Personal Loans

Answer life’s big moments with confidence. We’re here to lend a hand to those moments.

Apply Now

Take your dreams off hold.

Get a personal loan that works for you.

Borrow Up To $20,000

Use loan funds for debt consolidation, home improvements, education, etc.

Flexible Repayment Terms

The longer the term the lower the monthly payments.

No Prepayment Penalty

HOCU allows extra payments or loan payoffs before the maturity date without penalty.

Fixed Payments

Never worry about payments adjusting.

Current Personal Loan Rates

Take advantage of today’s rates and apply online. View our personal loan products below.

Personal Loan
Most Popular


Personal loans can be used for various reasons. These loans can be collateralized (fully secured) with funds in your account for a lower interest rate. The fully secured option is good for building credit for first time borrowers.

Apply Now

Can be used for:

Share Draft Overdraft Protection

  • Line of credit
  • Immediate access to funds
  • Protection against insufficient funds fees
  • See rates and terms

Let HOCU Help You

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


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]


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!