6699 Mokapu Rd
Kailua, HI 96734
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Ko`olau is an NCUA insured institution located in Kailua, HI. It was founded in 1953 and has approximately $95.73 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8435
Date Established 1953
Assets $95.73 million
Loans $34.03 million
Deposits $87.05 million
Capital $7.95 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in the area from Makapu’u Point and Chinaman’s Hat and to all personnel of Marine Corps Base Hawaii, both military and civilian and the immediate family of those eligible.

Deposit Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Ko`olau

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Note to Ko`olau
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Loan Rates - July 30, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for KO`OLAU

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 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Morty, Inc.
NMLS ID: 1429243
2.460% 2.375% 0.75 $2,840 $972 Learn More
Rocket Mortgage
NMLS ID: 3030
3.349% 3.250% 0.75 $3,125 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to KO`OLAU
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Below are Ko`olau 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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Ko`olau Locations

Financial Details

Ko`olau Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Ko`olau. 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
Ko`olau U.S. Average
4.17% 4.38

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 31, 2021, Ko`olau had $303,501 in non-current loans and $42,395 in owned assets. To cover these potential losses it had $7,954,709 in net worth and $334,215 in loans loss reserves. That gives it a Texas Ratio of 4.17%.

Net Worth
Ko`olau U.S. Average
8.3% 12.20%

Ko`olau FCU has a net worth of 8.3% versus the BestCashCow average of 12.20. 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 Ko`olau

Branches and Savings

What is Ko`olau?

A federal credit union, registered with the NCUA under certificate #8435.
Learn more about credit unions here.

Is Ko`olau FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Ko`olau is insured by the NCUA.

Who can join Ko`olau?

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

What are Ko`olau's share account and share certificate rates?

Ko`olau'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 Ko`olau?

Ko`olau has total capital of $7.95 million. Full information on Ko`olau's financial position is located above.

Who owns Ko`olau?

Credit Unions are owned by their members.

Where are Ko`olau branches located?

See branch locations nearby.

Are Ko`olau ATMs Open 24/7?

Do Ko`olau ATMs accept cash deposits?

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

Does Ko`olau have a mobile app?

Does Ko`olau have mobile deposit?

Does Ko`olau have quick pay?

How can Ko`olau transfer money to other banks or credit unions?

Does Ko`olau report to credit bureaus?

Does Ko`olau use Chexsystems?

Does Ko`olau use Equifax?

What is Ko`olau's toll free phone number?

What is Ko`olau's ACH Routing Number?

What is Ko`olau's SWIFT code?

Where can I find Ko`olau's wire transfer form?

What is the Ko`olau address for deposits?

What Products Does Ko`olau Offer

Does Ko`olau offer mortgages?

Compare mortgage rates here.

Does Ko`olau offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Ko`olau offer auto and RV loans?

Compare auto loan rates here.

Does Ko`olau offer student loans or personal loans?

Compare personal loan rates here.

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