90th Anniversary Special

Earn 4.50% APY with our Certificate Special

Celebrate 90 years of serving Oahu with our best certificate rate yet.

  • 4.50% APY on a 9-month certificate
  • Just $500 to open, with no maximum
  • Federally insured by the NCUA
Call 808-777-5646 Find a Branch
Limited-time rate
4.50 % APY
9-month certificate
Minimum
$500
Maximum
None
APY accurate as of 10/01/2026
Annual Percentage Yield (APY) accurate as of 10/01/2026. Deposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required. Offer subject to change without notice.

Why open your certificate with HOCU

Low $500 minimum

Start earning the special rate with just $500.

No maximum

Earn 4.50% APY on every dollar you deposit.

Local since 1936

Five Oahu branches, member-owned and NCUA insured.

Frequently asked questions

Everything you need to know about the Certificate Special.

What is a share certificate? Is it the same as a CD?

A share certificate is a credit union’s version of a certificate of deposit (CD). You deposit money for a set term and earn a higher rate than regular savings. Deposits at HOCU are federally insured by the NCUA.

What is the rate on HOCU’s Certificate Special?

HOCU’s 90th Anniversary Certificate Special earns 4.50% Annual Percentage Yield (APY) on a 9-month certificate. Rates are subject to change without notice.

How much do I need to open a certificate?

The minimum opening deposit for the Certificate Special is $500, and there is no maximum.

Does the money have to come from another bank?

Yes. Deposits for the Certificate Special must come from another financial institution.

Who can open a HOCU certificate?

You need to be a member of Honolulu Federal Credit Union. See who is eligible and how to join at myhocu.com/membership/sign-up.

How do I open the Certificate Special?

Call us at 808-777-5646 or visit any of our five Oahu branches to lock in the special rate.

Ready to lock in 4.50% APY?

Call us or stop by any HOCU branch location

Call 808-777-5646

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