Join HOCU and you’re more than a member. You’re an owner.

Enjoy all the benefits of membership

Become part of a member-owned, member-driven financial institution where giving people brighter futures is our main priority.

Complimentary Services

• Online Banking
• Mobile Banking
• Bill Pay
• Official Check
• Notary Service
• Signature Guarantee
• Payroll Deduction and Direct Deposit Services
• $2000 Accidental Death and Dismemberment benefit thru Trustage®


• Professional, Knowledgeable and Caring staff
• Safe Deposit Box- State of the Art Bio Recognition at our Moiliili Branch
• Competitive Loan and Savings Rates
• Wide array of products to offer members- ex. Photovoltaic refinance, Green Loans, Kasasa, IRA’s, Overdraft Privilege
• 5 Full Services Branches
• Educational Seminars
• Keiki and Teen Accounts
• Fun events for our members throughout the year


• 5 HOCU locations
• Shared Branch Network
• OLB/ Mobile Banking to bank online 24/7
• Bill Pay
• Web Loans

Financial Consulting and Investment Services

• Provided by LPL Financial
• Work with a Certified Financial Planner help you create, manage, and work towards pursuing your financial goals.

Field of Membership

  • Individuals of the following fields of membership are eligible to join HOCU
    • 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.
    • Civilian employees of the U.S. Government headquartered in Honolulu, Hawaii, including civilian and military employees of all branches of Department of Defense.
    • 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
  • Members of Selected Associations
  • Employees of Select Employer Groups (SEGS)
  • Immediate family members of and persons sharing a household with existing members can join HOCU.
  • Spouses of persons who died within our field of membership, retirees, volunteers, and organizations of such persons
  • Once a member, always a member.  To become a member, you must belong to one of our groups by having a common bond. Please call (808) 777-JOIN for more information or email
Member Eligibility Chart

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!

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