We are unable to change your address over the phone.
Please download the Change of Address form to complete your request and mail to:

HOCU
PO Box 235862
Honolulu, HI 96823-3515

Your address will be updated upon receipt.

We can also assist you with your request by visiting one our HOCU locations.

Click on “Forgot password” and follow the instructions or call HOCU to speak to a representative to have your account unlocked.

Looking to secure competitive rates on auto loans in Honolulu, HI? Partnering with Honolulu Federal Credit Union makes financing your next vehicle straightforward and hassle-free. Apply online at myhocu.com/membership/sign-up, or visit any of HOCU’s five O’ahu branches. You’ll need:

• A US government-issued ID (driver’s license, state ID, passport, alien registration card, military ID, or temporary Hawaii permit — limited-purpose licenses not accepted)
• Personal information (SSN, date of birth, employment)
• A physical address
• A way to fund the account (checking/savings account and routing number, or debit/credit card)
• $5.00 minimum opening deposit

Discover competitive rates on mortgage loans in Honolulu, HI through a trusted local institution that prioritizes its members. Beyond home financing, credit unions stand out among lenders offering personal loans with flexible terms and low fees. Joining Honolulu Federal Credit Union gives you access to a full suite of financial tools and tailored lending solutions across O’ahu. Membership is open to:

• Civilian employees of the U.S. Government headquartered in Honolulu (including DoD civilian/military employees)
• Members of the U.S. Armed Forces and Coast Guard living in Hawaii – active, honorably discharged, retired, or their dependents/survivors
• Contractors and employees of contractors who regularly work at the Sand Island
• Coast Guard Base Employees of HOCU
• Members of HOCU’s Select Employer Groups Immediate family members or anyone sharing a household with an existing member
• Spouses of deceased members within the field of membership

• You employer can be invited to be one of HOCU’s (Honolulu Federal Credit Union) Select Employer Groups (SEG) where we are For a Brighter Future. As a SEG, your entire company’s employees and their family members will be eligible to join our credit union and benefit from our valuable financial services. Earn more money from your Saving/Checking accounts and pay less interest on our various Loan programs!
• To apply for our free SEG program, just fill out an application. Once approved, staff members can activate their membership with just $5.00 which includes a minimum balance of $5.00 to start a savings account. As a member of HOCU, they will have access to a nationwide network of participating credit unions and ATMs called Shared Branching making their money accessible wherever they are.  Contact the Business Development Officer for more information.
• Our current list of SEGs

Our routing number is – 321379164

Whether you need financial flexibility or everyday banking perks, local credit unions offer some of the most competitive financial tools on O’ahu. Honolulu Federal Credit Union stands out among top institutions by pairing affordable personal loans in Honolulu, HI, with low-rate lending solutions to help cover unexpected expenses or major life goals. On the everyday spending side, their Kasasa Rewards account easily ranks among the most recommended checking accounts for maximizing your daily budget. Enjoy 9% cash back on debit card purchases, with no category restrictions. Cash back is earned on up to $500 in qualifying purchases per month, for a maximum of $45 cash back monthly. The promo rate is currently running until December 31, 2026 with a possibility of extension into 2027.

Meeting these simple monthly requirements ensures you unlock premium cash back rewards and nationwide ATM fee refunds. It is one of the easiest ways to get the absolute most out of everyday checking accounts in Honolulu, HI. Plus, even if you happen to miss a cycle, your account remains completely free while you reset for the following month. You need the following:

• 9 cleared debit card purchases per qualification cycle (ATM-processed transactions do not count)
• 1 direct deposit, ACH payment, or ACH credit transaction
• Enrollment in eStatements

Choosing the right checking account is just one piece of building a solid financial foundation on O’ahu. Whether you are optimizing your everyday spending or exploring competitive personal loans in Honolulu, HI, local credit unions deliver member-focused value across the board. By combining high-reward checking solutions with flexible borrowing options, you can keep more money in your wallet while staying on track toward your long-term goals. Both are free Kasasa checking accounts with no monthly fees, a $5.00 minimum to open, and nationwide ATM fee refunds (up to $25/month). The difference is how each rewards the member. Kasasa Cash® earns 4.75% APY on balances up to $20,000 and requires 18 debit purchases per cycle (plus 1 direct deposit/ACH transaction and eStatement enrollment) to qualify. Kasasa Cash Back® earns 9% cash back on debit purchases, up to $500 in monthly purchases for a $45 cap, and requires only 9 debit purchases per cycle to qualify (along with the same direct deposit/ACH and eStatement requirements). Members can choose the account that fits them best, either a high APY on savings balances or cash back on everyday debit purchases.

Log into your online banking and select “Credit Card Statements”.  Follow the steps to setup payment.  Payments must be debited from a share draft (checking) account.

Please visit us at one of our 5 convenient locations to complete the wire transfer form.  If unable to make it in to one of our office, please contact HOCU for special requests.  The cutoff time for same day wires is 9:30 am.

Simply visit one of our locations or contact HOCU for assistance.

To set up an external transfer:

1. Log in to Online Banking or the Mobile App
2. Open the side menu and select “External Accounts”
3. Choose “Add External Account”
4. Accept the disclosure
5. Enter the external account information (account type, description, number, and routing number)
6. Wait for two micro-deposits to be made to your external account
7. Return to the External Account menu and enter the two deposit amounts to complete the setup

For more info, go to myhocu.com/external-transfers.

