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HOCU Honolulu Federal Credit Union

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HOCU Honolulu Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, HOCU Honolulu Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

HOCU Honolulu Federal Credit Union's Balloon 1st Mortgage (Owner Occupied/Rental/Investor Property) rates are at 4.99%. HOCU Honolulu Federal Credit Union's Personal Loan Rates are as low as 8.00%. MonitorBankRates evaluates the financial stability of HOCU Honolulu Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.40%. Rates last updated and verified on 09/23/2026.

HOCU Honolulu Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at HOCU Honolulu Federal Credit Union? Share your experience about HOCU Honolulu Federal Credit Union by leaving a review below, or read customer reviews before you decide to use HOCU Honolulu Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.40%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

HOCU Honolulu Federal Credit Union
Moiliili Branch

2305 S Beretania St
Honolulu, HI 96826

https://www.myhocu.com

HOCU Honolulu Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
Balloon 1st Mortgage (Owner Occupied/Rental/Investor Property)	4.99%	-	7.00%	18/30 yr
Details Intro rate expires: 3 years; Variable rate currently 7.00%. As high as 80% loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%

HOCU Honolulu Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (Owner Occupied)	-	-	4.99%	36 months
Details 4.99% APR fixed for 36 months is an introductory rate which starts when the loan is opened. Offer is for new first or second lien requests on improved fee-simple owner-occupied properties located in Hawaii, subject to credit approval. Applications for this promotion must be closed within 90 days from the application date. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216-month or 360-month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $830.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six-Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly with a maximum APR of 18.00% APR. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Home Equity Line of Credit (Owner Occupied Over 80%)	-	-	7.50%	18/30 yr - 1st1
Details Max Loan: $350,000; Draw Period: 8 yr; Rate Update: January 1, 2026; As high as 70% loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Home Equity Line of Credit (Owner Occupied Over 80%)	-	-	7.75%	18 yr - 2nd2
Details Max Loan: $250,000; Draw Period: 8 yr; Rate Update: January 1, 2026; As high as 70% loan to value. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Home Equity Line of Credit (Owner Occupied)	-	-	8.00%	18/30 yr
Details Between 80.01% - 90% LTV Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Home Equity Line of Credit (Owner Occupied)	-	-	9.00%	18/30 yr
Details Between 90.01% - 100% LTV Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%

HOCU Honolulu Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.25%	3 yr
Details Up to 120% of invoice or MSRP (whichever is less). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Auto Loans	-	-	4.50%	4 yr
Details Up to 120% of invoice or MSRP (whichever is less). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan	-	-	4.50%	5 yr
Details New car must be an electric or hybrid vehicle powered by alternative fuels. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Auto Loans	-	-	4.75%	5 yr
Details Up to 120% of invoice or MSRP (whichever is less). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New Car Loan	-	-	4.75%	3 yr
Details Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan	-	-	4.75%	6 yr
Details New car must be an electric or hybrid vehicle powered by alternative fuels. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Auto Loans	-	-	5.00%	6 yr
Details Up to 120% of invoice or MSRP (whichever is less). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New Car Loan	-	-	5.00%	4 yr
Details Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New Car Loan	-	-	5.25%	5 yr
Details Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New Car Loan	-	-	6.00%	6 yr
Details Up to 120% of Kelly Blue Book - Retail. Maximum age of used vehicle is 9 years old. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
New car must be an electric or hybrid vehicle powered by alternative fuels. Loan	-	-	6.00%	7 yr
Details New car must be an electric or hybrid vehicle powered by alternative fuels. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Auto Loans	-	-	6.25%	7 yr
Details Up to 120% of invoice or MSRP (whichever is less). Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%

HOCU Honolulu Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 2 yr	8.00%	2 yr
Details Rate Update: January 1, 2025 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Personal Loan - 3 yr	9.00%	3 yr
Details Rate Update: January 1, 2025 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Personal Loan - 4 yr	10.00%	4 yr
Details Rate Update: January 1, 2025 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
Personal Loan - 5 yr	11.00%	5 yr
Details Rate Update: January 1, 2025 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%

HOCU Honolulu Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
PV/Solar Loans	-	-	5.99%	5 yr
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
PV/Solar Loans	-	-	6.69%	8 yr
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
PV/Solar Loans	-	-	6.99%	10 yr
Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%
PV/Solar Loans	-	-	6.49%	6 yr
Details Refinance Rate** Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

HOCU Honolulu Federal Credit Union’s Texas Ratio rose from 3.74% in Q2 2023 to 7.40% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$418M	7.40%	5.0	A
December 31, 2025	$406M	4.79%	5.0	A+
September 30, 2025	$397M	7.51%	5.0	A
June 30, 2025	$393M	4.24%	5.0	A+
March 31, 2025	$399M	3.14%	5.0	A+
December 31, 2024	$393M	5.91%	5.0	A+
September 30, 2024	$389M	4.06%	5.0	A+
June 30, 2024	$388M	4.81%	5.0	A+
March 31, 2024	$394M	4.11%	5.0	A+
December 31, 2023	$385M	4.78%	5.0	A+
September 30, 2023	$377M	4.13%	5.0	A+
June 30, 2023	$375M	3.74%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for HOCU Honolulu Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather HOCU Honolulu Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with HOCU Honolulu Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HOCU Honolulu Federal Credit Union

Website https://www.myhocu.com

Address 2305 S Beretania St, Honolulu, HI 96826

Phone 808-777-5646

Fax

President Leila Kagawa

CEO Mark Munemitsu

Full-Time Employees 55

Part-Time Employees 7

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.40%

Return on Assets (ROA)

0.2802%

Return on Equity (ROE)

2.2218%

Non-Performing Loans Ratio (NPL)

1.35%

Total Assets

418,095,013

Total Amount of Shares and Deposits

365,672,199

Total Shares and Deposits < 1 Year

365,646,928

Total Shares and Deposits 1 3 Years

25,271

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

30,265,275

Total Uninsured Shares and Deposits > $250K (F+J)

30,265,275

Total Insured Shares and Deposits > $250K (item 17 less item K)

335,406,924

Total Interest Expense (Sum of items 6 8)

1,232,183

Share Certificates

2,504

Number of Accounts for Share Drafts

9,249

IRA KEOGH Accounts

441

Number of Accounts for Regular Shares

20,709

Money Market Shares

4,136

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

27,059,683

Total Liabilities

368,089,913

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

HOCU Honolulu Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About HOCU Honolulu Federal Credit Union

How many branches does HOCU Honolulu Federal Credit Union operate?

HOCU Honolulu Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join HOCU Honolulu Federal Credit Union?

Yes, to access services at HOCU Honolulu Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, HOCU Honolulu Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, HOCU Honolulu Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does HOCU Honolulu Federal Credit Union offer online and mobile banking?

Most modern institutions like HOCU Honolulu Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myhocu.com.