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Home > Loans & Accounts > Savings and Checking Accounts
 Savings & Checking

Savings
Establishing a savings account is your first step to member-ownership with Hawaii Schools Federal Credit Union. An initial deposit as low as $25.00 is all it takes to join and experience:

  • High dividends paid quarterly on average daily balances of $25 or more
  • Federal insurance of up to $250,000 by the NCUA through the National Credit Union Share Insurance Fund
  • $25.00 minimum balance requirement
  • No maximum balance limit
  • Available as a single, joint, single/joint with beneficiary(s) or living trust ownership
  • Full-Service account access with our Downtown Branch, KukuiLine Account Access by Phone, mail and ATMs
  • Access to our diverse line of financial products and services

Checking
Take advantage of our Checking Account program that offers convenience, saves you money and pays you back at the same time.

An initial deposit of $25 is all it takes to open your checking account and receive these terrific benefits:

  • Free of monthly service fees
  • Free of minimum balance requirement
  • Free of check writing fees
  • Free ATM card
  • Free access to your account 24 hours a day, 7 days a week with KukuiLine Online Access
  • Free eStatements
  • Free Online Bill Payer access
  • Free 24-hour access with KukuiLine Account Access by Phone 
  • Optional overdraft protection

For current rates, click here.

Important Information:  All credit union products and services are subject to membership eligibility.  All loans are subject to credit review.

 


 

NOTICE OF CHANGES TO TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS. All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules. The term "noninterest-bearing account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, moneymarket deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.