Checking and Savings Account Relationship Package

Three generations of women in a family.

Relationship Package

Get the most value for your membership when you combine a Relationship Checking and a Relationship MAXSM Account. Maximize the power of both your loans and deposits and start to earn more for your money.

Enjoy Better Rates

Earn higher dividends on your deposits.

Earn Rewards for Loans

Receive an additional bonus for qualifying loan balances.

Consolidate Accounts

Manage both deposit & loan accounts in one place.

Relationship Checking

Get rewarded for your deposit and loan relationships with us. Earn a regular dividend on your Relationship Checking1 balance plus receive an additional Relationship Bonus if you have a qualifying loan balance.

  • Monthly Service Fee Waived
  • Earns Dividends
  • 1% Cash Back
  • ATM Fee Rebates

Learn More About Relationship Checking >>

Relationship MAXSM Share

Maximize your earnings with our highest yield liquid savings account for larger balances. Relationship MAXSM Share* rewards members with higher dividends, making this one of the best savings accounts in town. Designed to complement our Relationship Checking, saving money has never been more rewarding.

  • No Monthly Service Fee
  • Earns High Dividendsax
  • Real-Time Deposits
  • Complements Relationship Checking

Learn More About Relationship MAX Share >>

Get More Out of Your Savings!

Start earning more! Open a Relationship MAX* and take advantage of our highest yield account.

View Rates  |  Visit a Branch  |  Schedule an Appointment

Balance

Min. Opening Deposit

Min. Daily Balance to Earn APY**

APY***

Balance

$0 - $9,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

None

APY***

0.02%

Balance

$10,000 - $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$10,000

APY***

0.02%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.02%

Balance

$50,000 and above

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

0.03%

Balance

Min. Opening Deposit

Min. Daily Balance to Earn APY**

APY***

Balance

$0 - $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

None

APY***

0.05%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.05%

Balance

$50,000 - $99,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

1.00%

Balance

$100,000 - $249,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$100,000

APY***

2.00%

Balance

$250,000 - $499,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$250,000

APY***

2.00%

Balance

$500,000 or greater

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$500,000

APY***

2.00%

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Disclosures

1. The monthly service fee for the Relationship Checking Account is not charged if the primary member has a $25,000 combined balance at the Credit Union. The combined balance is calculated by adding the primary member’s average daily balances during the month for all consumer savings, checking and term share accounts, and the balances at the end of the month for all consumer loans, lines-of-credit, home equity lines of credit (HELOCs) and credit cards in good standing. Accounts must remain open at the end of the month to be included. Mortgages, business accounts and business loans are excluded. The Credit Union may determine the credit card balance on a date prior to the end of the month.

Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Checking Account Monthly Service Fee, Relationship Bonus and Relationship Checking Debit Card Cash Back.

* The Relationship MAX Annual Percentage Yield (APY) on daily balances of $100,000 or more is 2.00%. For daily balances from $0 to under $50,000, the APY is 0.05%; for daily balances between $50,000 to under $100,000, the APY is 1.00%. When a particular daily balance range is met, the rate will apply to the full balance in the account. Other accounts and terms are available. For example, our Regular Share account has an APY of 0.05% for all balances. Contact us to help determine which account may be best for you. APYs are current as of 10/31/2023, and may change at any time. Minimum to open a Relationship MAX account is $2,500. Relationship Checking is required for Relationship MAX, and it requires a minimum $2,500 to open. Certain terms and conditions apply. Fees may reduce earnings. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.

Federally insured by NCUA

See Consumer Truth-in-Savings Non-Term Disclosure for more information.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

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