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
Open an Account

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
Open an Account

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
Learn More to Get Started

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
Open an Account

Ready to start saving and need more assistance?

Schedule an appointment online at one of our branches.

New Share Account | New Term Share Account

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 options that may have higher rates and 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*
^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 9/1/2021, and may change at any time without notice. Fees may reduce earnings. See Consumer Truth-in-Savings Non-Term Disclosure for more information.
Product Regular Share	Min. Opening Deposit $20	Min. Daily Balance to Earn APY None	APY* 0.05%
Product Individual Retirement Account	Min. Opening Deposit $100	Min. Daily Balance to Earn APY None	APY* 0.20%

Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY^†	APY^*
^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 9/1/2021, and may change at any time without notice. Fees may reduce earnings. ^† The Investment Share Account, Relationship Max Share and the Relationship Checking Account are tiered rate accounts. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account. See Consumer Truth-in-Savings Non-Term Disclosure for more information.
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^* 0.07%
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^* 0.15%
Balance $100,000 and above	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY^† $100,000	APY^* 0.20%

Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY**	APY***
^* Relationship Checking is required. Minimum opening deposit of $2,500 is required. See Consumer Truth in Saving Non-Term Disclosure for more information. ^ Relationship Max^SM Share is a tiered rate account. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account balance for that day. When a particular daily balance is met, the APY will apply to the full balance in that account. ^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 9/1/2021, and may change at any time without notice. Fees may reduce earnings.
Balance $0 - $24,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY** None	APY*** 0.03%
Balance $25,000 - $49,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY** $25,000	APY*** 0.03%
Balance $50,000 - $99,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY** $50,000	APY*** 0.20%
Balance $100,000 - $249,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY** $100,000	APY*** 0.25%
Balance $250,000 - $499,999.99	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY** $250,000	APY*** 0.30%
Balance $500,000 or greater	Min. Opening Deposit $2,500	Min. Daily Balance to Earn APY** $500,000	APY*** 0.30%

Terms	Min. Opening Deposit	APY^*
^* The Annual Percentage Yield (APY) is accurate as of 9/1/2021. An early withdrawal penalty may be imposed for early withdrawal. Fees may reduce earnings. See Consumer Truth-in-Savings Term Disclosure for more information.
Terms 6-month	Min. Opening Deposit $1,000	APY^* 0.15%
Terms 12-month	Min. Opening Deposit $1,000	APY^* 0.20%
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.

Nora K.

Grandparents with their three grandchildren.

Read Nora’s member story

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.

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

Open an account

Schedule an appointment at one of our branches.

Schedule an appointment

(808) 587-2700
1 (888) 586-1056
[email protected]

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 9/1/2021 and are subject to change without notice.

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.