Become a Member

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

9-Month or 15-Month¹ Term Share Specials

Enjoy a fantastic term share rate to celebrate our 90th Anniversary!

Apply online
Find a branch near you
Important disclosure
Loading...
1. 9 Month and 15 Month Term Share: 4.50% Annual Percentage Yield (APY) as of 10/1/2026. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. The 9 Month and 15 Month Term Share Accounts have a maximum aggregate balance of $250,000 per member, per term.
APYs are subject to change without notice. Rates are fixed for the initial term of the account only. Renewal rate may vary. APY assumes dividends remain in the term share until maturity. Fees may reduce earnings. A penalty may be imposed for early withdrawals. Offer is not applicable to IRA Term Share Accounts. Credit Union membership required. Available to Hawaii residents only.
APY = Annual Percentage Yield. Rates effective 10/01/2026

9-Month or 15-Month Term Share¹

4.50%

APY

Compare Savings Accounts

Regular ShareAlways SavingRelationship MAXSM Share
Best if you wantA simple account without balance requirements or monthly service fees.To get into the habit of saving while earning a great rate.To bundle your deposit and loan accounts and earn a strong rate automatically.
Earns dividends
Minimum opening balance$20$100$2,500
Mobile & Digital Banking
ATM access
Maximum contributionsNoneNoneNone
Monthly service fees$0$5 per month waived with $500 average daily balance.$0
Open an accountLearn moreLearn more

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
Loading...
1. The Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings.
Rates effective September 30, 2026

Always Saving

heDDER heDDER heDDER
Balance Range Base APY¹ Qualified APY²
$0-$5,000.00 0.05% 5.00%
$5,000.01 and Over 0.05% 3.00%
Disclosures
Loading...
1. Annual percentage yields (APYs) are subject to change at any time without notice. The minimum balance to open the account is $100. A $5 monthly service charge applies if the account’s average daily balance falls below $500 for the month. You will have 60 days from account opening to obtain the minimum average daily balance before the monthly service fee is assessed. This 60-day waiver applies only to new Always Saving accounts, not converted accounts. Fees may reduce earnings.
2. To earn the higher rate, your balance must be higher than it was during the previous month when we review accounts for qualifications (excluding dividends for the current month). If it doesn’t increase, the base rate of 0.05% APY applies to the entire balance. For more information, please refer to the Hawaii State FCU Always Saving Truth-in-Savings Disclosure or contact the Credit Union.
Truth-In-Savings Disclosure
Available to Hawaii residents only. Credit Union membership is required. Federally insured by NCUA
Rates effective 10/01/2026

Right By You Savings

Applies to Existing Accounts Only. This account is no longer offered as of October 1, 2025.
heDDER heDDER heDDER heDDER
Balance Min. Opening Deposit Min. Daily Balance to Earn APY APY¹
$0-$250,000.00 $10,000 None 2.75%
$250,000.01 and above $10,000 $250,000.01 0.05%
Disclosures
Loading...
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 2.75%. 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 2.75% 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 10/01/2026

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
Loading...
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 September 30, 2026

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
Loading...
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

Secret Link