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Honolulu Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
myhocu.com
808-777-5646
2305 S Beretania St
Honolulu, HI 96826

Honolulu Federal Credit Union is headquartered in Honolulu and is the 13th largest credit union in the state of Hawaii. It is also the 864th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 54 employees and 19,864 members at 5 locations. Honolulu Federal Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Honolulu Federal Credit Union is open to the following: (1) civilian employees of the U.S. Government headquartered in Honolulu; (2) civilian and military employees of all branches of Department of Defense stationed in Honolulu; (3) civilian and military personnel of the 14th Coast Guard District who work in or have headquarters in the 14th Coast Guard District; (4) active and retired members of the U.S. Armed Forces who live in Hawaii and eligible to receive benefits from Sand Island Coast Guard Base in Hawaii; (5) employees of over 200 area Select Employer Groups.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #1830
Year Chartered1936
Employees54
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD9.18%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$398.5MM$394.5MM
LoansQ1 2025vs Q1 2024$288.3MM$278.9MM
DepositsQ1 2025vs Q1 2024$351.9MM$351.2MM
Equity CapitalQ1 2025vs Q1 2024$44.4MM$39.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.1MM$3.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.6MM$2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/20/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Honolulu Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Honolulu Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.37%*$500k*-Business Share Plus
OTHER TIERS: 0.17% → $0 - $50k | 0.22% → $50k - $500k
0.15%$0-Holiday Club
0.08%$100-Regular Shares Account
0.08%$100-Business Shares

Honolulu Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.37%*$500k*-Money Market Shares Plus
OTHER TIERS: 0.08% → $0 - $2k | 0.12% → $2k - $5k | 0.17% → $5k - $50k | 0.22% → $50k - $500k

Honolulu Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%*$0$20kKasasa Cash Checking
OTHER TIERS: 0.25% → $20k+
0.08%$0-Classic Share Draft

Honolulu Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$500-8 Month Certificate Special
3.80%$500-12 Month Certificate Special
1.25%$6k-3 Year Super Certificate
1.20%$500-3 Year Certificate
1.15%$6k-2 Year Super Certificate
1.10%$500-2 Year Certificate
1.00%$500-18 Month Certificate
1.00%$10k-18 Month Super Certificate
0.90%$10k-1 Year Super Certificate
0.70%$10k-6 Month Super Certificate
0.15%$500-Business 1 Year Certificate

Honolulu Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$6k-3 Year Super IRA Certificate
1.20%$500-3 Year IRA Certificate
1.15%$6k-2 Year Super IRA Certificate
1.10%$500-2 Year IRA Certificate
1.00%$500-18 Month IRA Certificate
1.00%$10k-18 Month Super IRA Certificate
0.90%$10k-1 Year Super IRA Certificate
0.70%$10k-6 Month Super IRA Certificate
0.35%*$10k*-Individual Retirement Account
OTHER TIERS: 0.20% → $5 - $2k | 0.30% → $2k - $10k
0.15%$500-Business 1 Year IRA Certificate
Locations


Honolulu Federal Credit Union Locations
Branch Office3600 Aolele StHonolulu, HI 96820
Corporate Office2305 S Beretania StHonolulu, HI 96826
Branch Office91-1717 Fort Weaver Rd Ste BEwa Beach, HI 96706-1998
Branch Office300 Ala Moana Blvd #1-137Honolulu, HI 96850
Branch Office459 Patterson Rd Rm 1-C100Honolulu, HI 96819

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