HELCO Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.helcofcu.org

808-238-3500

1437 Kilauea Ave Ste 105
Hilo, HI 96720

HELCO Federal Credit Union is headquartered in Hilo and is the 32^nd largest credit union in the state of Hawaii. It is also the 2,548^th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 4 employees and 1,381 members at 1 location. HELCO Federal Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. HELCO Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	2705
Year Chartered	1938
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.1%
Return on Equity - YTD	-0.49%
Annual Interest Income	$368K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$43.8MM$43.1MM
Loans	Q1 2025vs Q1 2024	$20.6MM$20.2MM
Deposits	Q1 2025vs Q1 2024	$35MM$34.3MM
Equity Capital	Q1 2025vs Q1 2024	$8.7MM$8.7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$30K$147K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$32K$673K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD

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HELCO Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$0	-	High Yield Saving
0.25%	$0	-	X-Mas Savings
0.15%	$0	-	Shares Saving

HELCO Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.50%	$0	-	1 Year Certificate

Locations

HELCO Federal Credit Union Locations
Branch Office	1437 Kilauea Ave Ste 105	Hilo, HI 96720

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