Rates so good, you can live life on your own terms.

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Ensure Sunnier Days Ahead

Secure. Predictable. Reliable. Welcome to the safest, saving-est way to park your cash.

Secure your Money and Earn More

Backed by the FDIC, a share certificate is one of the most secure ways to earn interest.

What you See is What you Get

A share certificate gives you a fixed rate for a fixed term. You know exactly how much you’ll be getting, so planning for your future is easier.

Save up for the Big Day

Set your funds aside for your dream vacation, wedding, or even higher education. With a share certificate, you can watch your funds grow until you need them.

Longer Terms and Higher Rates

With flexible maturity dates and rates that go up for longer terms, share certificates let you control how you store your funds and for how long.


Earn interest on your terms.

Share Certificates
Most Popular


Get more bang for your buck. The longer you deposit funds for a fixed term from – 6 months to 3 years – the higher rate of return you earn.

  • Minimum $500 deposit
  • Age 55 and over earn a higher rate

Jumbo Certificates


Put your money to work. Deposit funds for a fixed 1 or 2 year term and earn higher rates.

  • Minimum $100,000 deposit
  • Maximum $200,000 deposit
  • Age 55 and over earn a higher rate

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]
Email: info@myhocu.com


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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!

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