With your HawaiiUSA eLife Checking Account, get rewarded with 5.00% APY* on your money just by living your normal day-to-day life!

Earning 29.4x** more than most credit unions pay is as simple as 1-2-3:

  1. Make 10 or more debit card purchases

  2. Enroll and receive eStatements

  3. Receive one direct deposit, ACH transaction, or HawaiiUSA Online Bill Pay payment


Open an eLife Checking account


And the best part is you’re probably already doing all of it!  Find out how your purchases stack up by logging into Digital Banking. Here’s an example of a typical week that demonstrates how simple earning more can be.


Log in to Digital Banking and check your eStatement

Debit card purchase #1: Download the eBook you’ve been eyeing on becoming a coffee expert

Debit card purchase #2: Pay for your streaming video subscription



Debit card purchase #3: Pick up breakfast on-the-go



Debit card purchase #4: Get lunch delivered

Debit card purchase #5: Stop by the supermarket for groceries



Debit card purchase #6: Fill up on gas

Debit card purchase #7: Pay for your shaving subscription



Debit card purchase #8: Get a baby registry gift online



Debit card purchase #9: Pick up dinner

Debit card purchase #10: Flash sale online: The espresso machine you want is 50% off



Pay bills with Digital Banking and Bill Pay

Dream about the 5.00% APY you earned by using eLife Checking and the money you’ll save by making espresso at home!

eLife Checking Account Rates

Dividend Rate Annual Percentage Yield (APY)
Base Rate10.01% 0.01%
Tiered Balances to Earn APY2Dividend RateAnnual Percentage Yield (APY)
$0 to $10,000.004.88%5.00%
$10,000.01 or more0.05%5.00% - 0.25%**

APY = Annual Percentage Yield.


APY is based on balances of $10,000.01 and $250,000.00. APY decreases on larger balances as dividends are earned at a lower dividend rate.

Rates are effective as of March 1, 2023 and are subject to change without notice. Minimum balance to open the account is $20.00. Fees may reduce earnings on the account.


Dividend Rate paid on entire balance if Transaction Qualifications are not met.


Dividend Rates paid for each tiered balance when ALL Transaction Qualifications are met for each qualification cycle.


Comparison based on HawaiiUSA eLife 5.00% APY vs. the credit union national average Interest Checking rate (0.17%) as of 2/28/2023 sourced from National Association of Federal Credit Unions in cooperation with SNL Financial and Datatrac Corp.


Each month’s qualification cycle ends on the second to the last day of each month. The eLife Checking: Qualifications document—which contains the various qualification cycles and other important information—is available to download or can be obtained at any HawaiiUSA FCU branch. Your Debit Card transactions and direct deposit/ACH transactions must be posted or cleared on the account to be counted within each qualification cycle. It may take up to three business days before the transaction posts or clears the account.