Strengthen your business savings with competitive rates on these accounts. 

The latest rates from HawaiiUSA Federal Credit Union

Promotional Business Savings Rates

Effective date: February 1, 2024
Certificate Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY
2-Year Share Certificate$2,500.00$2,500.004.00%
8-Month Share Certificate (243 days)††$5,000.00$5,000.005.00%
13-Month Share Certificate (395 days)†††$10,000.00$10,000.004.75%
6-Month Jumbo Share Certificate (182 days)††††$100,000.00$100,000.004.95%

† Dividend paid quarterly. 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 New money is defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA FCU and redeposited into any account during the promotional period. A penalty may be imposed for early withdrawal. Effective date 2/1/2024.
†† Dividend paid monthly. Minimum balance requirement to open this account and earn advertised APR is 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 New money is defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA FCU and redeposited into any account during the promotional period. A penalty may be imposed for early withdrawal. Effective date 2/1/2024.
††† Dividend paid quarterly

†††† Dividend paid monthly.

  • 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

Business Savings Rates

Effective date: February 28, 2024
Account Balance Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY
Business Share$5.00$100.000.05%
Business Super Share<$10,000.00$10,000.00$100.000.05%
Business Super Share$10,000.00 - $35,000.00 balance$10,000.00$10,000.001.25%
Business Super Share>$35,000.00 balance$10,000.00$35,000.011.25%
Business Money Market Account<$50,000.00$50,000.00$100.000.05%
Business Money Market Account$50,000.00 - $74,999.99$50,000.00$50,000.001.35%
Business Money Market Account$75,000.00 - $99,999.99$50,000.00$75,000.001.35%
Business Money Market Account$100,000.00 - $499,999.99$50,000.00$100,000.001.50%
Business Money Market Account$500,000.00 - $999,999.99$50,000.00$500,000.001.60%
Business Money Market Account$1,000,000.00 - $1,999,999.99$50,000.00$1,000,000.001.75%
Business Money Market Account$2,000,000.00 - $4,999,999.99$50,000.00$2,000,000.004.50%
Business Money Market Account> $5,000,000.00$50,000.00$5,000,000.004.75%

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