Better rates, better savings. Save up for the things that matter to you.

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Share & Income Certificates

When you have some extra money and need short-term, high-yield savings options, our Certificates are fantastic business decisions. Your rate of return is guaranteed for the term that you choose.

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Save for a future business purchase or create a healthier business emergency fund by opening one of HawaiiUSA's Share or Income Certificates. With these options, you'll receive a higher interest rate than other business savings accounts.

Minimum opening deposits range from $500 to $25,000, depending on Certificate type
Choose terms ranging from 6 months to 5 years
Dividends paid monthly, quarterly or at maturity, depending on Certificate type
Combined monthly statements result in easy reconciling of all accounts