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

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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 dividends!

A Great Way to Start Saving

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

Manage Your Savings Online

Seamlessly manage your savings with our intuitive online banking and mobile app, ensuring secure access from anywhere, anytime.

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 dividends on your savings.

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  • $5 minimum opening balance.
  • Minimum $100 average daily balance to earn dividends

Shares Plus


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

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  • $2,000 minimum opening balance. Earn higher dividends if your’re over 55

Holiday Savings Club


Save up for the holidays with an account that distributes funds automatically just in time for holiday shopping.

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  • $5 minimum to open
  • No minimum balance required
  • Funds will be automatically transferred in October

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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