--- title: "Helco Credit Union Rates (Nov 2026): CDs to 3.00%, Vehicle 6.00%" description: "Helco Credit Union rates today: vehicle loans from 6.00% APR, savings & CDs up to 3.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Helco Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/helco" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Helco Credit Union Rates (Nov 2026): CDs to 3.00%, Vehicle 6.00% ### Auto & vehicle rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Vehicles up to blue book** auto | 6.000% APR | 6.000% | — | Standard | | **New Boats 100% of Invoice** boat_new | 6.000% APR | 6.000% | new | Standard | | **Used Boats Nada boat appraisal** boat_used_60mo | 7.000% APR | 7.000% | 60 mo · used | Standard | Helco Credit Union auto & vehicle rates as of November 4, 2026 ### Savings & CD rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Shares** savings | 0.15% APY | 0.15% | — | Standard | | **X-Mas Savings** savings | 0.25% APY | 0.25% | — | Standard | | **High Yield** savings | 1.00% APY | 1.00% | — | Standard | | **12-Month Certificate** cd_12mo | 3.00% APY | 3.00% | 12 mo | Standard | Helco Credit Union savings & cd rates as of November 4, 2026 Vehicle loans available from 6% APR. Savings and certificate yields up to 3.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/helco) , verified from [Helco Credit Union's official website](https://www.helcofcu.org/) Loading branch locator… ## About Helco Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.4K Assets $45.4M Founded 1938 Locations reported 1 NCUA charter 2705 Charter type Federal credit union ### Services and member support - Electronic statements Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hawaii County Employees** Main Office · Hilo · HI · 96720 About 9.6 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-county-employees) [**HFS** HILO OFFICE · HILO · HI · 96720-3828 About 10.4 miles away](https://rateapi.dev/credit-unions/hawaii/hfs) [**CU Hawaii** Waiakea HS Student Branch · Hilo · HI · 96720 About 10.6 miles away](https://rateapi.dev/credit-unions/hawaii/cu-hawaii) [**Big Island** Hilo Branch · Hilo · HI · 96720-4144 About 10.6 miles away](https://rateapi.dev/credit-unions/hawaii/big-island) [**Hawaii First** Hilo Branch · Hilo · HI · 96720 About 10.7 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-first) [**Onomea** Onomea FCU · Papaikou · HI · 96781 About 12.5 miles away](https://rateapi.dev/credit-unions/hawaii/onomea) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Helco Credit Union Membership eligibility from Helco Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Helco Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Helco Credit Union's membership page](https://www.helcofcu.org/) . Final membership determination is always made by the credit union. ## Work at Helco Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Helco Credit Union ranks against Hawaii peers. - See which AI assistants fetched Helco Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Hawaii - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=helco&state=hawaii&code=HI&name=Helco%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Helco Credit Union offer? Helco Credit Union currently offers vehicle loan rates. The rates shown on this page were last verified November 4, 2026 directly from the credit union's official website. ### How often are Helco Credit Union rates updated? RateAPI verifies Helco Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 4, 2026. ### Where does RateAPI get Helco Credit Union's rate data? Rate data is collected directly from Helco Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What are Helco Credit Union's auto & boat loan rates? As of November 4, 2026, Helco Credit Union offers vehicle loans from 6% APR. ### What is Helco Credit Union's best CD rate? As of November 4, 2026, Helco Credit Union offers savings and certificate (CD) yields up to 3.00% APY. ### Who can join Helco Credit Union? Helco Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Helco Credit Union's rates against national credit-union benchmarks. [More Hawaii credit unions](https://rateapi.dev/credit-unions/hawaii) [Hawaii auto loan rate leaders](https://rateapi.dev/auto-loan-rates/hawaii) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.helcofcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Helco Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Hawaii credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Helco Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /helco " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Helco Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/hawaii/helco Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp