Strengthen your savings through Money Markets, HSAs, Certificates, IRAs, and other deposit accounts.

The latest rates from HawaiiUSA FCU

Promotional Savings Rates

Effective date: May 1, 2024
Certificate Minimum Balance to Earn APY (Annual Percentage Yield) APY
6-Month Share Certificate (182 days)$500.005.15%
8-Month Share Certificate (243 days)$5,000.00**5.00%
13-Month Share Certificate (395 days)$10,000.004.00%
2-Year Share Certificate (730 days)$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† Requires new money defined as funds not currently on deposit with HawaiiUSA FCU and excludes funds withdrawn from HawaiiUSA FCU and redeposited into any account during the promotional period.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.

** 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

Personal Savings Rates

Effective date: May 1, 2024
Account Balance Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY
Share Savings$5.00$100.000.05%
Secondary Shares$25.00$100.000.05%
Safari Club$25.00$100.000.05%
Jump Start$25.00$100.000.05%
SuperShare<$10,000.00$10,000.00$100.000.05%
Super Share Account$10,000.00 - $35,000.00 balance$10,000.00$10,000.001.25%
Super Share AccountOver $35,000.00$10,000.00$35,000.011.25%
Premium Money Market Account<$50,000.00$50,000.00$100.000.05%
Premium Money Market Account$50,000.00 - $74,999.99$50,000.00$50,000.001.35%
Premium Money Market Account$75,000.00 - $99,999.99$50,000.00$75,000.001.35%
Premium Money Market Account$100,000.00 and greater$50,000.00$100,000.001.50%
Individual Health Savings Account$0.00 - $1,000.00$100.00$100.000.55%
Individual Health Savings Account$1,000.01 - $2,000.00$100.00$1,000.010.65%
Individual Health Savings Account$2,000.01-$5,000.00$100.00$2,000.010.75%
Individual Health Savings Account$5,000.01-$10,000.00$100.00$5,000.010.85%
Individual Health Savings AccountOver $10,000.00$100.00$10,000.011.05%
Family Health Savings Account$0.00 - $1,000.00$100.000.55%
Family Health Savings Account$1,000.01 - $2,000.00$100.00$1,000.010.65%
Family Health Savings Account$2,000.01 - $5,000.00$100.00$2,000.010.75%
Family Health Savings Account$5,000.01 - $10,000.00$100.00$5,000.010.85%
Family Health Savings Account>$10,000.00$100.00$10,000.011.05%
Super Draft Checking$1,000.00$100.000.02%
eLife Checking*Monthly qualifications not met$20.000.01%
eLife Checking*$0.00 - $10,000.00$20.005.00%
eLife Checking*Over $10,000.00$20.00$10,000.015.00-0.25%
Christmas SharesMaximum balance $5,000.00 (must be automatic deduction)$100.000.40%
IRA Share$500.00$500.000.05%
Roth IRA Share$500.00$500.000.05%

Savings rates and terms effective as of May 1, 2024. 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 and the Christmas Share account. These fees could reduce the earnings on the account. Please contact the Credit Union for more information.

*eLife Checking Qualifications: 10 or more debit card purchases (point-of-sale purchases), excluding ATM transactions. Receive one or more direct deposits, ACH debits/credits, or HawaiiUSA Online Bill Pay payments through this eLife Checking Account. Enrolled in eStatements.

Share Certificate Rates

Effective date: May 1, 2024
Certificate Minimum Balance to Earn APY (Annual Percentage Yield) APY
6-Month (182 days)$500.005.15%
8-Month (243 days) $5,000.00**5.00%
1-Year (365 days)$500.001.25%
1-Year Add-On (365 days)$500.001.35%
13-Month (395 days)$10,000.004.00%
2-Year (730 days)$2,500.00*3.50%
3-Year (1,095 days)$500.001.50%
5-Year (1,825 days)$500.002.00%
18-Month Income (547 days)$25,000.001.30%
18-Month (547 days)$500.001.30%
18-Month Jump Start Add-On$200.001.40%

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.

** 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

 

Jumbo Certificate Rates

Effective date: May 1, 2024
Certificate Minimum Balance to Earn APY (Annual Percentage Yield) APY
6-Month (182 days)$100,000.004.00%
1-Year (365 days)$100,000.003.85%

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

Individual Retirement Account (IRA) Rates

Last updated: December 6, 2023
Account Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY
1-Year (365 days)$500.00$500.001.25%
3-Year (1,095 days)$500.00$500.001.50%
5-Year (1,825 days)$500.00$500.002.00%
1-Year Roth (365 days)$500.00$500.001.25%
3-Year Roth (1,095 days)$500.00$500.001.50%
5-Year Roth (1,825 days)$500.00$500.002.00%