US Bank Directory
Banks in Kapaa, HI
3 FDIC-insured banks operate 3 offices in Kapaa, Hawaii, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Kapaa
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 6 locations in Kapaa, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 5 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Kapaa
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Bank of Hawaii, First Hawaiian Bank and American Savings Bank have the most locations in Kapaa, with 1 each. 3 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
American Savings Bank Bank · 1
American Savings Bank has 1 branch in Kapaa, 35 across Hawaii and 35 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1987. With $9.05 billion in total assets on June 30, 2026, it ranks No. 180 of 4,232 U.S. banks by total assets. The Kapaa Digital Center Branch at 4-831 Kuhio Hwy dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Kapaa Digital Center Branch4-831 Kuhio Hwy, 96746
Bank of Hawaii Bank · 1
Bank of Hawaii has 1 branch in Kapaa, 47 across Hawaii and 48 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1897. With $23.81 billion in total assets on June 30, 2026, it ranks No. 91 of 4,232 U.S. banks by total assets. The Kapaa Branch at 4-1407 Kuhio Hwy dates to 1920 in FDIC branch records. It opens on Saturday.
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Kapaa Branch4-1407 Kuhio Hwy, 96746
All hours
Mon to Fri 8 am to 4 pm; Sat 9 am to 1 pm; Sun not published
Hours: Bank of Hawaii branch locator (All The Places), checked Oct 10, 2026
First Hawaiian Bank Bank · 1
First Hawaiian Bank has 1 branch in Kapaa, 45 across Hawaii and 45 nationwide. FDIC records list its main office in Honolulu, HI and show it operating since 1858. With $23.65 billion in total assets on June 30, 2026, it ranks No. 92 of 4,232 U.S. banks by total assets. The Kapaa Branch at 4-1366 Kuhio Hwy dates to 1952 in FDIC branch records. Its published hours do not list Saturday.
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Kapaa Branch4-1366 Kuhio Hwy, 96746
All hours
Mon to Fri 8:30 am to 4 pm; Sat to Sun closed
Hours: First Hawaiian Bank branch locator (All The Places), checked Oct 10, 2026
Garden Island Credit Union Credit union · 1
Garden Island Credit Union has 1 office in Kapaa, 3 across Hawaii. It is based in Lihue, HI and $125.7 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Garden Island Fcu - Kapaa Branch4-1105 Kuhio Hwy Ste A2, 96746
All hours
Mon to Thu 8 am to 4:30 pm; Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Gather Credit Union Credit union · 1
Gather Credit Union has 1 office in Kapaa, 7 across Hawaii. It is based in Lihue, HI and $924.0 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Kapaa Branch Office985 Kipuni Way, 96746
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Kauai Credit Union Credit union · 1
Kauai Credit Union has 1 office in Kapaa, 3 across Hawaii. It is based in Lihue, HI and $197.7 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Kalukalu - Branch Kapaa4-1624 Kuhio Hwy, 96746
All hours
Mon to Thu 8:30 am to 4:30 pm; Fri 8:30 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Kapaa
3 credit unions have 3 offices here: Gather Credit Union, Kauai Credit Union and Garden Island Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Kapaa page has every office in the state's directory.
Banking in Kapaa: the local picture
Short answer: 3 banks run 3 branches in Kapaa according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 3 banks, 0 have their main office in Kapaa, 3 elsewhere in Hawaii, according to the FDIC.
The bank with the longest record here is First Hawaiian Bank, operating since 1858 according to the FDIC. In FDIC branch records, the longest-running branch is Bank of Hawaii's office at 4-1407 Kuhio Hwy, dating to 1920; the newest is American Savings Bank's at 4-831 Kuhio Hwy, from 2021.
3 credit unions have 3 offices in Kapaa, according to the NCUA. Who can join each one is on the credit unions page.
Of the 5 locations with published hours. 1 opens on Saturday. 1 location has no published hours in these sources.
