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Hawaii First Credit Union

Overview
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Hawaii First Credit Union is a federal credit union based in Kamuela, Hawaii. It has been opened since 1956, for 64 years.

With around $38,620,000 in assets, Hawaii First Credit Union is considered to be an average size credit union. It has 2 branches and 1 ATM locations.

About
Address Po Box 446
Kamuela, Hawaii 96743
Website http://www.hawaiifirstfcu.com
Phone (808) 885-7349
Fax (808) 885-2098
CEO Laura Aguirre
President of the Board Diane Guidry
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
8,233 members
Membership type: Community credit union
Above average number of members
343:1
Credit union member to staff ratio
343 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$38,620,680
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 3 in Hawaii
Above average number of branches
0.08%
Savings interest rate
Compared to 0.3% nationally
10.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 3 in Hawaii
Above average number of branches
Hawaii First Credit Union Branch Locations

Hawaii First Credit Union: Hilo Branch
1221 Kilauea Avenue
Suite 160
Hilo, Hawaii 96720
ATM Available
Hawaii First Credit Union: Kamuela Branch
67-1187 Mamalahoa Highway
Kamuela, Hawaii 96743
No ATM
Members
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8,233 members
Membership type: Community credit union
Above average number of members

With 8,233 members, the Hawaii First Credit Union is considered to be a large credit union. It is larger than 67% of credit unions.

Fees
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$4
Average fee per member
The average fee per member at the Hawaii First Credit Union is $4, which is very low compared to most credit unions. This rate is lower than 88% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Hawaii First Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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343:1
Credit union member to staff ratio
343 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
24 staff members
FTE (full-time equivalent)
0% of employees are part-time
24 full-time, 0 part-time

Hawaii First Credit Union has 24 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Hawaii First Credit Union has around 343 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$38,620,680
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
12.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$16,044
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 83% of credit unions.

Hawaii First Credit Union holds a total of $24,360,000 in loans and leases, which is about $16,044 per member on average.

Savings interest rate
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0.08%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Hawaii First Credit Union pays 0.08%.

Loan rates
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10.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.65%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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8.87%
New car loan rate
Compared to 4.0% nationally
11.37%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.86%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
7.04%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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