Hawaii First

PO Box 446, Kamuela, HI 96743

NCUA Insured3.6 (7 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1956

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 Kamuela, HI may be eligible to join. Community credit unions are open to the general public within their service area.

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 1956

Low-Income Designated

Minority Depository Institution (MDI)

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 446

Kamuela, HI 96743

Google Maps 🗺Waze

(808) 885-7349

Service Area

This credit union is located in Kamuela and serves members in the HI area. Currently serving 6,100 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

9.81%

Used Auto Loan

11.94%

Personal Loan

8.79%

Credit Card APR

10.95%

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 Loan

Hilo, HI

3.00%

Glover— Used Auto Loan

Honolulu, HI

3.54%

Helco— Personal Loan

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(2 total)

Member Reviews

3.6

7 Google reviews

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

View on Google Maps

Jen Caulfield

6 years ago

I love my credit union! I never wait for help. They go above and beyond the call of duty, are all sweet and have true aloha spirit. I think it's great - very progressive and supportive of women - that they let them bring their babies to work. I look forward to going there every time! Oh - they're also knowledgeable and professional.

january H

6 years ago

I find all the young women working at the Kamuela Branch of HFFCU are friendly, always greeting members with a smile and hello. They seem knowledgable, patient, welcoming. I never have long waits, often no wait at all. When I leave I always feel happily satisfied. Thank you for making banking a positive experience. Aloha~january H-W.

Jayne Kerns

6 years ago

I LOVE the Waimea Hawaii First Federal Credit Union! Everyone is so helpful and friendly and takes such good care of us and our business. It is a pleasure to bank at HFFCU!! Mahalo to all who work here, Jayne