Get more for what you already have

For a limited-time only, earn more on your money with a special 13-Month Share Certificate:

  • Earn 4.50% APY*
  • Minimum opening deposit of $10,000
  • Earn quarterly dividends; paid out at quarterly
  • No maximum for this account

 

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Why a Share Certificate might be the right move for you 

So, you’ve paid your bills on-time and in-full. You also started an emergency fund with three-to-six months’ worth of essential living expenses for the “just in case.” If this sounds like you, you may find yourself wondering what to do with any extra money you have saved up. But if the notion of stashing your cash around the house, or hiding it under your mattress for that matter, sounds like something you’d do, it’s time to STOP! Instead of holding on to your cash at home, choose wisely and purchase a special 13-Month Share Certificate for these reasons:

  1. Let your hard-earned money grow by earning interest
    Your money won’t be able to work for you by leaving it at home. In fact, keeping cash hidden away is the quickest way for your wealth to essentially go backwards due to inflation. In other words, cash can do the most for you today if you allow it to grow. When you purchase your 13-Month Share Certificate, your cash will be able to earn a very healthy 4.50% APY* and keeping you on the path to greater financial wellness.
     
  2. Choose security
    Although it may be hidden in a shoebox or under your mattress, keeping your cash at home still makes it extremely vulnerable. What if you’re robbed? What if there’s a fire? What about a natural disaster such as a hurricane or flood? At HawaiiUSA, your money is backed by the NCUA’s insurance guarantee of up to $250,000 per person.
     
  3. Avoid the “Where is it?” panic
    We all forget things every now and then. In the case of hidden money, however, those lost memories can be financially costly. Don’t risk hiding your money in places you won’t remember or in containers that may accidentally get thrown away.