More Sevices

You work hard for your money. rnLet it grow with a great rate on any balance.

Achieve your Goals Faster

Don’t just save – make money while you do it!

The Benefits of Membership

Becoming a HOCU member is as easy as opening a Regular Shares savings account.

Get More Bang for your Buck

Open a Shares Plus savings account with a $2,000 minimum and earn even more interest!

A Great Way to Start Saving

Your Regular Shares savings account makes it simple to earn interest, with a low minimum opening balance.

Save Bigger with Kasasa

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too.

Add American Express Traveler’s Cheques

As a HOCU member you may purchase American Express Traveler’s Cheques with no fees. We offer the following denominations: $50, $100 and $500. Please contact us for the availability.

Add Safe Deposit Boxes

Another way to keep your valuables and important documents from unexpected fire, flood or theft. For more information and availability visit the Moiliili Branch or contact us.

Add Notary Service

We offer convenient notary services to witness and certify the authenticity of signatures and documents. Notary services are available free to our members! Please contact us in advance to schedule an appointment to ensure your documents are notarized promptly.

Savings Accounts

Choose an account that’s right for you and your goals.

Regular Shares
Most Popular


Our entry level savings account, required for HOCU membership, gives you one vote in our Board of Directors elections. With a low opening deposit, it’s super easy to become a HOCU member and start earning interest on your savings.

Apply Now
  • $5 minimum opening balance.

Shares Plus


Step up your savings with a higher interest rate on higher balances withrna bonus rate for account holders over the age of 55.

Apply Now
  • $2,000 minimum opening balance. Earn higher interest rate if your’re over 55

Christmas Savings


Save up for the holidays with an account that distributes funds automatically just in time for Christmas shopping. Or withdraw at any time for maximum flexibility.

Apply Now
  • $5 minimum to open
  • Funds automatically distributed via check or direct deposit in October

Kasasa Saver


Sign up for this account to turn your Kasasa Cash or Kasasa Cash Back checking account rewards into even more money, with our highest savings interest rate.

Apply Now
  • Automatically deposits Kasasa rewards into a high-interest savings account
  • Kasasa monthly rewards requirements must be met to earn Kasasa Saver rate

Checking Options for Business

Get an account that works for your business.

Business Checking


Choose a checking account to help your business get down to business: Business Share keeps it simple with a low minimum deposit. Business Share Draft gives you more features to help your business succeed.

Apply Now

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. Minimum balance of $500 to avoid monthly fees.

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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