Hawaii Community Federal Credit Union

Overview / Commentary

www.hicommfcu.com

800-514-2328

73-5611 Olowalu St
Kailua Kona, HI 96740-2689

Hawaii Community Federal Credit Union is headquartered in Kailua Kona and is the 8^th largest credit union in the state of Hawaii. It is also the 534^th largest credit union in the nation. It was established in 1936 and as of March of 2019, it had grown to 120 employees and 41,276 members at 5 locations. Hawaii Community Federal Credit Union's CD rates are 44% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school or volunteer on the Island of Hawaii and to family of those eligible.
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Health

Data as of Q1 2019

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Health Grade Components

Overall
NCUA #	1719
Year Chartered	1936
Employees	120
Primary Regulator

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	6.54%
Annual Interest Income	$4.3MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$542.6MM$521.9MM
Loans	Q1 2019vs Q1 2018	$357.3MM$299.3MM
Deposits	Q1 2019vs Q1 2018	$487.6MM$470.8MM
Equity Capital	Q1 2019vs Q1 2018	$52.0MM$48.4MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$2.1MM$1.8MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$1.5MM$535.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Hawaii Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.06%	$5	-	IRA Savings Account
0.65%^*	$100k^*	-	Premium Saver Savings Account
OTHER TIERS: 0.35% → Up to $50k \| 0.45% → $50k - $75k \| 0.55% → $75k - $100k
0.45%^*	$25k^*	-	Money Manager Savings Account
OTHER TIERS: 0.20% → Up to $5k \| 0.25% → $5k - $10k \| 0.35% → $10k - $25k
0.25%	-	-	Construction Loan Share Account
0.20%	$50	-	Share Savings Account
0.20%	$50	-	Club Account
0.20%	-	-	Secondary Share Account
0.20%	$50	-	Youth Savings Account
0.20%	$50	-	Student Credit Union Account

Hawaii Community Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$100k^*	-	Premium Saver Checking Account
OTHER TIERS: 0.35% → Up to $50k \| 0.45% → $50k - $75k \| 0.55% → $75k - $100k
0.45%^*	$25k^*	-	Money Manager Checking Account
OTHER TIERS: 0.20% → Up to $5k \| 0.25% → $5k - $10k \| 0.35% → $10k - $25k
0.40%^*	$10k^*	-	Small Business Checking Account
OTHER TIERS: 0.25% → Up to $5k \| 0.30% → $5k - $10k

Hawaii Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$500	-	60 Month Share Certificate
1.55%	$500	-	48 Month Share Certificate
1.35%	$500	-	36 Month Share Certificate
1.30%	$1k	-	12 Month Share Certificate
1.30%	$500	-	18 Month Share Certificate
1.30%	$500	-	24 Month Share Certificate
0.70%	$1k	-	9 Month Share Certificate
0.50%	$1k	-	6 Month Share Certificate
0.30%	$2k	-	3 Month Share Certificate
0.30%	$200	-	12 Month Budget Share Certificate

Hawaii Community Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%	$500	-	60 Month IRA Share Certificate
1.55%	$500	-	48 Month IRA Share Certificate
1.35%	$500	-	36 Month IRA Share Certificate
1.30%	$500	-	12 Month IRA Share Certificate
1.30%	$500	-	18 Month IRA Share Certificate
1.30%	$500	-	24 Month IRA Share Certificate
0.70%	$500	-	9 Month IRA Share Certificate
0.50%	$500	-	6 Month IRA Share Certificate
0.30%	$500	-	3 Month IRA Share Certificate
0.30%	-	-	Budget 12 Month IRA Share Certificate

Locations

Hawaii Community Federal Credit Union Locations
Branch Office	75-159 Hualalai Rd	Kailua Kona, HI 96740-1742
Branch Office	73-5611 Olowalu St	Kailua Kona, HI 96740-2689
Branch Office	45-690 Pakalana St Ste A	Honokaa, HI 96727-6934
Branch Office	54-396 Union Mill Rd	Kapaau, HI 96755-3001
Branch Office	81-6631 Mamalahoa Hwy	Kealakekua, HI 96750-8130

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