00%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
New Auto/Truck	-	-	5.25%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Used Auto/Truck	-	-	5.50%	36 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Used Auto/Truck	-	-	5.75%	48 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
New Auto/Truck	-	-	6.00%	72 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Used Auto/Truck	-	-	6.00%	60 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Used Auto/Truck	-	-	6.75%	72 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
New Auto/Truck	-	-	7.00%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Used Auto/Truck	-	-	7.75%	84 months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

University of Hawaii Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA® Platinum Plus	-	9.99%
Details Fixed Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
VISA® Cash Wave	-	15.99%
Details Regular APR: 17.49% or 18.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
VISA® Cash Wave	-	17.49%
Details Variable; Regular APR: 15.99% or 18.00% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
VISA® Cash Wave	-	18.00%
Details Variable; Regular APR: 15.99% or 17.49% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

University of Hawaii Federal Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loan	-	7.49%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Personal Loan	-	9.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Personal Loan	-	9.74%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

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 University of Hawaii 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 University of Hawaii 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 University of Hawaii Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name University of Hawaii Federal Credit Union

Website https://www.uhfcu.com

Address 2019 S King St, Honolulu, HI 96826

Phone 808-983-5500

Fax 808-983-5544

President Edward Yuen

CEO Travis Bow

Full-Time Employees 74

Part-Time Employees 2

Branch Locations 4

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

2.20%

Return on Assets (ROA)

0.6065%

Return on Equity (ROE)

5.6584%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

930,570,881

Total Amount of Shares and Deposits

854,162,542

Total Shares and Deposits < 1 Year

836,220,005

Total Shares and Deposits 1 3 Years

15,410,619

Total Shares and Deposits > 3 Years

2,531,920

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

83,579,916

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

83,579,916

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

770,582,626

Total Interest Expense (Sum of items 6 8)

12,888,321

Share Certificates

11,419

Number of Accounts for Share Drafts

21,641

IRA KEOGH Accounts

3,085

Number of Accounts for Regular Shares

32,738

Money Market Shares

6,357

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)

54,922,027

Total Liabilities

860,067,733

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for University of Hawaii Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for University of Hawaii Federal Credit Union

Frequently Asked Questions About University of Hawaii Federal Credit Union

How many branches does University of Hawaii Federal Credit Union operate?

University of Hawaii 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 University of Hawaii Federal Credit Union?

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

Does University of Hawaii Federal Credit Union offer online and mobile banking?

Most modern institutions like University of Hawaii 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.uhfcu.com.