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808-531-3711
832 S Hotel St
Honolulu, HI 96813-2573

Aloha Pacific Federal Credit Union is headquartered in Honolulu and is the 3rd largest credit union in the state of Hawaii. It is also the 302nd largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 139 employees and 41,475 members. Aloha Pacific Federal Credit Union has a A health rating.

Field of Membership Restrictions

To become a member, you must maintain $100 in your savings account and must belong to one of the groups (or common bonds) listed as follows: • Employees of the City and County of Honolulu, State of Hawaii, retired or on leave of absence, included; • Aloha Pacific FCU employees; • Members of their immediate families or household, and organizations of such persons as mentioned above; • Immediate family members of existing credit union members, or as defined in this CU's Membership Chart; and, • SEGS (Select Employee Groups) as approved by the Board of Directors - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Aloha Pacific Federal Credit Union had $165,000 in non-current loans and owned real-estate with $77.88 million in equity and loan loss allowances on hand to cover it. This gives Aloha Pacific Federal Credit Union a Texas Ratio of 0.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Aloha Pacific Federal Credit Union decreased dramatically from 4.86% as of March 31, 2013 to 0.21% as of March 31, 2014, resulting in a positive change of 95.64%.This indicates that the balance sheet and financial strength for Aloha Pacific Federal Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
B

In the past year, Aloha Pacific Federal Credit Union has increased its total deposits by $5 million, resulting in 0.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Aloha Pacific Federal Credit Union has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Aloha Pacific Federal Credit Union has $755.42 million in assets with $77.88 million in equity, resulting in a capitalization level of 10.31%, which is above average.

Institution Statistics

Overall
NCUA #1845
Year Chartered1936
Employees139
Primary Regulator
Assets and Liabilities
Assets$755.42 million
Loans$300.53 million
Deposits$666.66 million
Equity Capital$73.67 million
Loan Loss Allowance$4.21 million
Unbacked Noncurrent Loans$165,000
Real Estate Owned$0
Historic Data - March 2013
Assets$752.47 million
Equity Capital$75.42 million
Loan Loss Allowance$5.63 million
Unbacked Noncurrent Loans$165,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.73%
Return on Equity7.51%
Interest Income$5.08 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Aloha Pacific Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Aloha Pacific Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Traditional IRA Savings
0.50%--Coverdell Educational Savings
0.50%--Roth IRA Savings
0.50%--Rollover IRA Savings
0.20%--Holiday Savings
0.10%$100-Regular Savings
0.10%--Second Savings
0.05%$100-Business Savings

Aloha Pacific Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$50k-Money Market Savings

Aloha Pacific Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.50%-$50kPersonal KalaRewards Checking - Qualifying w/HELOC
0.25%-$50kPersonal KalaRewards Checking - Qualifying w/o HELOC
0.05%--Regular Checking
0.05%--Personal KalaRewards Checking - Non Qualifying

Aloha Pacific Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%$1k-60 Month CD
0.80%$1k-48 Month CD
0.60%$1k-36 Month CD
0.40%$1k-24 Month CD
0.30%$1k-18 Month CD
0.25%$1k-12 Month CD
0.20%$1k-6 Month CD
0.05%$1k-Business 6 Month CD
0.05%$1k-Business 12 Month CD
0.05%$1k-Business 18 Month CD
0.05%$1k-Business 24 Month CD
0.05%$1k-Business 36 Month CD
0.05%$1k-Business 48 Month CD
0.05%$1k-Business 60 Month CD
Locations

Aloha Pacific Federal Credit Union has 11 locations. Click to view all Aloha Pacific Federal Credit Union locations.