Credit Cards

Build the lifestyle meant for you. Get rewarded for starting.

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Apply for a card that fits the bill

Take advantage of our low interest rates, travel with no foreign exchange fees, and earn rewards just by using your card
for your daily needs all the way to your grand moments! Best of all, there are no annual fees so it doesn’t even cost a thing!

01
The latest technology and security

All of our credit cards come with cutting edge EMV chip technology meaning that your card will have advanced security measures so you can have peace of mind.

02
Don’t let rainy days bring you down

Accidents seem to happen at the worst possible times. Our travel insurance feature not only gives you a baggage benefit starting at $300 but also insures your transactions starting from $200,000.

03
Stay safe on the road

Explore and adventure like the traveler you are and leave the paper work to us. With auto rental collision damage waiver and roadside dispatch, we’ll cut down on any unwanted pitstops so you can keep your motor running.

04
Make the most of your sick days

With the HOCU Platinum Credit Card, you get medical and dental coverage while you’re on your getaway. Don’t let getting sick dampen your travels.

Credit Cards

Take advantage of today’s rates and apply online. View our credit card products below.

Share Secured Card Features

QUICK FACTS

6.99%  APR*

Our share secured cards are great for building new credit and repairing old credit. Secured to your regular share account, the maximum credit limit cannot exceed available regular shares. Enjoy no foreign transaction fees for international travel use.

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  • Add $250 minimum share secured amount
  • World Wide Automatic Travel Accident
    Insurance: $200,000 for primary cardholder
    and $300 Baggage Benefit
  • Travel and emergency assistance
  • Auto Rental Collision Damage Waiver
  • Roadside dispatch
  • No fee cash advances
  • See rates and terms

Classic Card Features

QUICK FACTS

13.75%  APR*

With our class credit card products, you can earn double points for all transactions with travel merchants (i.e., travel agents, airlines, hotels, cruise lines, bus lines and rental cars) and for gas. Earn 1 point for each $1 spent on purchases – may be redeemed for travel and merchandise. Enjoy no foreign transaction fees for international travel use.

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  • EMV Chip Technology
  • World Wide Automatic Travel Accident
  • Insurance: $200,000 for primary cardholder
    and $300 Baggage Benefit
  • Travel and emergency assistance
  • Auto Rental Collision Damage Waiver
  • Roadside dispatch
  • No fee cash advances
  • See rates and terms

Gold Card Features

QUICK FACTS

10.75%  APR*

As our Gold Card member, enjoy all the benefits of our Classic Card plus more! With World Wide Automatic Travel Accident Insurance at $500,000 and warranty management services, you can rest easy and experience your time away without worry.

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  • EMV Chip Technology
  • World Wide Automatic Travel Accident
  • Insurance: $500,000 for primary cardholder
    and $300 Baggage Benefit
  • Travel and emergency assistance
  • Auto Rental Collision Damage Waiver
  • Roadside dispatch
  • See rates and terms

Platinum Card Features
Most Popular

QUICK FACTS

9.75% APR*

Take your vacations to the next level with our Platinum Card. With all the benefits of the Gold Card except with increased and additional travel insurance coverage’s, we’ll handle things at home so you don’t have to.

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  • In addition to Gold Card benefits:
  • World Wide Automatic Travel Accident
    Insurance: $1,000,000 for Cardholder,
    $500,000 for Spouse, $50,000 for Dependent
    Child, $300 Baggage Benefit
  • Lost luggage reimbursement
  • Emergency medical and dental coverage
  • See rates and terms

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!

Call HOCU

General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]
Email: info@myhocu.com

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Apply Online

To become a member and gain access to the benefits a credit union brings.

Visit Us

At one of our 5 convenient locations.

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!