Boost your savings significantly

Business Share Certificates provide a high-yield, interest-bearing account for your business funds

Set it and forget it

Lock in your rate and safely earn dividends as your Certificate matures

Track growth in Digital Banking

You have anytime access to watch your savings increase

Choose your term

Save for a few months or a few years, depending on your goals

Invest your funds for secure growth through a HawaiiUSA Federal Credit Union Business Share Certificate.

Build up reserves for your business

Business Certificate Rates

Last updated: February 1, 2024
Business Certificate Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY
6-Month (182 days)1$500.00$500.001.25%
1-Year (365 days)2$500.00$500.001.25%
2-Year (730 days)4$2,500.00$2,500.004.00%
3-Year (1,095 days)2$500.00$500.001.50%
5-Year (1,825 days)2$500.00$500.002.00%
18-Month Income (547 days)3$25,000.00$25,000.001.30%
18-Month (547 days)2$500.00$500.001.30%
8-Month (243 days)5$5,000.00$10,000.005.00%
13-Month (395 days) 2$10,000.00$10,000.004.75%

1 Dividend paid at maturity
2 Dividend paid quarterly
3 Dividend paid monthly

4 Dividend paid monthly. Minimum balance requirement to open this account and earn advertised APR is $2,500 of new money. New money is defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA and redeposited into any account during the promotional period. Effective date 2/1/2024.

5 Dividend paid monthly. Minimum balance requirement to open this account and earn advertised APR is $5,000 of new money. New money is defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA and redeposited into any account during the promotional period. Effective date 2/1/2024.

  • You have the option to withdraw money at term's end or reinvest in the Share Certificate with automatic renewal

  • Dividends can be paid into your Savings, Checking, or back into the Certificate account

  • Track your money's growth through Digital Banking and the HawaiiUSA Mobile App

Jumbo Certificate Rates

Last updated: January 31, 2024
Certificate Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY
6-Month (182 days)5$100,000.00$100,000.004.95%
1-Year (365 days)6$100,000.00$100,000.004.85%

Dividend paid at maturity; effective 2/1/2024
Dividend paid quarterly

  • You have the option to withdraw money at term's end or reinvest in the Share Certificate with automatic renewal

  • Dividends can be paid into your Savings, Checking, or back into the Certificate account

  • Track your money's growth through Digital Banking and the HawaiiUSA Mobile App

Put your idle cash to work

A Business Share Certificate maximizes your savings.

Business Savings Resources

1

Savings rates and terms effective as of December 1, 2020. The dividend Rate and Annual Percentage Yield (APY) may change at any time and without notice, as determined by the credit union Board of Directors. Additional non-interest earning deposit products available. Fees may be charged on an early withdrawal in Share Certificates. These fees could reduce the earnings on the account. Please contact the Credit Union for more information.

1Dividend paid at maturity
2Dividend paid quarterly
3Dividend paid monthly