Ko'olau Federal Credit Union (KFCU)

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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.koolaufcu.org

808-254-3566

6699 Mokapu Rd
Kailua, HI 96734

Ko'olau Federal Credit Union (KFCU) is headquartered in KAILUA and is the 25^th largest credit union in the state of Hawaii. It is also the 1,891^st largest credit union in the nation. It was established in 1953 and as of December of 2024, it had grown to 9 employees and 6,553 members at 2 locations. Ko'olau Federal Credit Union (KFCU)'s CD rates are 4X the national average, and it 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+

Data as of Q4 2024

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

Health Grade Components

Overall
NCUA #	8435
Year Chartered	1953
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	0.23%
Return on Equity - YTD	3.04%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$92.8MM$88.5MM
Loans	Q4 2024vs Q4 2023	$56.2MM$54.8MM
Deposits	Q4 2024vs Q4 2023	$84MM$76.4MM
Equity Capital	Q4 2024vs Q4 2023	$6.8MM$6.6MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$381K$398K
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$87K$107K
Real Estate Owned	Q4 2024vs Q4 2023	$0$10K

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 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
Money Market
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.

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

APY	MIN	MAX	ACCOUNT NAME
0.05%	$100	-	Regular Share
0.05%	$100	-	Vacation Account
0.05%	$100	-	Christmas Accounts
0.05%	$100	-	Kids Account

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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.65%^*	$100k^*	-	Money Market Accounts
OTHER TIERS: 1.15% → $2.5k - $25k \| 1.30% → $25k - $50k \| 1.50% → $50k - $100k

Ko'olau Federal Credit Union (KFCU) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$1k	-	6 Month Share Certificate
4.00%	$1k	-	12 Month Share Certificate
3.25%	$1k	-	2 Year Share Certificate
2.10%	$1k	-	5 Year Share Certificate
1.90%	$1k	-	4 Year Share Certificate
1.50%	$1k	-	3 Year Share Certificate

Ko'olau Federal Credit Union (KFCU) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.10%	$500	-	13 Month IRA Certificates
3.10%	$500	-	2 Year IRA Certificate
2.25%	$500	-	5 Year IRA Certificate
1.75%	$500	-	4 Year IRA Certificate
1.65%	$500	-	3 Year IRA Certificate
0.15%	$100	-	IRA Shares

Locations

Ko'olau Federal Credit Union (KFCU) Locations
Branch Office	6699 Mokapu Rd	KAILUA, HI 96734
Branch Office	151 HEKILI ST STE 101	KAILUA, HI 96734

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