Savings Rates
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.
|
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 | 0.05% | 0.05% | $50.00 | $50.00 | $50.00 |
| Business Savings Account | 0.05% | 0.05% | $50.00 | $50.00 | $50.00 |
| Club Account | 0.05% | 0.05% | $50.00 | $50.00 | $50.00 |
| Secondary Share Account | 0.05% | 0.05% | None | None | None |
| Construction Loan Share Account* | 0.10% | 0.10% | None | None | None |
| Real Estate Fee** | 0.00% | 0.00% | None | None | None |
| Easy Free Checking Account | 0.00% | 0.00% | None | None | None |
| 50 Advantage Interest Checking Account | 0.55% | 0.55% | None | None | None |
| Benefits Checking Account*** | 0.00% | 0.00% | None | None | None |
| Individual Retirement Account | 1.35% | 1.36% | $5.00 | None | $5.00 |
| Coverdell Education Savings Account | 1.35% | 1.36% | $5.00 | None | $5.00 |
| Youth Savings Account | 0.05% | 0.05% | $5.00 | $5.00 | $50.00 |
| Student Credit Union Account | 0.05% | 0.05% | $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.
***Benefits Checking Accounts will be charged a monthly fee of $6.95.
Fees could reduce earnings on the account. Early withdrawal penalties will or may be imposed. Rate may change after the account is opened. Membership requirements apply.
|
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
|
|---|---|---|---|---|---|
| Tier 1 | 0.30% | 0.30% | None | $2,500.00 | $0.00 - $2,499.99 |
| Tier 2 | 0.80% | 0.80% | None | $2,500.00 | $2,500.00 or greater |
- Your money remains liquid and available, unlike certificates that can tie up your savings for years.
- You will receive the Performance Interest Checking 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 Performance Interest Checking Account is less than $2,500, it will be subject to a service fee of $6.95.
- Fees could reduce earnings on the account. Early withdrawal penalties will or may be imposed. Rate may change after the account is opened. Membership requirements apply.
|
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
|
|---|---|---|---|---|---|
| Tier 1 | 0.80% | 0.80% | $5,000.00 | $5,000.00 | $0.00 - $4,999.99 |
| Tier 2 | 0.85% | 0.85% | $5,000.00 | $5,000.00 | $5,000 - $9,999.99 |
| Tier 3 | 0.95% | 0.95% | $5,000.00 | $5,000.00 | $10,000 - $24,999.99 |
| Tier 4 | 1.05% | 1.06% | $5,000.00 | $5,000.00 | $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).
- Fees could reduce earnings on the account. Early withdrawal penalties will or may be imposed. Rate may change after the account is opened. Membership requirements apply.
|
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
|
|---|---|---|---|---|---|
| Tier 1 | 1.05% | 1.06% | $50,000.00 | $50,000.00 | $0.00 - $49,999.99 |
| Tier 2 | 1.15% | 1.16% | $50,000.00 | $50,000.00 | $50,000 - $74,999.99 |
| Tier 3 | 1.25% | 1.26% | $50,000.00 | $50,000.00 | $75,000 - $99,999.99 |
| Tier 4 | 1.35% | 1.36% | $50,000.00 | $50,000.00 | $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).
- Fees could reduce earnings on the account. Early withdrawal penalties will or may be imposed. Rate may change after the account is opened. Membership requirements apply.
|
Term
|
Minimum Balance to Open
|
IRA/ESA Certificate Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|---|---|
| 3 Month | $2,000 | $500 | 1.00% | 1.00% |
| 6 Month | $1,000 | $500 | 1.98% | 2.00% |
| 9 Month | $1,000 | $500 | 3.69% | 3.75% |
| 12 Month | $1,000 | $500 | 3.69% | 3.75% |
| 18 Month | $500 | $500 | 3.45% | 3.50% |
| 24 Month | $500 | $500 | 3.20% | 3.25% |
| 36 Month | $500 | $500 | 2.96% | 3.00% |
| 48 Month | $500 | $500 | 2.96% | 3.00% |
| 60 Month | $500 | $500 | 2.96% | 3.00% |
| Budget 12 Month | $200 | N/A | 2.72% | 2.75% |
Fees could reduce earnings on the account. Early withdrawal penalties will be imposed. Membership requirements apply.
Explore competitive rates at Hawaii Community Federal Credit Union, designed to help you make informed financial decisions across Hawaii.
Frequently Asked Questions
Hawaii Community Federal Credit Union proudly offers Business Accounts for the following business types:
- Non-Profit Organizations
- Associations
- Sole Proprietorship
- Partnerships
- Corporations
- Limited Liability Companies
- Limited Liability Partnerships
Designed for our young members, our Youth Savings account allows your keiki 18 years of age or younger to start saving early. With a Youth Savings account, an adult or parent is required to hold joint-membership of the account until the minor is of age to hold the account alone.
Account is eligible for Deposit Days.
Membership Benefits
A better home for your money
Enjoy personalized service, low fees, higher deposit rates and more.
