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Honolulu

P.O. Box 235862, Honolulu, HI 96823
NCUA Insured4.4 (34 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 235862

Honolulu, HI 96823

Service Area

This credit union is located in Honolulu and serves members in the HI area. Currently serving 19,611 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.75%

Used Auto Loan

7.36%

Personal Loan

10.91%

Credit Card APR

9.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in HI

Lowest rates currently reported by credit unions in HI (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.4

34 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Zakary Kim

Zakary Kim

a year ago

I visited their Beretania location today to help an elderly family member and was pleasantly surprised. First, I'll start off by saying that the location is very convenient. It's in town and only a couple mins away from multiple freeway off-ramps. There is also tons of ample parking, which is super hard to come by on this stretch of Beretania. Additionally, the facilities are super clean. There aren't any stray bits of trash or even leaves/lawn trimmings in the parking lot. The lobby is nice and cool, a refreshing note in comparison to the hot pavement outside. And it's also very up to date (not dingy like some other lobbies). I've been to this location a few times before, mainly outside to help other friends or family with the ATM. I know that it was actually broken a couple of the times that we had visited, which was a bit of a bummer. But I'm happy to report that everything seems to be fixed!

Pattie McMasters Lock

Pattie McMasters Lock

a year ago

I've only been with HOCU for a few months but they are always awesome! I've had my bank account hacked multiple times and at this branch they are able to create a new debit card in minutes. They are all friendly and polite, I couldn't be happier.

William Marston

William Marston

a year ago

Friendly and super helpful staff. Each individual goes out of their way to assist you and make your experience painless and pleasant. Would recommend this credit union without any hesitation. By the way, did I mention how nice the staff are with superb customer service skills.

Edwina L

Edwina L

a year ago

The worst bank I had ever had to deal with in my life. I started an account here to get a safe deposit box. That ordeal lasted an hour and a half. Later in the week, I recieved a phone call saying my access wasn't complete! They somehow forgot to get biometrics. My previous visit, consisted of me going back and forth from the sitting area to the counter to the safe deposit box, only to be told by phone days later the process was not complete. The level of sheer incompetence baffled me. I wish I could say the experiences got better but they did not. The tellers were usually new and always oblivious. There was a long time teller (the one who handled my deposit box who seemed tenured but still oblivious.) I never used my box, not once. During covid their hours were super inconvenient. I paid for the year upfront for the deposit box but cancelled everything with this incompetent bank. Response to reply from Hocu... The response further solidifies why not to bank here. You would think a bank would be more discreet with regards to someone's information like when their accounts were closed.

KALEI*A

KALEI*A

3 years ago

I've always had a great experience with HOCU!! I'm not too much of an online person and would rather go to the credit union to make sure all is good! The customer service has been super nice every time!! I have to admit, they always have the best auto loans, and that itself kept me a loyal customer.. along with the other great things. I have to mention that every now & then they offer something that people always need "shredding," thanks HOCU, paper weighs a ton when you save too much! 🙂🤙🏽🌺

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).