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A Share Certificate helps you set money aside for a specific period of time while working toward your savings goals.

A structured way to save.

A Share Certificate allows you to set aside funds for a selected term, helping you stay focused on your savings goals. This type of account is designed for members who want to plan ahead and build their savings over time.

Terms vary to give you flexibility based on your timeline. Whether you are saving for a future purchase or setting aside funds for a specific goal, a Share Certificate provides a structured way to grow your savings.

Because funds are committed for the term of the certificate, early withdrawal penalties may apply.

  • Multiple term options available
  • Higher earnings potential than a traditional savings account
  • Encourages consistent, goal based saving
  • Funds are set aside for a fixed period of time
  • Federally insured by NCUA

Explore savings accounts at Hawaii Community Federal Credit Union, offering secure, flexible options to help you build financial confidence across Hawaii.

Choose your Certificate term
Our Share Certificate terms range from 3 months to 60 months.

Choose the length of the term you'd like to secure your funds and earn a guaranteed dividend. Each term has a different minimum balance.

  • 3-Month: $2000
  • 6-Month: $1000
  • 9-Month: $1000
  • 12-Month: $1000
  • 18-Month: $500
  • 24-Month: $500
  • 36-Month: $500
  • 48-Month: $500
  • 60-Month: $500
  • 12-Month Budget: $200*

*The 12 Month Budget Share Certificate offers a flexible way to earn dividends while building your savings over time. During the 12 month term, you can make additional deposits in increments of $50. One withdrawal is allowed during the term without a penalty, as long as a minimum balance of $200 is maintained.

Early withdrawal penalties apply to share certificates.

If you withdraw a portion of your certificate and maintain the minimum required balance, the penalty applies only to the amount withdrawn. If your withdrawal reduces the balance below the minimum, the penalty will be applied as if the full certificate amount was withdrawn, and the certificate must be closed.

Membership requirements apply.

Frequently Asked Questions

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Phone Numbers

Main Number: 808-930-7700, Toll-Free: 800-514-2328        

Lost/Stolen VISA®

During Business Hours: 808-930-7700, After Hours: 800-847-2911  

Mailing Address:

73-5611 Olowalu Street, Kailua-Kona, HI 96740

Hawaii Community Federal Credit Union's routing number is 321379818.

We offer notary serives at all our branches. We recommend you call ahead to schedule an appointment at 808-930-7700.

We all want peace of mind when it comes to keeping our hard-earned money in savings accounts. Your Hawaii Community Federal Credit Union accounts are safe with us and insured by the NCUA for up to $250,000. If you need insurance beyond that amount, we'll help you structure your account so you can get additional coverage. Keep in mind our IRA accounts are insured separately up to $250,000, too.

Yes, Hawaii Community Federal Credit Union participates in shared branching. Whenever you're traveling on the mainland, you can still get easy access to your Hawaii Community Federal Credit Union account through our partnership with the CO-OP Network.

Locate a shared branch online or by calling 888-748-3266.

Tools to help you reach your goals

Refer Friends

When they open a checking account, you'll get a gift card, and they'll be entered to win a prize!

Free Checking

Easy Free Checking Account

Join our ohana today with an Easy Free Checking Account.

  • No monthly fee

  • Easy everyday banking

  • Access anywhere