NCUA Insured
Member-Owned
1 charter
Established in 1937
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Hilo, HI may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1937
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Hilo and serves members in the HI area. Currently serving 55,513 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in HI (NCUA Q4 2025).
Hilo, HI
Honolulu, HI
Hilo, HI
Honolulu, HI
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.9
531 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsNoelani 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
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
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
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
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.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(808) 930-1400Website
Visit WebsiteMembers
55,513
Total Assets
$1.1B
Year Opened
1937
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile