What are the current interest rates at HOCU Honolulu Federal Credit Union?

Current rates for HOCU Honolulu Federal Credit Union include: 12-Month CD: 0.15%, 18-Month CD: 1.00%, 24-Month CD: 1.10%

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HOCU Honolulu Federal Credit Union

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HOCU Honolulu Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HOCU Honolulu Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

HOCU Honolulu Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its 90th Anniversary CD Special - 9 month, and auto loans from 4.25% APR, according to rates verified by MonitorBankRates. Other HOCU Honolulu Federal Credit Union CD rates include 90th Anniversary CD Special - 12 month at 3.45%, CD - 3 years at 1.20%, and CD - 2 years at 1.10%. MonitorBankRates evaluates the financial stability of HOCU Honolulu Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.57%. Rates last updated and verified on 10/12/2026.

HOCU Honolulu Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at HOCU Honolulu Federal Credit Union? Share your experience about HOCU Honolulu Federal Credit Union by leaving a review below, or read customer reviews before you decide to use HOCU Honolulu Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.57%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

HOCU Honolulu Federal Credit Union
Moiliili Branch

2305 S Beretania St
Honolulu, HI 96826

https://www.myhocu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

HOCU Honolulu Federal Credit Union CD Rates

Product	Rate	APY	Term
90th Anniversary Certificate Special - 9 month	-	4.50%	9 months
Min Balance $500 Details 90th Anniversary Certificate Special; deposits need to be from another financial institution; paid Monthly; early withdrawal penalty; 0.05% age 55+ bonus does not apply to this special Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
90th Anniversary Certificate Special - 12 month	-	3.45%	12 months
Min Balance $500 Details 90th Anniversary Certificate Special; deposits need to be from another financial institution; paid Monthly; early withdrawal penalty; 0.05% age 55+ bonus does not apply to this special Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Certificate - 3 years	-	1.20%	3 years
Min Balance $500 Details Paid Monthly; early withdrawal penalty; For members age 55+, add 0.05% to all certificate rates Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Certificate - 2 years	-	1.10%	2 years
Min Balance $500 Details Paid Monthly; early withdrawal penalty; For members age 55+, add 0.05% to all certificate rates Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Certificate - 18 month	-	1.00%	18 months
Min Balance $500 Details Paid Monthly; early withdrawal penalty; For members age 55+, add 0.05% to all certificate rates Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Super Certificate - 1 year	-	0.15%	1 years
Min Balance $500 Details Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal.; Paid Monthly; Rate update: June 1, 2022 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

HOCU Honolulu Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	-	0.35%
Min Balance $10,000 Details Balance: $10,000+; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Holiday Club	-	0.30%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Holiday Club	-	0.20%
Min Balance $5 Details Balance: $5 - $1,999.99; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

HOCU Honolulu Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (Owner Occupied) - Variable	-	-	7.25%	18/30 years
Details As Low As; Max Loan: $350,000; Draw Period: 8 yr; Rate Update: October 1, 2026; Variable rate currently 7.25%. As high as 80% loan to value. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Line of Credit (Rental/Investor Property) - 1st Lien	-	-	7.75%	18/30 years
Details As Low As; Max Loan: $350,000; Draw Period: 8 yr; Variable APR; Rate Update: October 1, 2026; As high as 70% loan to value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Line of Credit (Rental/Investor Property) - 2nd Lien	-	-	8.00%	18 years
Details As Low As; Max Loan: $250,000; Draw Period: 8 yr; Variable APR; Rate Update: October 1, 2026; As high as 70% loan to value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Line of Credit (Owner Occupied Over 80%)	-	-	8.25%	18/30 years
Details As Low As; Max Loan: $200,000; Draw Period: 8 yr; Between 80.01% - 90% LTV; Variable rate; Rate Update: October 1, 2026; Up to 90% LTV, minimum credit score 660 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Home Equity Line of Credit (Owner Occupied Over 80%)	-	-	9.25%	18/30 years
Details As Low As; Max Loan: $150,000; Draw Period: 8 yr; Between 90.01% - 100% LTV; Variable rate; Rate Update: October 1, 2026; Up to 100% LTV, minimum credit score 720 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

HOCU Honolulu Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loan	-	-	4.25%	3 years
Details Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25% Oct 12, 20264.25%▼ from 4.75% Sep 16, 20264.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Green New Car Loan - 5 yr	-	-	4.50%	5 years
Details As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Car Loan	-	-	4.50%	4 years
Details Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.00% → 4.50% ▼ 0.50 pts · high 5.00% / low 4.50% Oct 12, 20264.50%▼ from 5.00% Sep 16, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Green New Car Loan - 6 yr	-	-	4.75%	6 years
Details As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Car Loan	-	-	4.75%	5 years
Details Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.25% → 4.75% ▼ 0.50 pts · high 5.25% / low 4.75% Oct 12, 20264.75%▼ from 5.25% Sep 16, 20265.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Car Loan	-	-	4.75%	3 years
Details Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Car Loan	-	-	5.00%	6 years
Details Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 5.00% Oct 12, 20265.00%▼ from 6.00% Sep 16, 20266.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Car Loan	-	-	5.00%	4 years
Details Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Car Loan	-	-	5.25%	5 years
Details Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Green New Car Loan - 7 yr	-	-	6.00%	7 years
Details As Low As; Max Loan: No Maximum; Rate Update: January 1, 2026; New car must be an electric or hybrid vehicle powered by alternative fuels Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Used Car Loan	-	-	6.00%	6 years
Details Rate Update: July 1, 2026; Max Loan: No Maximum; Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
New Car Loan	-	-	6.25%	7 years
Details Max Loan: No Maximum; Up to 120% of invoice or MSRP (whichever is less). Rate Update: January 1, 2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

HOCU Honolulu Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
PV/Solar Loans - 10 yr	-	-	6.99%	10 years
Details As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
PV/Solar Loans - 5 yr	-	-	5.99%	5 years
Details As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
PV/Solar Loans - 8 yr	-	-	6.69%	8 years
Details As Low As; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
PV/Solar Loans Refinance - 6 yr	-	-	6.49%	6 years
Details As Low As; Refinance; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
PV/Solar Loans Refinance - 8 yr	-	-	6.69%	8 years
Details As Low As; Refinance; Max Loan: $50,000; Rate Update: September 1, 2023; Owner-occupied properties only Last Updated 10/12/2026 Rate History No change since Oct 2, 2026 · 6.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Business Share Draft	0.22%	-	0.22%
Min Balance $50,000 Details Balance: $50,000 - $499,999.99; Dividends paid monthly; Balance below $50,000 earns 0.17% APY. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.22% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Business Share Draft	0.37%	-	0.37%
Min Balance $500,000 Details Balance: $500,000+; Dividends paid monthly Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.37% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Business Share Rates	0.08%	-	0.08%
Min Balance $100 Details Balances under $100 do not earn dividends; Dividends paid monthly; Rate update January 1, 2021 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.08% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Classic Share Draft	-	-	0.08%
Min Deposit $5 Details Free checking account; no minimum balance required Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Classic Share Draft	-	-	0.15%
Details Dividends paid monthly; Rate update: January 1, 2020 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 0.08% → 0.15% ▲ 0.07 pts · high 0.15% / low 0.08% Oct 12, 20260.15%▲ from 0.08% Sep 25, 20260.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Free Kasasa Cash Checking	-	-	4.75%
Min Deposit $5 Details Qualifications Required; Qualifying balance up to $20,000; Refunds on ATM fees nationwide (up to $25 monthly); 0.03% APY earned if qualifications not met Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Individual Retirement Account Split Rate	-	-	0.12%
Min Balance $2,000 Details Balance: $2,000 - $4,999.99; Paid monthly; For members age 55+, add 0.05% to Shares Plus rates (for balances of $2,000+) Last Updated 10/12/2026 Rate History 1 change since Oct 8, 2026 · 0.30% → 0.12% ▼ 0.18 pts · high 0.30% / low 0.12% Oct 12, 20260.12%▼ from 0.30% Oct 8, 20260.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Individual Retirement Account Split Rate	-	-	0.17%
Min Balance $5,000 Details Balance: $5,000 - $49,999.99; Paid monthly; For members age 55+, add 0.05% to Shares Plus rates (for balances of $2,000+) Last Updated 10/12/2026 Rate History 2 changes since Oct 4, 2026 · 0.05% → 0.17% ▲ 0.12 pts · high 0.20% / low 0.05% Oct 12, 20260.17%▼ from 0.20% Oct 8, 20260.20%▲ from 0.05% Oct 4, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Individual Retirement Account Split Rate	-	-	0.22%
Min Balance $50,000 Details Balance: $50,000 - $499,999.99; Paid monthly; For members age 55+, add 0.05% to Shares Plus rates (for balances of $2,000+) Last Updated 10/12/2026 Rate History 2 changes since Oct 4, 2026 · 0.05% → 0.22% ▲ 0.17 pts · high 0.22% / low 0.05% Oct 12, 20260.22%▲ from 0.20% Oct 8, 20260.20%▲ from 0.05% Oct 4, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Individual Retirement Account Split Rate	-	-	0.37%
Min Balance $500,000 Details Balance: $500,000+; Paid monthly; For members age 55+, add 0.05% to Shares Plus rates (for balances of $2,000+) Last Updated 10/12/2026 Rate History 2 changes since Oct 4, 2026 · 0.05% → 0.37% ▲ 0.32 pts · high 0.37% / low 0.05% Oct 12, 20260.37%▲ from 0.35% Oct 8, 20260.35%▲ from 0.05% Oct 4, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%
Kasasa	-	-	4.75%
Min Deposit $5 Min Balance $0 Details Qualifications Required; Balance: $0 - $20,000; Qualifying balance up to $20,000.00; Paid monthly; ATM refunds nationwide based on meeting cycle qualifications Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.57%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

