At a glance
From its website, read 2 Nov 2026Molokai Community Federal Credit Union is a credit union based in Kaunakakai, Hawaii. Its website describes auto loans, energy-efficiency loans, home mortgages and 1 other loan type. Stated loan amounts run up to $50,000. Where it lends: Island of Molokai, Hawaii: people who live, work, worship or attend school there, and local businesses. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (808) 553-5328 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.molokaicommunityfcu.com |
| Office (official list) | 135 Puali Place, Kaunakakai, HI 96748 |
What their website says about applying
Contact one of our loan officers at
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | *As low as 3.49*% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | *As low as 3.99% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | *As low as 5.49% | source |
| Loans (general) | Rate stated, not as an APR: see their wording | *As low as 7.99% | source |
| Loans (general) | Term: see their wording | Unsecured Home Advance Loans are granted up to 6 years for repayment. | source |
| Auto / vehicle loans | Term: see their wording | New car loans are granted for up to 6 years with or without a down payment | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership is open to persons who:
source - Collateral flexible or not always required
Members have the option of using their shares as collateral.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 29 Jul 2026 |
| RSSD ID | 621487 |
| Address | 135 Puali Place, Kaunakakai, HI 96748 Directions (Google Maps) |
| Website | www.molokaicommunityfcu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Several pages show a San Diego, CA address and sdffcu contact details that conflict with the Molokai membership, and the loan table's minimum and maximum amounts cannot be matched to specific loan types. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $50,000 | Used car loans are made for the most recent model year and the last 4 previous years. Loans are granted for up to 6 years with the maximum amount of 100% of the Kelly Blue Book retail or appraised value up to $50,000.00. | source |
| Energy / solar / efficiency loans | — | Solar Loans | source |
| Home mortgages | — | Apply for a Mortgage | source |
| Personal / consumer loans | — | Unsecured Signature Loan | source |
Loan sizes
The maximum borrowing amount is set at $20,000.00.
sourceLoans are granted for up to 6 years with the maximum amount of 100% of the Kelly Blue Book retail or appraised value up to $50,000.00.
source
Range used for the size filter: not stated to $50,000
Service area
Island of Molokai, Hawaii: people who live, work, worship or attend school there, and local businesses
Live, work, worship, or attend school in, and businesses located and other legal entities on the Island of Molokai, Hawaii
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply for a Personal Loan
source
Pages read (7)
- https://www.molokaicommunityfcu.com/
- https://www.molokaicommunityfcu.com/loans
- https://www.molokaicommunityfcu.com/home
- https://www.molokaicommunityfcu.com/calculators
- https://www.molokaicommunityfcu.com/online-services
- https://www.molokaicommunityfcu.com/savings-checking-accounts
- https://www.molokaicommunityfcu.com/join-today
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum loan amount?
Their website gives a maximum ($50,000) but no minimum. - What is the APR, including fees, on your auto loans and energy-efficiency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.6 million in 7 awards from the U.S. Treasury's CDFI Fund, 2003–2022 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2021 | CDFI Rapid Response Program | $1,278,385 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $550,000 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $375,900 |
| 2009 | Native American CDFI Assistance (NACA), Financial Assistance | $470,000 |
| 2006 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $380,000 |
| 2003 | Native American CDFI Assistance (NACA), Technical Assistance | $29,930 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as MOLOKAI COMMUNITY (charter 7471). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $38.3 million (as of 30 Jun 2026) |
|---|---|
| Members | 4,282 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Hawaii (2 offices)
- Maui County (2): 135 Puali Place, Kaunakakai 96748 (main office); 69-L Puupeelua Ave, Hoolehua 96729
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Molokai Community Federal Credit Union (NCUA charter 7471, filed as “MOLOKAI COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $14.8 million, 1,536 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 6.6% from $15.9 million on 30 Jun 2025 |
| Members | 4,282 (as of 30 Jun 2026); 4,367 (as of 30 Jun 2025) |
| Loans per member | $3,467 (total loans divided by members, 30 Jun 2026) |
| Total assets | $38.3 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $914,398 | 6.2% |
| Used vehicle loans | $1.6 million | 10.8% |
| First-lien home mortgages (1-4 family) | $7.4 million | 50.0% |
| Other real estate loans (junior liens, other) | $524,383 | 3.5% |
| Other unsecured loans | $3.6 million | 24.4% |
| Leases and other secured loans | $755,820 | 5.1% |
None reported on the 30 Jun 2026 report: commercial (business) loans; credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $50,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 23% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $38.3 million | Larger than 19% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 39% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $15.9 million → $14.8 million (-7%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 235 → 237. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 23% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 19% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 235 → 237 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Kaunakakai and Hawaii
- Council for Native Hawaiian AdvancementLoan fund · Kapolei, HI · Native CDFISmall-dollar / emergency loans, Energy / solar / efficiency loans, Microloans, Small-business loansVerified
- HAWAII FIRST FCUCredit union · Kamuela, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- HHOC MortgageLoan fund · Honolulu, HIHome mortgagesVerified
- Hawaii Central Federal Credit UnionCredit union · Honolulu, HI · Native CDFIAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Hawaii Community Reinvestment CorporationLoan fund · Honolulu, HICommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
- Hawaii Federal Credit UnionCredit union · Honolulu, HIAuto / vehicle loans, Personal / consumer loansVerified
Work at Molokai Community Federal Credit Union? Link to this page
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