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.
Savings Rates
Effective Date: December 22, 2022
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 Account0.05%0.0500%$50.00$50.00$50.00
Club Account0.05%0.0500%$50.00$50.00$50.00
Secondary Share Account0.05%0.0500%NoneNoneNone
Construction Loan Share Account*0.10%0.1000%NoneNoneNone
Real Estate Fee**0.00%0.00%NoneNoneNone
Checking Account0.00%0.00%NoneNoneNone
Individual Retirement Account0.85%0.8533%$5.00None$5.00
Education Savings Account0.85%0.8533%$5.00None$5.00
Youth Savings Account0.05%0.0500%$5.00$5.00$50.00
Student Credit Union Account0.05%0.0500%$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 Rate & Fee Disclosure Click Here.

Money Manager Rates
Effective Date: January 1, 2023
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 10.40%0.4007%$5,000.00$5,000.00$0.00 - $4,999.99
Tier 20.45%0.4509%$5,000.00$5,000.00$5,000 - $9,999.99
Tier 30.55%0.5514%$5,000.00$5,000.00$10,000 - $24,999.99
Tier 40.65%0.6519%$5,000.00$5,000.00$25,000 or greater
Checking
Tier 10.40%0.4007%$5,000.00$5,000.00$0.00 - $4,999.99
Tier 20.45%0.4509%$5,000.00$5,000.00$5,000 - $9,999.99
Tier 30.55%0.5514%$5,000.00$5,000.00$10,000 - $24,999.99
Tier 40.65%0.6519%$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). 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 Rate & Fee Disclosure Click Here.
Premium Saver Rates
Effective Date: January 1, 2023
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 10.65%0.6519%$50,000.00$50,000.00$0.00 - $49,999.99
Tier 20.75%0.7526%$50,000.00$50,000.00$50,000 - $74,999.99
Tier 30.85%0.8533%$50,000.00$50,000.00$75,000 - $99,999.99
Tier 40.95%0.9541%$50,000.00$50,000.00 $100,000 and greater
Checking
Tier 10.65%0.6519%$50,000.00$50,000.00$0.00 - $49,999.99
Tier 20.75%0.7526%$50,000.00$50,000.00$50,000 - $74,999.99
Tier 30.85%0.8533%$50,000.00$50,000.00$75,000 - $99,999.99
Tier 40.95%0.9541%$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). 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 Rate & Fee Disclosure Click Here.
Share Certificate Rates
Effective Date: February 7, 2023
Term Minimum Balance to Open IRA/ESA Certificate Minimum Balance Dividend Rate Annual Percentage Yield (APY)
3 month$2,000$5000.4989%0.50%
6 month$1,000$5001.2429%1.25%
9 month$1,000$5001.2429%1.25%
12 month$1,000$5002.4718%2.50%
18 month$500$5002.4718%2.50%
24 month$500$5002.4718%2.50%
36 month$500$5002.4718%2.50%
48 month$500$5002.4718%2.50%
60 month$500$5002.7159%2.75%
Budget 12 month$200N/A1.4898%1.50%
Fees could reduce earnings on the account.

To view the Rate & Fee Disclosure Click Here.
Frequently Asked Questions

Hawaii Community Federal Credit Union proudly offers Small 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
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