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.
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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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Relationship MAX Share1
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Best if you want:
Our highest yield account for larger balances to maximize earning power.
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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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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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Relationship MAXSM Share
For larger balances, maximize your earning power with our highest yield savings account. Relationship MAXSM Share3 rewards members with higher dividends, making this one of the best saving accounts in town. Designed to compliment our Relationship Checking, saving money has never been more rewarding.
Learn More About Relationship MAX
13-Month Term Share
Special limited-time offer.4
Call or visit any branch.
Oahu: (808) 587-2700
Toll-free: 1 (888) 586-1056
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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* 0.20% |
|
Product Green Bucks (existing accounts only) |
Min. Opening Deposit $5 |
Min. Daily Balance to Earn APY None |
APY* 0.20% |
|
Product Individual Retirement Account |
Min. Opening Deposit $100 |
Min. Daily Balance to Earn APY None |
APY* 0.45% |
|
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* 0.20% |
|
Balance $25,000- $49,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $25,000 |
APY* 0.25% |
|
Balance $50,000- $99,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $50,000 |
APY* 0.35% |
|
Balance $100,000 and above |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY† $100,000 |
APY* 0.55% |
|
Balance |
Min. Opening Deposit |
Min. Daily Balance to Earn APY** |
APY*** |
|---|---|---|---|
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Balance $0 - $24,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** None |
APY*** 0.05% |
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Balance $25,000 - $49,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $25,000 |
APY*** 0.10% |
|
Balance $50,000 - $99,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $50,000 |
APY*** 1.25% |
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Balance $100,000 - $249,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $100,000 |
APY*** 1.25% |
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Balance $250,000 - $499,999.99 |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $250,000 |
APY*** 1.25% |
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Balance $500,000 or greater |
Min. Opening Deposit $2,500 |
Min. Daily Balance to Earn APY** $500,000 |
APY*** 1.25% |
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Terms |
Min. Opening Deposit |
APY* |
|---|---|---|
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Terms 6-month |
Min. Opening Deposit $1,000 |
APY* 0.85% |
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Terms 12-month |
Min. Opening Deposit $1,000 |
APY* 1.00% |
|
Terms 13-month – Promo1 |
Min. Opening Deposit $1,000 |
APY* 1.30% |
|
Terms 24-month |
Min. Opening Deposit $1,000 |
APY* 1.10% |
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Terms 36-month |
Min. Opening Deposit $1,000 |
APY* 1.30% |
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Terms 48-month |
Min. Opening Deposit $1,000 |
APY* 1.40% |
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Terms 60-month |
Min. Opening Deposit $1,000 |
APY* 1.50% |
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
Stop by 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
Rates are effective 1/1/2020 and are subject to change without notice.
3. The Relationship Max Annual Percentage Yield (APY) on daily balances of $50,000 or more is 1.25%. For daily balances between $0 and $24,999, the APY is 0.05%; for daily balances between $25,000 and $49,999, the APY is 0.10%. 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 0.20% for all balances. Contact us to help determine which account may be best for you. APYs are current as of January 1, 2020, and may change at any time. Relationship Checking is required for Relationship Max. Minimum to open a Relationship Max account is $2,500. Certain terms and conditions apply. Must be a Hawaii resident. Credit union membership required. Contact us for eligibility.
See Consumer Truth-in-Savings Non-Term Disclosure for more information.
4. APY = Annual Percentage Yield. Minimum $1,000 from another financial institution and a maximum cap of $50,000 per member. A penalty may be imposed for early withdrawals. Fees may reduce earnings. Term Share will automatically renew at maturity for a 12 Month Term Share at the prevailing dividend rate. Offer not applicable to IRA Term Share or Business Term Share Accounts. APY accurate as of December 1, 2019, and is subject to change without notice. Hawaii State Federal Credit Union membership required.
Federally Insured by NCUA