UPDATE: NEW TEMPORARY BRANCH HOURS: Effective Monday, August 3, 2020, all of our branches will be operating with NEW temporary hours. The first hour of operation at each branch remains reserved for seniors and members with serious pre-existing conditions. View new branch hours. To schedule an appointment, click here or contact our Member Service Call Center.

Savings and Term Accounts

Open An Account
Happy family of three.

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

    Checkmark

  • Minimum opening balance

    $20

  • Mobile and Online Banking access

    Checkmark

  • ATM access

    Checkmark

  • 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

    Checkmark

  • Minimum opening balance

    $2,500

  • Mobile and Online Banking access

    Checkmark

  • ATM access

    Checkmark

  • 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

    Checkmark

  • Minimum opening balance

    $2,500

  • Mobile and Online Banking access

    Checkmark

  • ATM access

    Checkmark

  • 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

    Checkmark

  • 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.

New Share Account  |  New Term Share Account

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 (existing accounts only)

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%

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*

0.45%

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***

0.05%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.05%

Balance

$50,000 - $99,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

0.40%

Balance

$100,000 - $249,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$100,000

APY***

0.45%

Balance

$250,000 - $499,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$250,000

APY***

0.50%

Balance

$500,000 or greater

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$500,000

APY***

0.55%

Terms

Min. Opening Deposit

APY*

Terms

6-month

Min. Opening Deposit

$1,000

APY*

0.30%

Terms

12-month

Min. Opening Deposit

$1,000

APY*

0.40%

Terms

24-month

Min. Opening Deposit

$1,000

APY*

0.40%

Terms

36-month

Min. Opening Deposit

$1,000

APY*

0.50%

Terms

48-month

Min. Opening Deposit

$1,000

APY*

0.50%

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.

Nora K.
Grandparents with their three grandchildren.

Where Money Has a Heart

Unlike a bank that’s more concerned with profit, we’re a not-for-profit concerned with our member’s financial and personal well-being. We’re all about people helping people. We hope that it shows in everything we do.
scholarships icon

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 icon

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 icon

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

Open an account

Schedule an appointment at one of our branches.

Schedule an appointment
Disclosures

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 8/1/2020 and are subject to change without notice.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website

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