Home
Contents
Explore
Search

Wailuku Credit Union

Overview
Back to Top

Wailuku Credit Union is a federal credit union based in Kahului, Hawaii. It has been opened since 1954, for 66 years.

With around $56,010,000 in assets, Wailuku Credit Union is considered to be an average size credit union. It has 1 branches and 1 ATM locations.

About
Address 133 Maa Street
Kahului, Hawaii 96732
Website http://www.wailukufcu.com
Phone (808) 244-7981
Fax (808) 242-1507
CEO Craig N. Kinoshita
President of the Board Todd Hondo
Services Offered
Map
Back to Top
Score Card
Back to Top
66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
4,549 members
Membership type: Community credit union
Average number of members
414:1
Credit union member to staff ratio
414 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$56,012,359
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 3 in Hawaii
Average number of branches
0.25%
Savings interest rate
Compared to 0.3% nationally
Branches
Back to Top
1 branch
Compared with an average of 4 nationally and 3 in Hawaii
Average number of branches
Wailuku Credit Union Branch Locations

Wailuku Federal Credit Union
133 Maa Street
Kahului, Hawaii 96732
ATM Available
Members
Back to Top
4,549 members
Membership type: Community credit union
Average number of members

With 4,549 members, the Wailuku Credit Union is considered to be a medium size credit union. It is larger than 55% of credit unions.

Fees
Back to Top
$75
Average fee per member
The average fee per member at the Wailuku Credit Union is $75, which is high compared to most credit unions. This rate is higher than 71% of all credit unions.
Fees are higher 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 Wailuku Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
414:1
Credit union member to staff ratio
414 per each FTE employee
Compared to 411:1 nationally
Fewer staff
11 staff members
FTE (full-time equivalent)
0% of employees are part-time
11 full-time, 0 part-time

Wailuku Credit Union has 11 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. Wailuku Credit Union has around 414 members per staff, a higher ratio compared to other credit unions.

Assets
Back to Top
$56,012,359
Total assets
Average size
Net worth
Back to Top
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.
15.2%
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
Back to Top
$32,521
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 98% of credit unions.

Wailuku Credit Union holds a total of $43,510,000 in loans and leases, which is about $32,521 per member on average.

Savings interest rate
Back to Top
0.25%
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. Wailuku Credit Union pays 0.25%.

Loan rates
Back to Top
7.39%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.98%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
4.46%
New car loan rate
Compared to 4.0% nationally
6.97%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
6.15%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.80%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
Plumbers & Fitters Local 675 Credit Union
Location
Honolulu, Hawaii
Members
785
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Hamakua Credit Union
Location
Pepeekeo, Hawaii
Members
1625
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
13.90%
Read More
Hawaii Law Enforcement Credit Union
Location
Honolulu, Hawaii
Members
14,481
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
7.62%
Read More
Helco Credit Union
Location
Hilo, Hawaii
Members
1548
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
St. Francis Medical Center Credit Union
Location
Honolulu, Hawaii
Members
1144
Assets
Net Worth Classification
Well Capitalized
Average Fee
Read More
Honolulu Credit Union
Location
Honolulu, Hawaii
Members
16,089
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
9.75%
Read More