To start an external transfer:

1. Log in to Online Banking or the Mobile App
2. Open the side menu and select “External Accounts”
3. Choose “Start New Transfer”
4. Select the account to transfer from and the account to transfer to
5. Enter the transfer amount
6. Set up a one-time or recurring transfer
7. Click “Submit” and then “Confirm”

For more information, go to myhocu.com/external-transfers.

Transfers from another financial institution into your HOCU account are subject to a hold: 1 day for transfers under $225, and 5 days for larger transfers.

A transfer may show as completed or posted before the funds are available, so check your Available Balance to see what you can use. If a transfer is returned or rejected, any funds credited to your account may be reversed. To access funds immediately, make an in-person deposit at any HOCU branch.

For more info, go to myhocu.com/external-transfers.

You must first be enrolled in online banking. Then download the HOCU mobile banking app and login using your same credentials.

You can check your account balances, transfer funds between accounts, and pay your loan statements.

You can make a transfer payment from your HOCU savings or checking.

Payment from another institution on HOCU mobile banking is not available.

Using a debit card does not incur a cost from your account. However, your account will be assessed a fee if you overdraw your checking account. Some of the ATM machines may charge a fee for cash withdrawal.

Contact us at 808-777-5646.

There is no annual or monthly fee. You may view our current fees on our fees schedule.

7-10 business days after the request is made.

Yes, upon activating your card you will be able to select a 4-digit PIN.

Call 1-866-642-6136 to report your card lost or stolen.

Call 1-866-985-2273 to change your PIN. You can change your PIN once within a 24 hour period.

You can use your HOCU debit card wherever VISA is accepted or at ATM’s that have these symbols (will provide symbols – double checking with operations manager).

Contact HOCU at 808-777-5646 to go over your purchases.

Because the payments are electronic, they are deducted from accounts more quickly than when using a paper check. Often, a debit card purchase is posted within 24 hours instead of days, as may be the case with a paper check. That means there would be little time to make a deposit to cover a purchase, if necessary. In addition, even though a transaction was approved, you may overdraw your account because the Credit Union won’t know what other withdrawals you have made that day until it settles all transactions later that day.

There is no cost to apply. Credit union membership is required.

Your rate will depend on these variables:

1. 1. Your credit history (FICO score)
   2. Whether you are buying a new/used vehicle
   3. The term of repayment you choose

HOCU offers fully secured credit cards (please call us at 808-777-5626 for details). This product is a great way to establish credit.

Consider applying with a co-signer. Co-signers agree to be equally responsible for repayment, and their excellent credit history can help you obtain a loan.

Consider applying for a smaller loan to establish a repayment history

For auto financing we will consider other factors: Long term employment, Short repayment term, or large down payment.

There are no pre-payment penalties on any loans we offer.

Yes! We offer Debt Protection – includes life, disability, and unemployment coverage. You may choose one or a combination to protect you from all the what “ifs” in life.

We offer Guaranteed Asset Protection (GAP) Plus.

1. 1. What is GAP? If you owe more on your vehicle loan than what your vehicle is worth, in the event your vehicle is deemed at a total loss, GAP will cover the amount between what your insurance will pay and the remaining balance you owe
   2. If you finance your next vehicle with HOCU, your GAP Plus insurance will pay $2,500 for your next new replacement vehicle (vehicle must be purchased within 120 days after member’s primary insurance company issues a settlement check).

We offer Mechanical Repair Coverage (MRC)

1. 1. 1. MRC may help pay for covered repairs on new and eligible used vehicles after your manufacturer’s warranty expires.

Applications can be downloaded and submitted online to [email].

Payment can be made through automatic payments, online 1-time payment on credit card link, payments can be mailed to credit union and/or payment can be made over the phone.

Please call 1-800-449-7728

If you notice fraudulent transactions online click the “dispute” but to begin the process, current month transactions only. If transactions are notice after current/same month call 1-888-918-7313.

Quickest way to access rewards is signing up at curewards.com and creating a profile, thereafter you can go to myhocu.com and click the hyperlinks to the reward website. Points can be redeemed through curewards.com

A credit union member is defined as the primary holder of an account.  Each member has borrowing rights.  With a Joint Auto Loan, all parties must be members to borrow funds.  A joint owner on a membership is not considered a member unless they have their own primary account.

We do authorize and pay overdrafts for the following types of transactions:
· Checks and other transactions made using your checking account number
· Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions without your consent:
· ATM transactions
· Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:
· We will charge you a fee (refer to current fee schedule) each time we pay an overdraft
· There is no limit per day on the total fees we can charge you for overdrawing your account

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (808) 777-5646, visit our website at www.myhocu.com, email us at info@myhocu.com or complete the form below and present it at a branch or mail it to: P.O. Box 235862, Honolulu, HI 96823-3515. You can revoke your authorization for Honolulu Federal Credit Union to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.

HOCU is committed to providing a safe and productive work environment.  Background checks serve as an important part of our selection process to comply with federal regulations.  Our post-offer employment process includes Substance Abuse and Drug and Alcohol Testing in addition to employment history verification, credit and bondability analysis and reference check.

Yes.  We do request applicants inform us of their interest in our positions in order of preference.  If a new position opens after submitting an application, notify our Human Resources Department to inform of your interest in the new position.

Applications that are older than six months should be updated.  In addition, submit a new application if there has been a change in employment or education history or skills.

In general, applications are reviewed and considered within a four week period; however, vacancy openings can vary.  Applications are accepted until the position is filled.

Our Human Resources Department will contact applicants being considered within four weeks of receiving an application, usually by electronic mail.

The eligibility for benefits is different for each benefit and will be reviewed on the first day of employment.

Limited internship opportunities are available and information can be obtained from the Human Resources Department.