Helco

1437 KILAUEA AVE STE 105, Hilo, HI 96720

NCUA Insured2.7 (3 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Membership is limited to members of a specific organization, church, union, or association. Contact the credit union to find out which groups qualify.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

1437 KILAUEA AVE STE 105

Hilo, HI 96720

Google Maps 🗺Waze

(808) 238-3500

Service Area

This credit union is located in Hilo and serves members in the HI area. Currently serving 1,371 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

3.00%

Used Auto Loan

4.00%

Personal Loan

5.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in HI

Lowest rates currently reported by credit unions in HI (NCUA Q4 2025).

Helco— New Auto LoanThis CU

Hilo, HI

3.00%

Glover— Used Auto Loan

Honolulu, HI

3.54%

Helco— Personal LoanThis CU

Hilo, HI

5.00%

Hawaii Law Enforcement— Credit Card APR

Honolulu, HI

7.46%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

2.7

3 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Cazdin Robertson

4 months ago

Transactions are fast. All the staff are friendly, good listeners and knowledgeable, the company site is very intuitive. Mostly good with locals and employees (and their families) of the Helco electric company. And it's close by so I can walk there down the road. I'm happy to have an account here.

Fallon Legaspi

8 years ago

Absolutely agree with the other review about your ridiculous website. I am having the exact same issues, and have NEVER really been able to conveniently check my bank info online through your website since I opened an account with HFS over 3 years ago!! I always have to call, go to an ATM, or go in to check balances and get info which is annoying. Get it together, fix your website, it's 2018!

Theresa Aten

8 years ago

Please Please Please. Update your website. It is the most frustrating way to try and pay my bills. It won't let me change my password and it claims that my correct email does not exist in the records. I have to keep on signing in my username and password many times before it allows me to log in. I use the website because it is convenient and that's how I pay all my bills. But yours is the worst so far. Please update everything and make it better.