HOCU Honolulu Federal Credit Union’s Texas Ratio rose from 4.13% in Q3 2023 to 7.57% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$423M	7.57%	5.0	A
March 31, 2026	$418M	7.40%	5.0	A
December 31, 2025	$406M	4.79%	5.0	A+
September 30, 2025	$397M	7.51%	5.0	A
June 30, 2025	$393M	4.24%	5.0	A+
March 31, 2025	$399M	3.14%	5.0	A+
December 31, 2024	$393M	5.91%	5.0	A+
September 30, 2024	$389M	4.06%	5.0	A+
June 30, 2024	$388M	4.81%	5.0	A+
March 31, 2024	$394M	4.11%	5.0	A+
December 31, 2023	$385M	4.78%	5.0	A+
September 30, 2023	$377M	4.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HOCU Honolulu Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather HOCU Honolulu Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with HOCU Honolulu Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HOCU Honolulu Federal Credit Union

Website https://www.myhocu.com

Address 2305 S Beretania St, Honolulu, HI 96826

Phone 808-777-5646

Fax

President Leila Kagawa

CEO Mark Munemitsu

Full-Time Employees 57

Part-Time Employees 7

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.57%

Return on Assets (ROA)

0.5827%

Return on Equity (ROE)

4.5667%

Non-Performing Loans Ratio (NPL)

1.36%

Total Assets

423,314,070

Total Amount of Shares and Deposits

365,325,296

Total Shares and Deposits < 1 Year

365,306,812

Total Shares and Deposits 1 3 Years

18,484

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

34,000,632

Total Uninsured Shares and Deposits > $250K (F+J)

34,000,632

Total Insured Shares and Deposits > $250K (item 17 less item K)

331,324,664

Total Interest Expense (Sum of items 6 8)

2,482,615

Share Certificates

2,648

Number of Accounts for Share Drafts

9,447

IRA KEOGH Accounts

430

Number of Accounts for Regular Shares

20,801

Money Market Shares

4,110

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

23,345,749

Total Liabilities

372,114,619

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

HOCU Honolulu Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About HOCU Honolulu Federal Credit Union

How many branches does HOCU Honolulu Federal Credit Union operate?

HOCU Honolulu Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join HOCU Honolulu Federal Credit Union?

Yes, to access services at HOCU Honolulu Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, HOCU Honolulu Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, HOCU Honolulu Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does HOCU Honolulu Federal Credit Union offer online and mobile banking?

Most modern institutions like HOCU Honolulu Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myhocu.com.