Open a checking account that gives you what you need. Like our Kasasa accounts that reward you just for banking.

Free Checking. Really Great Rewards.

Earn interest just by keeping money at HOCU. Finally, a checking account that gives back.

Cash Rewards Every Month

Cash in with a Kasasa® checking account that pays you back. Just qualify by completing 1 direct deposit/ACH payment or credit transaction, enrolling in e-statements, and making 18 debit transactions!

Refunds on ATM Fees

With a Kasasa account, every ATM is your ATM here in Honolulu and nationwide.

No Monthly Fees

With a minimum deposit of $5, you can live free of fees with our completely free Kasasa checking accounts.

Get More with Kasasa

Earn interest, write unlimited checks and get a no-fee Debit VISA® with any Kasasa account.

Checking Accounts

Expect more from your checking account.

Free Kasasa Cash®
Most Popular


4.75% APY*

Enjoy free checking that earns a really high rate:

4.75% APY* on balances up to $20,000.

  • Free checking account
  • Higher dividends
  • Refunds on ATM fees, nationwide (up to $25 monthly)
  • See Rates and Terms

Free Kasasa Cash Back®
Most Popular


Bring balance back to your wallet:

5% cash back on debit card purchases.*
No category restrictions on purchases.
Cash back earned on up to $500 in purchases monthly
Earn up to $25 cash back per month.

  • Free checking account
  • Cash back on purchases
  • Refunds on ATM fees, nationwide (up to $25 monthly)
  • See Rates and Terms

Classic Share Draft


0.08% APY*

Keep it classic with a free, no-frills checking account that pays interest with no minimum balance required.

  • Free checking account
  • No-fee debit VISA® card
  • Free bill pay
  • Free box of checks when you get eStatements
  • See Rates and Terms

Business Share Accounts

Get an account that works for your business.

Business Shares


Business Share keeps it simple with a low minimum deposit. Business Share Draft gives you more features to help your business succeed.

Business Share: Establishes membership with HOCU with a minimum deposit of $100.

Business Share Draft: Offers unlimited check writing, free Online Banking and free ATM/Debit card.

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!

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