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 HOCU Honolulu Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 4, 2026
HOCU Honolulu Federal Credit Union's 8 mo CDs rates are at 3.55%, 12 mo CDs rates are at 3.45%, 3 yr CDs rates are at 1.25%, 3 yr CDs rates are at 1.20%, 2 yr CDs rates are at 1.15%. HOCU Honolulu Federal Credit Union's Personal Loan Rates are at 6.00%. 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 7.94%. Rates were last updated on 04/04/2026. 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. HOCU Honolulu Federal Credit Union
Moiliili Branch 2305 S Beretania St
https://www.myhocu.com Honolulu, HI 96826 
HOCU Honolulu Federal Credit Union CD Rates
HOCU Honolulu Federal Credit Union Savings Rates
HOCU Honolulu Federal Credit Union Home Equity & HELOC
HOCU Honolulu Federal Credit Union Auto Loan Rates
HOCU Honolulu Federal Credit Union Credit Card Rates
HOCU Honolulu Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
54
Part-Time Employees
7
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.94%
Return on Assets (ROA)
0.8945%
Return on Equity (ROE)
7.0258%
Non-Performing Loans Ratio (NPL)
1.36%
Total Assets
397,464,347
Total Amount of Shares and Deposits
347,806,873
Total Shares and Deposits < 1 Year
347,769,490
Total Shares and Deposits 1 3 Years
37,383
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
26,465,906
Total Uninsured Shares and Deposits > $250K (F+J)
26,465,906
Total Insured Shares and Deposits > $250K (item 17 less item K)
321,340,967
Total Interest Expense (Sum of items 6 8)
3,890,453
Share Certificates
2,324
Number of Accounts for Share Drafts
8,917
IRA KEOGH Accounts
453
Number of Accounts for Regular Shares
20,856
Money Market Shares
4,167
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
25,967,012
Total Liabilities
350,181,082
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About HOCU Honolulu Federal Credit UnionIs HOCU Honolulu Federal Credit Union a safe place to deposit money?Yes, HOCU Honolulu Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 7.9433874206911%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Compare to Other Credit Unions
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