Whatever your needs are, we’ve got a product that’s just right for your journey.

Most Popular FAQs

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

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.

Call us at (808) 777-JOIN [5646] or stop by any of our convenient branch locations during regular business hours.

If you’re applying for membership online, choose the accounts you want to open on the online application. Or stop by a HOCU financial center to join in person and open any accounts you want.

Individuals in the following fields of membership are eligible to join HOCU:

    • Civilian employees of the U.S. Government headquartered in Honolulu, Hawaii, including civilian and military employees of all branches of Department of Defense.
    • Civilian and military personnel of the 14th Coast Guard District who work in or have headquarters in the 14th Coast Guard District, Hawaii.
    • Members of the U.S. Armed Forces including the U.S. Coast Guard who live in Hawaii, active, honorably discharged or retired, or their dependents or dependent survivors who live in Hawaii who are eligible to receive and are receiving benefits or services from the Sand Island Coast Guard Base in Hawaii.
    • Contractors and employees of contractors who regularly work at the Sand Island Coast Guard Base in Hawaii under contract with the U.S. Government except those who are eligible for primary membership in another credit union by virtue of their employment.
    • Employees of HOCU.

Family members of and persons sharing a household with existing members can join HOCU.

  • 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

Online Banking

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.

Mobile Banking

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.

Debit Cards

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.

Loans & Credit Cards

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

Your rate will depend on these variables:

    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. 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. 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 and creating a profile, thereafter you can go to and click the hyperlinks to the reward website. Points can be redeemed through

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.

Overdraft Privilege

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, email us at 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.

Jobs at HOCU

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.








With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!

You are now leaving

HOCU provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by HOCU, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL