Special offer for Cutter Auto Group employees


  • Yes! As a member of HOCU, I want to save money!
  • Yes! I want HOCU to pay my first loan payment up to $300.
  • Yes! I want HOCU to help me refinance my auto loan from another financial institution to see if I qualify for a rate as low as 1.79% APR
  • Yes! I understand that if I close my new HOCU auto loan within 12 months that I will have to repay HOCU my first loan payment up to $300
  • Yes! I understand that this great opportunity will expire February 28, 2018.
  • Yes! I will apply online at myhocu.com\url and call a loan officer if I have any questions.

Apply Today


  • Terms and conditions apply. You must be an employee of a Select Employer Group at the time of application.
  • To be eligible for this promotion, you must have a new or used automobile loan with another financial institution which is in good standing and not in default at the time of your application. Subject to credit approval based on HOCU’s Loan Underwriting Policy. Proof of income required. The automobile must be properly registered with the City and County of Honolulu and physically located on the island of Oahu. Inspection of vehicle may be required.
  • For qualifying applicants, HOCU will “pay your first loan payment” by crediting your designated account at HOCU with an amount equal to your first loan payment with HOCU. This offer does not apply to real estate loans. If loan is paid off within the first 12 months of the date of the loan, member is required to reimburse HOCU the amount of the first payment that was applied to your loan by HOCU.
  • APR = Annual Percentage Rate. The amount of the APR reduction will vary based on the qualifications of the applicant and the type of automobile loan being refinanced. This promotion will expire on February 28, 2018 and is not applicable to current loans with HOCU. Minimum loan amount is $ 5,000.00. Maximum loan amount is $ 50,000.00. Minimum term is 36 months. Interest accrues from the date of loan. Rates are published at myhocu.com. Rates, terms and conditions are subject to change at any time without notice. As of January 1, 2018, the lowest rate for well qualified borrowers was 1.79% APR. Discounted rate will never be below standard published rate program.