Hfs Federal Credit Union


632 Kinoole St
Hilo, HI 96720
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Notable Rates APY Vs.Others
Savings N.A. 6.25% →
1-Year CD N.A. 5.20% →
2-Year CD N.A. 5.10% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Hfs is an NCUA insured institution located in Hilo, HI. It was founded in 1937 and has approximately $849.89 millions in assets.

Hilo, HI
Who can join?

Simply put, HFS Federal Credit Union is open to membership for anyone who lives, works or worships on the Island of Hawaii.
More specifically, membership at HFS FCU is offered to those with the following common bond:
• Persons who live on the Island of Hawaii;
• Persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the Island of Hawaii;
• Persons participating in programs to alleviate poverty or distress which are located on the Island of Hawaii;
• Incorporated and unincorporated organizations located on the Island of Hawaii, or maintaining a facility on the Island of Hawaii;
• Spouse of persons who died while within the field of membership of this credit union;
• Employees of this credit union;
• Members of their immediate families* or households; and organizations of such persons.

* “Immediate family” is defined as spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, and adoptive relationships. (As defined in the HFS Federal Credit Union Bylaws - Article XVIII)

NCUA Insured Yes / Federally Chartered
Charter Number # # 1829
Date Established 1937
Assets $849.89 million
Loans $295.62 million
Deposits $773.63 million
Capital $71.95 million

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.

Deposit Rates - March 25, 2023

Your Current Location: Virginia, VA 20146

We do not yet have rates for Hfs

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Loan Rates - March 25, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Hfs

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Points Fees Monthly
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NMLS ID: Not lender
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Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
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6.740 %
$0 Learn More
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Below are Hfs 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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Climate Initiatives

HFS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Hfs Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hfs. 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
Hfs U.S. Average
2.68% 4.63

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 September 30, 2022, Hfs had $1,950,486 in non-current loans and $65,279 in owned assets. To cover these potential losses it had $71,949,423 in net worth and $3,370,491 in loans loss reserves. That gives it a Texas Ratio of 2.68%.

Net Worth
Hfs U.S. Average
8.47% 12.52%

Hfs FCU has a net worth of 8.47% versus the BestCashCow average of 12.52. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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