Credit union · NCUA insured
Honolulu Federal Credit Union (HOCU) Savings Rates
Top CarrotHonolulu Federal Credit Union (HOCU)’s best savings rate is 0.17% APY on $10,000, with its Shares Plus. Rates checked October 22, 2026.
How Honolulu Federal Credit Union (HOCU)’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Honolulu Federal Credit Union (HOCU) has the most branches. $10,000, best rate first.
This credit union’s best
Honolulu Federal Credit Union (HOCU)
0.17%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $17
Shares Plus
Top rate
Sunflower Bank
3.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $302
2nd-highest rate
PenFed Credit Union
2.70%APY
- Minimum
- $5
- Earns on $10,000 a year
- $270
Honolulu Federal Credit Union (HOCU) savings score
68
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.08%
- $10,000 balance$10,0000.17%
- $100,000 balance$100,0000.22%
- QualifiedQualified0.17%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Honolulu Federal Credit Union (HOCU) ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Shares Plus
0.17%APY
$2,000 minimum opening balance. Step up your savings with higher dividends on higher balances with a bonus rate for account holders over the age of 55.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,0000.08% APY for below $2,000. | 0.08% | — | 0.08% APY for below $2,000. |
| $2,000 – $5,000 | 0.12% | — | |
| $5,000 – $50,000 | 0.17% | $17 | |
| $50,000 – $500,000 | 0.22% | — | |
| $500,000 and up | 0.37% | — |
Regular Shares
0.08%APY
Our entry level savings account, required for HOCU membership, gives you one vote in Board of Directors elections. $5 minimum opening balance. Minimum $100 average daily balance to earn dividends. No monthly fee or minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly fee or minimum balance required. Balances under $100 do not earn dividends.Any balance | 0.08% | $8 | No monthly fee or minimum balance required. Balances under $100 do not earn dividends. |
Special-purpose accounts
Holiday Savings Club
0.35%APY
$5 minimum to open. No minimum balance required. Funds will be automatically transferred/distributed in October.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000Funds will be automatically transferred in October. | 0.20% | — | Funds will be automatically transferred in October. |
| $2,000 – $10,000Funds will be automatically transferred in October. | 0.30% | — | Funds will be automatically transferred in October. |
| $10,000 and upFunds will be automatically transferred in October. | 0.35% | $35 | Funds will be automatically transferred in October. |
Who can join Honolulu Federal Credit Union (HOCU)
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.