Banks open on Saturday in Kapaa
Short answer: 1 of the 5 Kapaa locations with published hours opens on Saturday, run by 1 institution.
- Bank of Hawaii: 1 of 1 branch (4-1407 Kuhio Hwy: Saturday 9 am to 1 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 1 of the 6 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Kapaa, and where the nearest one is if they do not.
Short answer: No branches in Kapaa: Chase, Wells Fargo, Bank of America, PNC Bank, U.S. Bank, Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO.
| Bank | In Kapaa | Nearest branch if none here |
|---|---|---|
| Chase | None | none in Hawaii |
| Wells Fargo | None | none in Hawaii |
| Bank of America | None | none in Hawaii |
| PNC Bank | None | none in Hawaii |
| U.S. Bank | None | none in Hawaii |
| Truist | None | none in Hawaii |
| Fifth Third Bank | None | none in Hawaii |
| Huntington | None | none in Hawaii |
| Regions Bank | None | none in Hawaii |
| TD Bank | None | none in Hawaii |
| BMO | None | none in Hawaii |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Kapaa to the nearest branch in Hawaii.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Kapaa residents like anyone else.
Banks near Kapaa
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Lihue (8 miles) and Princeville (14 miles). Lihue, 8 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Lihue, HI | 8 mi | 6 | 6 |
| Banks in Princeville, HI | 14 mi | 2 | 2 |
| Banks in Haleiwa, HI | 85 mi | 3 | 3 |
| Banks in Waianae, HI | 85 mi | 3 | 3 |
| Banks in Wahiawa, HI | 92 mi | 4 | 4 |
| Banks in Mililani, HI | 94 mi | 5 | 5 |
| Banks in Kapolei, HI | 94 mi | 5 | 5 |
| Banks in Waipahu, HI | 96 mi | 5 | 7 |
Bank branch openings and closings in Kapaa
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Kapaa between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Kapaa by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Kapaa offices.
Short answer: Bank of Hawaii is the largest bank with offices in Kapaa, with $23.81 billion in total assets on June 30, 2026, No. 91 among U.S. banks by total assets. First Hawaiian Bank is second with $23.65 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of Hawaii | $23.81 billion | No. 91 | 1 | Honolulu, HI |
| First Hawaiian Bank | $23.65 billion | No. 92 | 1 | Honolulu, HI |
| American Savings Bank | $9.05 billion | No. 180 | 1 | Honolulu, HI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Kapaa: FAQ
How many banks are in Kapaa, HI?
Kapaa has 3 banks with 3 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Kapaa?
Bank of Hawaii, with 1. First Hawaiian Bank has 1 and American Savings Bank has 1.
Is there a Bank of Hawaii in Kapaa, HI?
Yes. FDIC data lists 1 Bank of Hawaii branch in Kapaa as of September 5, 2026. The address and directions are under Bank of Hawaii above.
Is there a First Hawaiian Bank in Kapaa, HI?
Yes. FDIC data lists 1 First Hawaiian Bank branch in Kapaa as of September 5, 2026. The address and directions are under First Hawaiian Bank above.
Is there a American Savings Bank in Kapaa, HI?
Yes. FDIC data lists 1 American Savings Bank branch in Kapaa as of September 5, 2026. The address and directions are under American Savings Bank above.
Which banks in Kapaa are open on Saturday?
Bank of Hawaii publishes Saturday hours for one or more Kapaa locations. The Saturday section above lists each one with its hours. 1 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
What is the oldest bank in Kapaa?
First Hawaiian Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1858.
Which credit unions can I join in Kapaa?
Gather Credit Union, Kauai Credit Union and Garden Island Credit Union have offices in Kapaa. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Kapaa in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Kapaa?
Nearby cities with more banks include Lihue, Princeville, Haleiwa. Lihue is 8 miles away with 6 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (2 of 3 branches: Bank of Hawaii, First Hawaiian Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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