OTS Employees Federal Credit Union

Popular Accounts at this Credit Union

0.25%Reward CheckingKalaRewards Checking w/o HELOC
1.35%5-year CD60 Month CD
0.80%1-year CD12 Month CD

Overview / Commentary
811 Middle Street
Honolulu, HI 96819

OTS Employees Federal Credit Union is headquartered in Honolulu and is the 51st largest credit union in the state of Hawaii. It is also the 4,108th largest credit union in the nation. It was established in 1937 and as of March of 2018, it had grown to 1 employees and 1,980 members at 1 location. OTS Employees Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees and retirees of Oahu Transit Services.
See current membership details


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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. OTS Employees Federal Credit Union has a low asset base.

Health Grade Components

NCUA #1868
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD2.86%
Annual Interest Income$209.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$10.2MM$13.1MM
LoansQ1 2018vs Q1 2017$8.5MM$9.9MM
DepositsQ1 2018vs Q1 2017$8.7MM$11.0MM
Equity CapitalQ1 2018vs Q1 2017$1.1MM$1.9MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.2MM$725.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$400.00K$852.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OTS Employees Federal Credit Union Savings Account Rates

0.50%$500-IRA Share
0.50%$10-CESA Share
0.25%$10-Holiday Savings
0.10%$50-Regular Share
0.10%$10-Second Savings

OTS Employees Federal Credit Union Money Market Rates

0.35%*$100k*-Money Market Savings
OTHER TIERS: 0.25% $50k - $100k

OTS Employees Federal Credit Union Checking Account Rates

0.50%*-$50kKalaRewards Checking w/ HELOC
OTHER TIERS: 0.05% $50k+
0.25%*-$50kKalaRewards Checking w/o HELOC
OTHER TIERS: 0.05% $50k+
0.05%--Share Drafts (Checking) Account

OTS Employees Federal Credit Union CD Rates

1.35%$1k-60 Month CD
1.20%$1k-48 Month CD
1.10%$1k-36 Month CD
0.90%$1k-24 Month CD
0.80%$1k-12 Month CD
0.80%$1k-18 Month CD
0.70%$1k-6 Month CD

OTS Employees Federal Credit Union Locations
Branch Office811 Middle StHonolulu, HI 96819

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