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Savings & Term Accounts

Helping you save for the future.

Open an account

Enjoy exceptional perks with every savings account from Hawaii State FCU.

Limited-time offer

5-Month¹ and 11-Month² Term Share Specials

Visit a branch location or contact Member Services to open your term share account today.

Find a branch near you
Disclosures
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1. 5 Month Term Share: Minimum to open and earn Annual Percentage Yield is $5,000. Opening deposit must be from another financial institution.
2. 11 Month Term Share: Minimum to open and earn Annual Percentage Yield is $1,000.
Annual Percentage Yields (APYs) are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earnings. Offer is not applicable to IRA Term Share Accounts. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.
Rates effective 09/01/2025

5-Month Term Share​

3.60%

APY¹

3.40% APY² | 11-Month Term Share

Limited-time offer

Hawaii's Best Savings Rate.²

Earn more with a Right By You savings account. Visit a branch today to open your account!

Find a branch near you
Disclosures
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1. This is a limited-time account and rates are subject to change at any time. Annual Percentage Yield (APY) on daily balances up to $250,000.00 is 3.60%. For daily balances $250,000.01 and over, the APY is 0.05% on that portion of the daily balance, resulting in a range of 3.60% to 0.05% APY depending on the account’s daily balance. A minimum of $10,000 in new funds is required to open a RBY Account. Certain terms and conditions apply. Fees may reduce earnings. Available to Hawaii residents only. Credit Union membership is required.
Rates effective 09/01/2025

2. Based on the published Annual Percentage Yield (APY) for balances up to $250,000 from the 4 largest banks based in Hawaii on 8/27/2025. Conditions differ for each institution.

Right By You Savings

3.60% APY¹ | Up to $250k
0.05% APY¹ | Above $250k

Compare Savings Accounts

Regular ShareInvestment ShareRelationship MAXSM ShareTerm Share
Best if you wantA simple savings account that comes with your membership.To earn more for your savings.Our highest yield account for larger balances to maximize earning power.A fixed savings account for a set term.
Earns dividends
Minimum opening balance$20$2,500$2,500$1,000
Mobile & Digital Banking
ATM access
Maximum contributionsNoneNoneNoneNone
Monthly service fees$5 per month waived with $100 average daily balance$0$0$0
Open an accountOpen an accountLearn moreOpen an account

Useful terms

Dividend

Another word for interest.

Share

The credit union version of a savings account - because our members are owners.

Term Share

Our version of a Certificate of Deposit (CD) that lets you earn a higher rate of return.

Need help picking an account?

Savings & Term Share Rates

Regular Share & IRA

heDDER heDDER heDDER heDDER
Product Min. Opening Deposit Min. Daily Balance to Earn APY APY¹
Regular Share $20 None 0.05%
Individual Retirement Account $100 None 0.20%
Disclosures
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1. The Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings.
Rates effective August 31, 2025

Right By You Savings

heDDER heDDER heDDER heDDER
Balance Min. Opening Deposit Min. Daily Balance to Earn APY APY¹
$0-$250,000.00 $10,000 None 3.60%
$250,000.01 and above $10,000 $250,000.01 0.05%
Disclosures
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1. This is a limited-time account and rates are subject to change at any time. Annual Percentage Yield (APY) on daily balances up to $250,000.00 is 3.60%. For daily balances $250,000.01 and over, the APY is 0.05% on that portion of the daily balance, resulting in a range of 3.60% to 0.05% APY depending on the account’s daily balance. A minimum of $10,000 in new funds is required to open a RBY Account. Certain terms and conditions apply. Fees may reduce earnings. Available to Hawaii residents only. Credit Union membership is required.
Rates effective 09/01/2025

Relationship MAX℠ Share

heDDER heDDER heDDER heDDER
Balance Min. Opening Deposit Min. Daily Balance to Earn APY APY¹
$0 - $24,999.99 $2,500.00 None 0.05%
$25,000 - $49,999.99 $2,500.00 $25,000.00 0.05%
$50,000 - $99,999.99 $2,500.00 $50,000.00 1.00%
$100,000 - $249,999.99 $2,500.00 $100,000.00 2.00%
$250,000 - $499,999.99 $2,500.00 $250,000.00 2.00%
$500,000 or greater $2,500.00 $500,000.00 2.00%
Disclosures
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1. The Relationship MAX Share is a tiered rate account requiring a Relationship Checking account. The APY for the applicable balance tier applies to the entire account balance each day. APY is subject to change without notice, and fees may reduce earnings.
Rates effective August 31, 2025

Investment Share

heDDER heDDER heDDER heDDER
Balance Min. Opening Deposit Min. Daily Balance to Earn APY APY¹
$0-$2,499.99 $2,500 None 0.05%
$2,500- $24,999.99 $2,500 $2,500 0.07%
$25,000- $49,999.99 $2,500 $25,000 0.18%
$50,000- $99,999.99 $2,500 $50,000 0.18%
$100,000 and above $2,500 $100,000 0.18%
Disclosures
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1. The Investment Share Account, is a tiered rate account. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account. The Annual Percentage Yield (APY) for each tier is subject to change at any time without notice. Fees may reduce earnings.
Rates effective August 31, 2025

Investment Services

Looking for higher earning options? We can help.

Our financial advisors can help you discover other high interest savings account options.
Learn more
Disclosures
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1. Hawaii State Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance AgencyLLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither Cetera Investment Services, nor Cetera Investment Advisers are affiliated with the financial institution where investment services are offered. Cetera is under separate ownership from any other named entity. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency.
Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

FAQs

Can I have more than one savings account?

Yes, there’s no limit to the number of savings accounts you can have.

Do you offer Certificates of Deposit (CDs)?

We offer Term Shares (also known as share certificates) that work similarly – both savings accounts that have a set term that can range from months to years. Both offer similar benefits such as higher returns and low risk.

How much do I need to open a savings account?

The minimum opening deposit is $20 for a Regular Share account.

Ready to open your savings account?

Apply online

Open an account

Visit a branch

Schedule appointment
Contact Member Services

(808) 587-2700
1 (888) 586-1056
memberservices@hsfcu.com