Savings and Term Accounts
Open An Account
Helping you save for the future is at the heart of what we do at
Hawaii State FCU.
Earn Dividends
On your daily balance.
Real-Time Deposits
No delays or holds for direct deposit or most automatic payroll.
Free Financial Advice
Boost your savings strategy with some no-cost help and advice.
Unlimited Surcharge-Free ATM Withdrawals
At all Hawaii State FCU and Bank of Hawaii ATMs.
Free Online Banking & Mobile App
Make mobile check deposits, view eStatements and make transfers.
-
Best if you want:
Best if you want:
-
Earns dividends
Earns dividends
-
Minimum opening balance
Minimum opening balance
-
Mobile and Online Banking access
Mobile and Online Banking access
-
ATM access
ATM access
-
Maximum contributions
Maximum contributions
-
Monthly service fees
Monthly service fees
-
Regular Share1
-
Best if you want:
A simple savings account that comes with your membership.
-
Earns dividends
-
Minimum opening balance
$20
-
Mobile and Online Banking access
-
ATM access
-
Maximum contributions
None
-
Monthly service fees
$5 per month waived with $100 average daily balance
-
Investment Share1
-
Best if you want:
To earn more for your savings.
-
Earns dividends
-
Minimum opening balance
$2,500
-
Mobile and Online Banking access
-
ATM access
-
Maximum contributions
None
-
Monthly service fees
$0
-
Relationship MAX Share1
-
Best if you want:
Our highest yield account for larger balances to maximize earning power.
-
Earns dividends
-
Minimum opening balance
$2,500
-
Mobile and Online Banking access
-
ATM access
-
Maximum contributions
None
-
Monthly service fees
$0
-
Term Share2
-
Best if you want:
A safe way to lock away your savings for six months to five years.
-
Earns dividends
-
Minimum opening balance
$1,000
-
Mobile and Online Banking access
-
ATM access
-
Maximum contributions
None
-
Monthly service fees
$0
-
Ready to start saving and need more assistance?
Schedule an appointment online at one of our branches.
15-Month Term Share Special* and 13-Month Term Share Special.** Limited-time offer!
For more information, please call
Oahu: (808) 587-2700
US Toll-Free: (888) 586-1056
Or, visit any one of our branch locations.
Looking for Higher Earning Options? We Can Help.
The team at Hawaii State Investment Services through CUSO Financial Services, L.P.3 can help you discover other high interest savings account options that allow your money to work even harder for you. Learn more.
Schedule an Appointment
|
Product |
Min. Opening Deposit |
Min. Daily Balance to Earn APY |
APY* |
|---|---|---|---|
|
Product Regular Share |
Min. Opening Deposit $20 |
Min. Daily Balance to Earn APY None |
APY* 0.03% |
|
Product Individual Retirement Account |
Min. Opening Deposit $100 |
Min. Daily Balance to Earn APY None |
APY* 0.18% |
|
Balance |
Min. Opening Deposit |
Min. Daily Balance to Earn APY† |
APY* |
|---|---|---|---|
|
Balance $0- $2,499.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† None |
APY* 0.03% |
|
Balance $2,500- $24,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $2,500 |
APY* 0.05% |
|
Balance $25,000- $49,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $25,000 |
APY* 0.07% |
|
Balance $50,000- $99,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $50,000 |
APY* 0.10% |
|
Balance $100,000 and above |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $100,000 |
APY* 0.15% |
|
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*** 0.02% |
|
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 - $99,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $50,000 |
APY*** 0.15% |
|
Balance $100,000 - $249,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $100,000 |
APY*** 0.17% |
|
Balance $250,000 - $499,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $250,000 |
APY*** 0.22% |
|
Balance $500,000 or greater |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $500,000 |
APY*** 0.22% |
|
Terms |
Min. Opening Deposit |
APY* |
|---|---|---|
|
Terms 6-month |
Min. Opening Deposit $1,000 |
APY* 0.15% |
|
Terms 12-month |
Min. Opening Deposit $1,000 |
APY* 0.20% |
|
Terms 13-month (Special) |
Min. Opening Deposit $5,000** |
APY* 3.25% |
|
Terms 15-month (Special) |
Min. Opening Deposit $5,000*** |
APY* 4.00% |
|
Terms 24-month |
Min. Opening Deposit $1,000 |
APY* 0.25% |
|
Terms 36-month |
Min. Opening Deposit $1,000 |
APY* 0.25% |
|
Terms 48-month |
Min. Opening Deposit $1,000 |
APY* 0.30% |
|
Terms 60-month |
Min. Opening Deposit $1,000 |
APY* 0.65% |
Calculators to help you save and spend smart
Member Testimonial
When it comes to money and savings, this retiree has done an admirable job managing the finances for several generations of her family. Nora started a savings account for all three grandkids, starting with an initial $1,000 deposit. Her lessons on savings is carried throughout the family.
Where Money Has a Heart
Grants & Scholarships
Hawaii State FCU has already awarded more than half a million dollars in scholarships since 1996. Recipients each receive $5,000 to be used toward a university, college or trade/vocational school.
Giving
It’s important to recognize and appreciate everything our Hawaii teachers do for our kids. That’s why we created the Investing in Education Grant. The money can be used to buy classroom supplies, books, electronics and more.
Volunteering
We believe in volunteering for worthwhile causes in our local communities. Look for us out in the community year-round as we do our part to improve the lives of others.
Ready to start saving?
Start your online application
Schedule an appointment at one of our branches.
Contact us
1. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information
2. Please see our Consumer Truth-in-Savings Term Disclosure for more information
*15 Month Term Share: All funds must come from another financial institution.
**13 Month Term Share: Maximum of $50,000 per member; minimum of $5,000 must come from another financial institution.
Annual Percentage Yields (APYs) are as of December 1, 2022, and are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earnings. The Term Share will automatically renew at maturity for a standard 12 Month Term Share at our prevailing dividend rate. Offer is not applicable to IRA Term Share or Business Term Share Accounts. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility and additional terms.
3. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through Hawaii State Federal Credit Union. Hawaii State Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.
Federally insured by NCUA