5.15% APY 6-Month Share Certificate Learn more
5.00% APY 8-Month Share Certificate Learn more
4.00% APY 13-Month Share Certificate Learn more
3.50% APY 2-Year Share Certificate Learn more

Grow your money effortlessly

Lock in your rate and earn dividends as your Certificate matures

Choose your term

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

Boost your savings significantly

Share Certificates are high-yield, interest-bearing savings accounts

Backed by the U.S. government

Your deposits are insured by the NCUA to the maximum $250,000

Earn higher interest rates with Share Certificates from HawaiiUSA Federal Credit Union.

  • Limited-time promotion on 6-Month, 8-Month, 13-Month, and 2-Year Share Certificates
  • 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

Share Certificate Details

Effective date: May 1, 2024
Share Certificate Term Minimum Opening Deposit Dividend Period
6 Month (182 days)$500Maturity
8 Month (243 days)$5,000**Monthly
1 Year (365 days)$500Quarterly
13 Month (395 days)$10,000Quarterly
18 Month (547 days)$500Quarterly
18 Month Income (547 days)$25,000Monthly
3 Year (1,095 days)$500Quarterly
5 Year (1,825 days)$500Quarterly

A penalty may be imposed for early withdrawal.

† Requires new money defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA FCU and redeposited into any account during the promotional period. A penalty may be imposed for early withdrawal.

** Minimum balance requirement to open this account and earn advertised APY is $5,000 of new money.

  • 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

  • This special Certificate lets you bump up your dividend rate one time during the term, if rates rise overall

  • Open with a $2,500 minimum deposit

  • 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

Promotional Share Certificate 2-Year

Effective date: May 1, 2024
Certificate Minimum Balance to Earn APY (Annual Percentage Yield) APY
2-Year Share Certificate (730days)†$2,500.00*3.50%

A penalty may be imposed for early withdrawal.

† Requires new money defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA FCU and redeposited into any account during the promotional period. A penalty may be imposed for early withdrawal.

* Minimum balance requirement to open this account and earn advertised APY is $2,500 of new money.

  • 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 Hawa

  • 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 Share Certificate Rates

Effective date: May 1, 2024
Share Certificate Term Minimum Opening Deposit Dividend Period
6 Month CD (182 days)$100,000Maturity
1 Year CD (365 days)$100,000Quarterly

A penalty may be imposed for early withdrawal.

  • 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 Hawa

  • Available for children with a HawaiiUSA Youth Savings Accounts
  • May make additional deposits up to $100,000 (minimum deposits of $20)
  • You have the option to withdraw money at term's end, or reinvest in the Share Certificate with automatic renewal until the last day of the month of the accountholder's 24th birthday
  • 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

Youth Add-On Share Certificate Rates

Last updated: August 30, 2023
CD Term Minimum Opening Deposit Dividend Period
1 Year Add-On CD (365 days)$200Quarterly
18 Month Add-On CD (547 days)$200Quarterly

Time to maximize your savings!

Visit us to discuss all your options and open a Certificate designed for your savings time table.

Frequently asked questions

Savings and checking accounts serve different purposes, and each has its advantages. A savings account is designed for long-term savings and those with higher interest rates can help your money grow over time. It's ideal for emergency funds or saving for specific goals. On the other hand, a checking account provides easy access to your funds for daily transactions, bill payments, and ATM withdrawals. With an interest-bearing checking account, you can earn money from the cash you deposit. To effectively manage your finances, it's recommended to have both types of accounts. Keep a sufficient balance in your checking account for everyday expenses and use a savings account to accumulate savings and earn interest.

Three key reasons why you should have a savings account are:

  1. Emergency preparedness: A savings account provides a financial safety net for unexpected expenses, ensuring you have funds readily available during emergencies or unforeseen circumstances.
  2. Goal-oriented saving: save systematically for specific financial goals, such as a down payment on a home, a dream vacation, or starting a business. It helps you stay organized and disciplined in achieving your objectives.
  3. Interest accumulation: By keeping your money in a savings account, you can earn interest on your balance, allowing your savings to grow over time. The compounding effect of interest can significantly enhance your overall savings and provide passive income.

A Share Certificate and a CD (Certificate of Deposit) are essentially the same. They both represent fixed-term deposit accounts offered by banks and credit unions. The main difference lies in the terminology used by these institutions. Share Certificates are typically offered by credit unions, while CDs are commonly used by banks. Both products have predetermined terms, locked-in funds, and fixed interest rates. Early withdrawal may result in penalties. In terms of their function and benefits, they provide a secure investment option with a guaranteed return, making them suitable for individuals looking to earn interest on their savings over a fixed period.

A Share Certificate can be advantageous in several situations: 

  1. Higher interest rates: Share Certificates often offer higher interest rates compared to regular savings accounts. This can be beneficial if you want to maximize your earnings on a fixed amount of money over a specific term.
  2. Fixed-term savings: If you have a specific savings goal on a set timeline, such as saving for a down payment on a house or a major purchase, a Share Certificate allows you to lock in your funds for a predetermined period and earn interest until maturity.
  3. Financial discipline: By placing funds in a Share Certificate, you commit to not accessing the money until the term ends. This can help you avoid impulsive spending and maintain disciplined saving habits.

Share Certificate Resources

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