Savings

Our interest is in seeing you build up a healthy savings account so you can achieve more of your personal and financial goals. With a HawaiiUSA savings account, your money will grow in value while you retain easy access to funds as you need them.

Savings

With our competitive rates and variety of options, we can help you find a personal savings account that fits your plan.

Prime Share

Here's the personal savings account that activates your HawaiiUSA membership. After you open this account, you begin using all of our valuable products and services. 

  • $5 minimum opening deposit
  • No setup fee or monthly account service fee
  • Access Online Banking and Direct Deposit
  • Complimentary American Express Travelers Cheques
  • One Cashier’s Check per day at no cost ($8 each additional)
  • No-cost Notary service for first two signatures
  • Access to HawaiiUSA's additional Branch Services

Secondary Share

When you're saving money for a specific goal, here's a helpful account that can get you there a little quicker. 

Super Share

If you're starting with a larger sum to deposit, the two-tiered rate structure on this savings account will pay larger dividends, depending on your qualifying balance.

  • $10,000 minimum opening deposit 
  • Unlimited deposits to grow your money at your own pace
  • No setup fee or monthly service account fee
  • Three withdrawals maximum per month
  • Access Online Banking and Direct Deposit

Premium Money Market Account 

High-yield savings with convenient access make our Premium Money Market Account an attractive savings solution for many members. With a three-tiered rate structure, your dividends increase as your balance grows. 

  • $50,000 minimum opening deposit 
  • Unlimited deposits to grow your money at your own pace
  • No setup fee or monthly service account fee
  • Access Online Banking and Direct Deposit
  • If your Average Daily Balance (ADB) drops below $50,000, your dividend rate reverts to the Prime Share rate

Christmas Club Account

'Tis always the season to save! You can plan ahead for a more joyful holiday season by saving for expenses and avoiding the stress of additional debt. 

  • Save up to $5,000 with no minimum opening deposit 
  • No setup fee or monthly service account fee
  • Deposits come from payroll deductions or transfers from your Savings or Checking account 
  • Access Online Banking
  • Club funds automatically transfer to your Savings or Checking account on October 16th
  • Accounts opened on or after August 1st will mature on October 16th of the following year
  Prime Share Secondary Share Super Share Premium Money Market Account Christmas Club Account
Earns dividends Yes Yes Yes Yes Yes
Tiered dividend rates No No Yes Yes No
Minimum opening balance $5 $25 $10,000 $50,000 None
Average daily balance required $5 $25 None $50,000 None
Maximum balance Unlimited Unlimited Unlimited Unlimited $5,000
Setup fee None None None None None
Access
  • Online Banking
  • eStatements and paper statements
  • Telephone Banking
  • Gold Debit MasterCard®1
  • No fees to use Bank of Hawaii ATMs
  • Automatic Transfers and Payments
  • Direct Deposit
  • Shared Branching access
  • Online Banking
  • eStatements and paper statements
  • Telephone Banking
  • Automatic Transfers and Payments
  • Direct Deposit
  • Online Banking
  • eStatements and paper statements
  • Telephone Banking
  • Automatic Transfers and Payments
  • Direct Deposit
  • Online Banking
  • eStatements and paper statements
  • Telephone Banking
  • Automatic Transfers and Payments
  • Direct Deposit
  • Online Banking
  • eStatements and paper statements
  • Telephone Banking
  • Automatic Transfers and Payments
  • Direct Deposit
Great value
  • Complimentary American Express Travelers Cheques
  • Complimentary Cashier’s Check (one per day)
  • Complimentary Notary service (first 2 signatures)
Check writing privileges – up to three per Statement Cycle      

1 $12 annual fee waived until further notice.