--- title: "HFS Credit Union Rates - Hawaii" description: "Current auto loan, personal loan, credit card, and savings & cd rates from HFS Credit Union in Hawaii. Updated daily with source verification. See who can join HFS Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/hfs" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # HFS Credit Union Rates - Hawaii ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan** auto_new | — APR | 6.000% | new | Standard | | **Used Auto Loan** auto_used | — APR | 6.000% | used | Standard | HFS Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 5.750% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 6.000% | — | Standard | HFS Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Annual Percentage Rate (APR) for Purchases and Cash Advances** credit_card | — APR | 12.500% | — | Standard | | **Platinum Credit Card** credit_card_platinum | — APR | 12.500% | — | Standard | HFS Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Certificate** share_certificate | — APY | 4.07% | — | Standard | | **Individual Retirement Accounts (IRAs)** ira | — APY | 4.33% | — | Standard | HFS Credit Union savings & cd rates as of November 13, 2026 HFS Credit Union is a credit union in Hawaii. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/hfs) , verified from [HFS Credit Union's official website](https://hfsfcu.org/) Loading branch locator… ## About HFS Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 56K Assets $1.1B Founded 1937 Locations reported 6 NCUA charter 1829 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships 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) [**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) [**Helco** HELCO FCU · Hilo · HI · 96720 About 10.7 miles away](https://rateapi.dev/credit-unions/hawaii/helco) [**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 HFS Credit Union Membership eligibility from HFS Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on HFS Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [HFS Credit Union's membership page](https://hfsfcu.org/membership-eligibility/) . Final membership determination is always made by the credit union. ## Membership rules for HFS Credit Union Geography 1 county · Family 2 3 published paths to membership, last verified August 21, 2026, quoted from HFS Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Hawaii County, HI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Hawaii County, HI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse “Spouse of persons who died while within the field of membership of this credit union;” > [source ↗](https://hfsfcu.org/membership-eligibility/) - Family member (spouse) of a member - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, household member “Members of their immediate families 1 or households; and organizations of such persons.” > [source ↗](https://hfsfcu.org/membership-eligibility/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for HFS Credit Union? Yes No ## Work at HFS 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 HFS Credit Union ranks against Hawaii peers. - See which AI assistants fetched HFS 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=hfs&state=hawaii&code=HI&name=HFS%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does HFS Credit Union offer? HFS Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are HFS Credit Union rates updated? RateAPI verifies HFS Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get HFS Credit Union's rate data? Rate data is collected directly from HFS Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join HFS Credit Union? HFS Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 1 county for HFS Credit Union, each quoted from HFS Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare HFS 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) [Hawaii personal loan leaders](https://rateapi.dev/personal-loan-rates/hawaii) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://hfsfcu.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 HFS 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 HFS Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /hfs " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## HFS Credit Union locations Search, filter, and browse all 6 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/hfs Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp