HFS Federal Credit Union

Overview / Commentary

808-930-1400

632 Kinoole St
Hilo, HI 96720

HFS Federal Credit Union is headquartered in HILO and is the 5^th largest credit union in the state of Hawaii. It is also the 495^th largest credit union in the nation. It was established in 1937 and as of December of 2021, it had grown to 114 employees and 49,678 members at 6 locations. HFS Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, volunteer, or participate in associations headquartered on the Island of Hawaii.
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Health

Data as of Q4 2021

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Health Grade Components

Overall
NCUA #	1829
Year Chartered	1937
Employees	114
Primary Regulator

Profit Margin
Return on Assets - YTD	0.62%
Return on Equity - YTD	7.34%
Annual Interest Income	$16.9MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$811.4MM$708.2MM
Loans	Q4 2021vs Q4 2020	$239.2MM$211.3MM
Deposits	Q4 2021vs Q4 2020	$739.6MM$641.6MM
Equity Capital	Q4 2021vs Q4 2020	$68.3MM$63.3MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$3.1MM$4.5MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$2.3MM$3.4MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
CD

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

HFS Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	Individual Retirement Account
0.05%	$100	-	Regular Share Account
0.05%	-	-	Special Share Account
0.05%	$100	-	Business Savings Account
0.05%	$100	-	Club Account
0.05%	-	-	Children's Savings

HFS Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$250k^*	-	Money Manager Account
OTHER TIERS: 0.10% → $2.5k - $100k \| 0.20% → $100k - $250k

HFS Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.31%	$2.5k	-	60 Month Share Certificate
1.21%	$2.5k	-	48 Month Share Certificate
1.11%	$2.5k	-	36 Month Share Certificate
0.90%	$2.5k	-	24 Month Share Certificate
0.70%	$2.5k	-	18 Month Share Certificate
0.65%	$2.5k	-	12 Month Share Certificate
0.35%	$2.5k	-	6 Month Share Certificate

Locations

HFS Federal Credit Union Locations
Branch Office	74-5586 PALANI RD STE 5 KONA COAST SHOPPING CENTER	KAILUA KONA, HI 96740
Branch Office	632 KINOOLE ST	HILO, HI 96720-3828
Branch Office	111 E PUAINAKO ST	HILO, HI 96720
Branch Office	16-589 OLD VOLCANO RD	KEAAU, HI 96749-8103
Branch Office	65-1158 MAMALAHOA HWY WAIMEA CENTER SUITE 21	KAMUELA, HI 96743
Branch Office	45-3600 MAMANE ST	HONOKAA, HI 96727-6971

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