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Hfs

632 KINOOLE ST, Hilo, HI 96720
NCUA Insured4.9 (531 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1937

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

Location & Directions

Address

632 KINOOLE ST

Hilo, HI 96720

Service Area

This credit union is located in Hilo and serves members in the HI area. Currently serving 55,513 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

5.74%

Used Auto Loan

6.32%

Personal Loan

8.82%

Credit Card APR

12.93%

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).

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

Branches & Locations(6 total)

Member Reviews

4.9

531 Google reviews

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

View on Google Maps
Noelani Gomes

Noelani Gomes

3 months ago

I worked with Gerald for a brand new automobile loan, and the experience was excellent from start to finish. He was professional, responsive, and incredibly efficient throughout the entire process. Gerald worked quickly to get everything approved and made sure my check was ready without any delays. He made what could have been a stressful process feel smooth and easy. I truly appreciate his help and highly recommend working with him.

Just Cars

Just Cars

3 months ago

Raychelle helped us set up a new personal and business account. Every step of the process she was so helpful. Even when we ran into bumps along the way, she was quick to respond and assist us through the process. Very happy to have chosen HFS.

Joyce Kapololu

Joyce Kapololu

4 months ago

Recently I applied for a loan from HFS Federal Credit Union in Hilo through their online system. I found the application process to be simple, quick and clear to understand. After submitting my request online, I was immediately contacted by Melissa (the loan officer) who, through one email exchange, obtained the information the company required to approve my loan. The couple of emails that followed only served to communicate finalizing the technical paperwork and recording details prior to transferring the funds. In all of my years of life (I’m over 70 years of age) I have never experienced such efficient, friendly and complete service as what I received from Melissa (last name excluded for security reasons). My thanks to Melissa and other staff of the HFS Federal Credit Union in Hilo for making this challenging process a pleasure for me. Mahalo!

Dean Baltero

Dean Baltero

4 months ago

My overall experience with Trey was awesome! He was really helpful and walked me through the process on getting a loan, and any questions I had since it was my first time ever applying for a loan. It was really great, any other questions i had was answered very fast and professional all in all a really great experience! Thanks!

Chasen Castro

Chasen Castro

6 months ago

HFS Federal Credit Union takes care of their members with good rates and approval odds. They approved me for a credit card to rebuild my credit when no other companies would approve me. They are willing to understand your situation and accommodate as best as possible. Loan officer Dawn, helped me with my application and gave me my credit card the same day. 10/10 recommended.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).