Helco Federal Credit Union

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A short history of Helco FCU

Since its inception in 1938 the Helco Federal Credit Union has been serving its members in the Hilo, Hawaii area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Barbara Shozuya, the Helco FCU has grown its membership to over 1,779 with assets of more than $42,168,005. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (808) 238-3500 or email them at helcofcu@helcohi.com to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Hilo, HI.

General Information For Helco FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 2705
Address 1437 Kilauea Ave Ste 105 
City Hilo 
State Hawaii 
Zip-Code 96720
Phone Number (808) 238-3500
Fax Number (808) 238-3220
Email Address: helcofcu@helcohi.com
CEO/President Barbara Shozuya
Members 1,779 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 42,168,005 
Website http://www.helcofcu.org 

Compare Helco Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Hawaii County Employees CU Main Office 131 Puuhonu Way 96720 (808) 935-2969 No 11.39
Hfs CU PRINCE KUHIO PLAZA OFFICE 111 E PUAINAKO ST 96720 (808) 930-1400 No 12.48
Big Island CU Hilo Branch 66 Lono St 96720 (808) 935-9778 No 12.82
Cu Hawaii CU Pahala 96-3208 Maile St 96720 (808) 933-6700 No 13.47
Onomea CU Onomea FCU 27-251 Old Mamalahoa Hwy 96781 (808) 964-1031 No 13.61

Helco Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Helco Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.50 4.00 9.00 3.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 209 203 485 27
Rank Among All Hawaii Credit Unions N/A 15 19 29 3

Helco Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.15 0.25 0.50 1.00 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 108 95 60 174 N/A
Rank Among All Hawaii Credit Unions 3 10 2 8 N/A
Helco Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 5.0003655,401,305
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.500691,532,976
Used Vehicle Loans 4.000841,178,298
Total 1st Mortgage Real Estate Loans/Lines of Credit 9.0006436,276
Total Other Real Estate Loans/Lines of Credit 3.000668,609,734
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.0002011,156,576
TOTAL LOANS & LEASES 79118,315,165

Helco Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 6436,27600
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 668,609,7342428,000
Open-End Fixed Rate 0000
TOTALS 729,046,0102428,000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Helco Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes