Every day is full of choices. From chores around the house, to savings decisions involving your hard-earned money, choosing wisely matters. But when it comes to time to actual make your decisions, it’s important to understand that wisdom and intelligence are not the same thing. Intelligence is the ability to process information in a logical way. Having a high intelligence, however, is not enough. Even the smartest person can be swayed by biases and skewed information. That’s why using wisdom to make wise choices matters so much; wisdom allows us to be aware and make necessary corrections, as well as seek help and expertise when available. This is at the very heart of what it means to make “wise choices.”


Here at HawaiiUSA, our mission is to help you to make wise choices. And that starts with making financial wellness understandable. Financial wellness involves the process of learning how to successfully manage your money—both income and expense. Your ability to manage your financial wellness is also a key component to being able to handle financial-related stress through keeping track of expenses, making a budget, and sticking to savings and spending goals.


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Saving made easy

One of the most essential parts of building your financial wellness and your ability to make financially wise choices is having a savings plan that works for you. Your savings is the foundation to unlocking a variety of ways to build up to something special. It’s looking towards a brighter financial future and allows you to plan for and achieve even bigger and better goals. It also means having more financial resources to cope with any of life’s unexpected surprises—good and bad. But with all the various account options out there, it’s easy to get lost in all the different nuances of each type. A great way to simplify the process is to identify the account characteristics and benefits that matter to you.


What type of savings account are you looking for?

Visit any of our conveniently located branches today and see for yourself how a HawaiiUSA can help you to choose wisely with your savings goals—whatever they may be.

Maximum accessibility – eLife Checking

The benefits of a checking account with the interest-earning attractiveness of a savings account for those that use their debit card for day-to-day transactions and utilize Online Banking/eStatements and direct deposit


Simple savings – Prime Share

A personal savings account ideal for those needing quick and easy access to manage your money while earning healthy interest


Safe and secure investment – Share Certificate

With as little as $500 for a minimum of 6 months, earn a guaranteed rate of return on your investment. 


Health-conscious – Health Savings Account (HSA)

A solution that focuses on your physical health and financial health, which lets you decide how to use your funds—pay for current health expenses while saving for future qualified medical expenses tax-free; a High Deductible Health Plan (HDHP) enrollment is required


Youth account (12 years old and under) – Savings Safari Club

Help your child understand the value of money while developing proper financial wellness behavior and good savings habits


Youth account (13 to 23 years old) – Jump-Start Student Program

Help your child understand the value of money while developing proper financial wellness behavior and good savings habits


Higher interest – Premium Money Market Account

A high-yield savings attractive savings solution for members who can maintain a higher average daily balance ($50,000) and want to earn more interest than a regular savings account


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Being a HawaiiUSA member matters

Not yet a HawaiiUSA member? We’re ready to walk alongside you on your financial wellness journey. Helping you achieve your goals and financial dreams, with personal and accessible financial solutions that fit your needs, is our commitment. Click below to learn more about what you can expect as a HawaiiUSA member and to become a member today.


HawaiiUSA membership benefits