Credit Unions in Hilo, HI
5 member-owned, NCUA-insured credit unions headquartered in or near Hilo, serving a combined 103,261 members. The largest is Hfs. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Hfs
HILO, HI🇺🇸
56,409 members
Credit Unions & BankingView details →Cu Hawaii
Hilo, HI🇺🇸
29,983 members
Credit Unions & BankingView details →Big Island
HILO, HI🇺🇸
9,555 members
Credit Unions & BankingView details →Hawaii County Employees
Hilo, HI🇺🇸
5,947 members
Credit Unions & BankingView details →Helco
HILO, HI🇺🇸
1,367 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Hilo: they are based in or near Hilo. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Hilo
3 more credit unions headquartered elsewhere have a branch in Hilo, HI. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Hawaiiusa
Honolulu, HI🇺🇸
131,069 members
Credit Unions & BankingView details →Hawaii Community
Kailua Kona, HI🇺🇸
46,242 members
Credit Unions & BankingView details →Hawaii First
Kamuela, HI🇺🇸
6,117 members
Credit Unions & BankingView details →- Hawaiiusa — branch: 375 Kekuanaoa St Hilo, HI 96720
- Hawaii Community — branch: 111 Aupuni St Hilo, HI 96720-4233
- Hawaii First — branch: 1221 Kilauea Ave Suite 160 Hilo, HI 96720
How to join a credit union in Hawaii
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Hilo or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Hilo — common questions
How many credit unions are in Hilo?
5 member-owned, NCUA-insured credit unions are headquartered in or near Hilo, Hawaii, with a combined 103,261 members. The largest is Hfs.
Are these the closest credit unions to me in Hilo?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Hilo, geocoded to the city. The second list adds 3 more credit unions headquartered elsewhere that NCUA shows with a branch in Hilo, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Hilo?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Hawaii accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Hilo?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.