Savings 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.
Private Line
Bank by phone anytime at (808) 536-7717 or toll free 1 (888) 557-6830.
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.
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Best if you want:
Best if you want:
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Earns dividends
Earns dividends
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Minimum opening balance
Minimum opening balance
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Mobile and Online Banking access
Mobile and Online Banking access
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ATM access
ATM access
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Maximum contributions
Maximum contributions
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Monthly service fees
Monthly service fees
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Regular Share1
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Best if you want:
A simple savings account that comes with your membership.
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Earns dividends
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Minimum opening balance
$20
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Mobile and Online Banking access
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ATM access
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Maximum contributions
None
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Monthly service fees
$5 per month waived with $100 average daily balance
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Investment Share1
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Best if you want:
To earn more for your savings.
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Earns dividends
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Minimum opening balance
$2,500
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Mobile and Online Banking access
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ATM access
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Maximum contributions
None
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Monthly service fees
$0
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Green Bucks1 (Holiday)
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Best if you want:
An automatic, monthly savings account that helps you plan ahead for the holidays.
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Earns dividends
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Minimum opening balance
$5
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Mobile and Online Banking access
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ATM access
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Maximum contributions
None
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Monthly service fees
$0
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Term Share2
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Best if you want:
A safe way to lock away your savings for six months to five years.
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Earns dividends
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Minimum opening balance
$1,000
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Mobile and Online Banking access
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ATM access
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Maximum contributions
None
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Monthly service fees
$0
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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.

Need a little extra help managing your finances?
Get Help Managing Your Money
We’ve partnered with Money Management International, the largest nonprofit, full-service credit counseling agency in the United States, to bring you free financial counseling and debt management.
Pick Up Some Saving Strategies
Saving for the future can be as simple as putting away a little money from every paycheck, or as complicated as calculating the compound interest and planning ahead decades in advance. Learn how to save like a pro with this short eLearning module.
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* 0.10% |
Product Green Bucks |
Min. Opening Deposit $5 |
Min. Daily Balance to Earn APY None |
APY* 0.10% |
Product Individual Retirement Account |
Min. Opening Deposit $100 |
Min. Daily Balance to Earn APY None |
APY* 0.35% |
Terms |
Min. Opening Deposit |
APY* |
---|---|---|
Terms 6 month |
Min. Opening Deposit $1,000 |
APY* 0.70% |
Terms 12 month |
Min. Opening Deposit $1,000 |
APY* 0.80% |
Terms 24 month |
Min. Opening Deposit $1,000 |
APY* 0.90% |
Terms 36 month |
Min. Opening Deposit $1,000 |
APY* 1.10% |
Terms 48 month |
Min. Opening Deposit $1,000 |
APY* 1.20% |
Terms 60 month |
Min. Opening Deposit $1,000 |
APY* 1.35% |
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* 0.05% |
Balance $2,500- $24,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $2,500 |
APY* 0.10% |
Balance $25,000- $49,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $25,000 |
APY* 0.15% |
Balance $50,000- $99,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $50,000 |
APY* 0.25% |
Balance $100,000 and above |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $100,000 |
APY* 0.35% |
Calculators to help you save and spend smart
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 $2,000 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
Stop by one of our branches
Contact us
(808) 587-2700
1 (888) 586-1056
[email protected]
1. Please see our Truth-in-Savings Disclosure for more information
2. Please see our Truth-in-Savings Disclosure for more information