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Ko`Olau

6699 Mokapu Rd, Kailua, HI 96734
NCUA Insured3.1 (23 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1953

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

Location & Directions

Address

6699 Mokapu Rd

Kailua, HI 96734

Service Area

This credit union is located in Kailua and serves members in the HI area. Currently serving 6,285 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

5.14%

Used Auto Loan

6.21%

Personal Loan

10.42%

Credit Card APR

12.90%

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(4 total)

Member Reviews

3.1

23 Google reviews

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

View on Google Maps
Christine Demello

Christine Demello

9 months ago

Worst banking experience ever. I cannot log into my account via the mobile app. Facial recognition constantly disabled. Try to login using my password- failed. Reset my password- can’t get past the confirmation code. It constantly reads unable to verify account. Total waste of my time.

Sean Brady

Sean Brady

a year ago

I stopped by this branch today to withdraw money from their ATM and had a very 1-Star Experience. This branch charges Excessive ATM Fees of $4.50 for a credit union that promotes community-focused banking. I then went inside the branch to exchange the $20 bill for larger denominations and they would not assist me because I'm not a member. I informed them they just charged me $4.50 to withdraw money and the least they could do was exchange my denominations. They continued to refuse and couldn't provide a clear explanation as to why this is their policy. My experience suggests a broader issue with KFCU's approach to customer service and transparency. Policies that affect both members and non-members should be clearly communicated and consistently applied. The inability of staff to provide a reason for denying a simple service raises questions about internal training and customer service standards.

h20eastoahu

h20eastoahu

2 years ago

This bank has really gone downhill in the past couple years from closing locations, discontinuing being open on Saturday, they even close from 1 o’clock to 2 o’clock at one of their locations so they can take lunch. It is nearly impossible to talk to a teller on the phone. Their telephone/automated service is terrible . Every interaction I have at the bank takes at least 15 to 20 minutes, majority of the time there is only one to two tellers helping customers while having a big line of customers waiting to be helped. The tellers overall are nice but have zero sense of urgency to help the customers. It’s a shame I’ve been with this bank for 20+ years but I’m going to switch to a different credit union in the very near future… Very disappointing

Erin White

Erin White

a year ago

Worst fing bank you could deal with for a car loan. They make everything overly difficult and never answer the damn phone. They threat to charge me 8839 for insurance because my deductible is $1000 instead of $500. Like why the hell do you care what i pay if damn happens to my car. I have full coverage and two gap insurances. GO ELSEWHERE they suck and so does their customer service.

Jose Galeano

Jose Galeano

2 years ago

Truly terrible. Applied for a HELOC that took over a month for a reply. They don’t answer calls or emails. When they did reply they just said I didn’t qualify and didn’t have the decency to walk me through why? No call backs no emails. I am fortunate enough to make over six figures and have a FICO score of over 800 and you’re telling me I don’t qualify for anything? This is the worst banking experience I’ve ever. These people should just shut down instead of wasting peoples time like this. DO BANK HERE.

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).