Hilo, HI 96720
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Notable Rates APY Vs.Others
Savings N.A. 1.40% →
1-Year CD N.A. 1.10% →
2-Year CD N.A. 1.26% →
5-Year CD N.A. 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Helco is an NCUA insured institution located in Hilo, HI. It was founded in 1938 and has approximately $41.29 millions in assets.

NCUA Insured Yes
Charter Number # # 2705
Date Established 1938
Assets $41.29 million
Loans $18.15 million
Deposits $33.13 million
Capital $8.01 million

Deposit Rates - July 16, 2020

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Helco

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Loan Rates - July 16, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for HELCO

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.950% 2.875% 1.00 $2,428 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to HELCO
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Below are Helco branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Helco Locations

Financial Details

Helco Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Helco. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Helco U.S. Average
1.25% 6.71

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 30, 2020, Helco had $101,475 in non-current loans and $0 in owned assets. To cover these potential losses it had $8,013,176 in net worth and $120,321 in loans loss reserves. That gives it a Texas Ratio of 1.25%.

Net Worth
Helco U.S. Average
19.4% 13.61%

Helco FCU has a net worth of 19.4% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Helco

Branches and Savings

What is Helco?

A federal credit union, registered with the NCUA under certificate #2705.
Learn more about credit unions here.

Is Helco FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Helco?

Please see Field of Membership information above for information on who is eligible to join.

What are Helco's share account and share certificate rates?

Helco's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Helco?

Helco has total capital of $8.01 million. Full information on Helco's financial position is located above.

Who owns Helco?

Credit Unions are owned by their members.

Where are Helco branches located?

See branch locations nearby.

Are Helco ATMs Open 24/7?

Do Helco ATMs accept cash deposits?

Can Helco customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Helco have a mobile app?

Does Helco have mobile deposit?

Does Helco have quick pay?

How can Helco transfer money to other banks or credit unions?

Does Helco report to credit bureaus?

Does Helco use Chexsystems?

Does Helco use Equifax?

What is Helco's toll free phone number?

What is Helco's ACH Routing Number?

What is Helco's SWIFT code?

Where can I find Helco's wire transfer form?

What is the Helco address for deposits?

What Products Does Helco Offer

Does Helco offer mortgages?

Compare mortgage rates here.

Does Helco offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Helco offer auto and RV loans?

Compare auto loan rates here.

Does Helco offer student loans or personal loans?

Compare personal loan rates here.

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