Ko'olau Federal Credit Union (KFCU)


Overview / Commentary
808-254-3566
6699 Mokapu Rd
Kailua, HI 96734

Ko'olau Federal Credit Union (KFCU) is headquartered in KAILUA and is the 24th largest credit union in the state of Hawaii. It is also the 1,849th largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 17 employees and 7,351 members at 2 locations. Ko'olau Federal Credit Union (KFCU) has a B+ health rating.

Field of Membership Restrictions

Ko'olau Federal Credit Union is open to those who live, work, attend school or worship in Honolulu County (the island of Oahu). Membership also extends to all personnel of the Marine Corps Base Hawaii, and military, civilian, immediate family and household members.
See current membership details

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Health
B+
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. Ko'olau Federal Credit Union (KFCU) has a relatively low asset base.

Health Grade Components

Overall
NCUA #8435
Year Chartered1953
Employees17
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD5.14%
Annual Interest Income$2.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$79.8MM$82.2MM
LoansQ4 2019vs Q4 2018$39.0MM$38.8MM
DepositsQ4 2019vs Q4 2018$71.4MM$74.6MM
Equity CapitalQ4 2019vs Q4 2018$8.0MM$7.3MM
Loan Loss AllowanceQ4 2019vs Q4 2018$491.00K$572.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$231.00K$262.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ko'olau Federal Credit Union (KFCU) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-IRA Shares
0.05%$100-Regular Share
0.05%$100-Vacation Account
0.05%$100-Keiki Account
0.05%$100-Christmas Accounts

Ko'olau Federal Credit Union (KFCU) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Money Market Accounts
OTHER TIERS: 0.10% $2.5k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

Ko'olau Federal Credit Union (KFCU) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$5k-Checking Accounts

Ko'olau Federal Credit Union (KFCU) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$5k*-5 Year CD
OTHER TIERS: 1.00% $1k - $5k
1.00%*$5k*-4 Year CD
OTHER TIERS: 0.70% $1k - $5k
0.75%*$5k*-3 Year CD
OTHER TIERS: 0.65% $1k - $5k
0.60%*$5k*-2 Year CD
OTHER TIERS: 0.50% $1k - $5k
0.40%*$5k*-1 Year CD
OTHER TIERS: 0.25% $1k - $5k
0.20%*$5k*-6 Month CD
OTHER TIERS: 0.15% $1k - $5k

Ko'olau Federal Credit Union (KFCU) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*$5k*-5 Year IRA
OTHER TIERS: 1.35% $500 - $5k
1.25%*$5k*-4 Year IRA
OTHER TIERS: 1.10% $500 - $5k
1.00%*$5k*-3 Year IRA
OTHER TIERS: 0.85% $500 - $5k
0.80%*$5k*-2 Year IRA
OTHER TIERS: 0.60% $500 - $5k
0.50%*$5k*-13 Month IRA
OTHER TIERS: 0.35% $500 - $5k
Locations


Ko'olau Federal Credit Union (KFCU) Locations
Branch Office6699 Mokapu RdKAILUA, HI 96734
Branch Office151 HEKILI ST STE 101KAILUA, HI 96734

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