Strengthen your foundation

Better savings rates help you build toward your future

No matter your savings goals, Hawaii Community Federal Credit Union can help you achieve them with savings rates that are working in your best interests.

Savings Rates

Effective Date: 9/25/2017
Type of Account Dividend Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Average Daily Balance to Avoid Service Fee Average Daily Balance to Obtain APY Disclosed
Share Savings Account 0.15% 0.1501% $50.00 $50.00 $50.00
Club Account 0.15% 0.1501% $50.00 $50.00 $50.00
Secondary Share Account 0.15% 0.1501% None None None
Construction Loan Share Account* 0.20% 0.2002% None None None
Real Estate Fee** 0.00% 0.00% None None None
Check Advantage Account 0.00% 0.00% None None None
Individual Retirement Account 1.00% 1.0046% $5.00 None $5.00
Youth Savings Account 0.1500% 0.1501% $5.00 $5.00 $50.00
Student Credit Union Account 0.1500% 0.1501% $5.00 $5.00 $50.00

* This account may only be used in conjunction with a member's approved construction loan.     
** This account may only be used in conjunction with a member's approved loan.     

Fees could reduce earnings on the account.

To view the Truth-in-Savings Disclosure Click Here.

Money Manager Rates

Effective Date: 9/25/2017
Type of Account Dividend Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Average Daily Balance to Avoid Service Fee Average Daily Balance to Obtain APY Disclosed
Savings
Tier 1 0.15% 0.1501% $5,000.00 $5,000.00 $0.00 - $4,999.99
Tier 2 0.20% 0.2002% $5,000 - $9,999.99
Tier 3 0.30% 0.3004% $10,000 - $24,999.99
Tier 4 0.40% 0.4007% $25,000 or greater
Checking
Tier 1 0.15% 0.1501% $5,000.00 $5,000.00 $0.00 - $4,999.99
Tier 2 0.20% 0.2002% $5,000 - $9,999.99
Tier 3 0.30% 0.3004% $10,000 - $24,999.99
Tier 4 0.40% 0.4007% $25,000 or greater
  • A minimum opening deposit of $5,000 is required.
  • Your money remains liquid and available, unlike certificates that can tie up your savings for years.
  • You will receive the Money Manager dividend rate and corresponding APY based on the average daily balance in your account for the month and the respective tier into which your account balance falls. If the average daily balance in your Money Manager Savings Account is less than $5,000, it will be subject to a service fee of Twenty Dollars ($20.00). If the average daily balance in your Money Manager Checking Account is less than $5,000, it will be subject to a service fee of Twenty Dollars ($20.00).
  • Fees could reduce earnings on the account.

To view the Truth-in-Savings Disclosure Click Here.

Premium Saver Rates

Effective Date: 9/25/2017
Type of Account Dividend Rate Annual Percentage Yield (APY) Minimum Deposit to Open Account Average Daily Balance to Avoid Service Fee Average Daily Balance to Obtain APY Disclosed
Savings
Tier 1 0.30% 0.3004% $50,000.00 $50,000.00 $0.00 - $49,999.99
Tier 2 0.40% 0.4007% $50,000 - $74,999.99
Tier 3 0.50% 0.5011% $75,000 - $99,999.99
Tier 4 0.60% 0.6017% $100,000 and greater
Checking
Tier 1 0.30% 0.3004% $50,000.00 $50,000.00 $0.00 - $49,999.99
Tier 2 0.40% 0.4007% $50,000 - $74,999.99
Tier 3 0.50% 0.5011% $75,000 - $99,999.99
Tier 4 0.60% 0.6017% $100,000 and greater
  • A minimum opening deposit of $50,000 is required.
  • Your money remains liquid and available, unlike certificates that can tie up your savings for years.
  • You will receive the Premium Saver dividend rate and corresponding APY based on the average daily balance in your account for the month and the respective tier into which your account balance falls. If the average daily balance in your Premium Saver Savings Account is less than $50,000, it will be subject to a service fee of Twenty Dollars ($20.00). If the average daily balance in your Premium Saver Checking Account is less than $50,000, it will be subject to a service fee of Twenty Dollars ($20.00).
  • Fees could reduce earnings on the account.

To view the Truth-in-Savings Disclosure Click Here.

Share Certificate Rates

Effective Date: 9/25/2017
Term Minimum Balance to Open IRA Certificate Minimum Balance Dividend Rate Annual Percentage Yield (APY)
3 month $2,000 $500 0.1998% 0.20%
6 month $1,000 $500 0.2996% 0.30%
9 month $1,000 $500 0.3993% 0.40%
12 month $1,000 $500 0.4989% 0.50%
18 month $500 $500 0.5984% 0.60%
24 month $500 $500 0.7474% 0.75%
36 month $500 $500 0.9954% 1.00%
48 month $500 $500 1.1935% 1.20%
60 month $500 $500 1.3911% 1.40%
Budget 12 month $200 N/A 0.1998% 0.20%

Fees could reduce earnings on the account.

To view the Truth-in-Savings Disclosure Click Here.

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