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Kahului Credit Union

Overview
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Kahului Credit Union is a federal credit union based in Kahului, Hawaii. It has been opened since 1955, for 65 years.

With around $59,240,000 in assets, Kahului Credit Union is considered to be a large credit union.

About
Address 25 West Kamehameha Avenue
Kahului, Hawaii 96732
Website http://www.kahuluifcu.com
Phone (808) 871-7705
Fax (808) 877-4093
CEO Guy Muraoka
President of the Board Joseph Pontanilla
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
4,407 members
Membership type: Community credit union
Average number of members
315:1
Credit union member to staff ratio
315 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$59,235,254
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 3 in Hawaii
Average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
7.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 3 in Hawaii
Average number of branches
Kahului Credit Union Branch Locations

Kahului Federal Credit Union
25 W. Kamehameha Avenue
Kahului, Hawaii 96732
No ATM
Members
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4,407 members
Membership type: Community credit union
Average number of members

With 4,407 members, the Kahului Credit Union is considered to be a medium size credit union. It is larger than 54% of credit unions.

Fees
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$12
Average fee per member
The average fee per member at the Kahului Credit Union is $12, which is low compared to most credit unions. This rate is lower than 80% 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 Kahului Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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315:1
Credit union member to staff ratio
315 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
14 staff members
FTE (full-time equivalent)
0% of employees are part-time
14 full-time, 0 part-time

Kahului Credit Union has 14 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. Kahului Credit Union has around 315 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$59,235,254
Total assets
Above average
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.
15.3%
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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$7,282
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 76% of credit unions.

Kahului Credit Union holds a total of $21,240,000 in loans and leases, which is about $7,282 per member on average.

Savings interest rate
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0.15%
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. Kahului Credit Union pays 0.15%.

Loan rates
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7.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
10.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.95%
New car loan rate
Compared to 4.0% nationally
2.95%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.62%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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