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 on average daily balances of $25.00 or more

  • Federal Insurance of up to $250,000.00 by the NCUA through the National Credit Union Share Insurance Fund

  • Available as a single, joint, single/joint with beneficiary(s) or living trust ownership

  • Full-Service Account Access with our Downtown Branch, Account Access by Phone, Online Account Access, eStatement, and mail

  • Access to our diverse line of financial products and services

  • Free ATM Card

Checking

Take advantage of our Checking Account program that offers convenience and saves you money.

An initial deposit of $25.00 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 Debit Card

  • Free access to your account 24 hours a day, 7 days a week with Online Account Access

  • Free eStatements

  • Free Online Bill Payer Access

  • Free 24-hour access with Account Access by Phone

  • Optional Overdraft Protection

Deluxe Provent   Bill Payer

Share Certificates

For higher rates and dividends, open a Share Certificate with us for a minimum deposit of $2,500.00. Our rates and terms are very competitive and a great way for you to build your savings. View our list of current interest rates. Here’s why you should open a Share Certificate:

  •  Guaranteed or fixed rate of return. You decide which term and rate you want

  • A wide range of short and long term investing with terms between 6 months and 60 months

  • Share Certificates are federally insured by the National Credit Union Administration (NCUA), a US government agency. Each account is federally insured up to $250,000.00, so you know your funds are safe and sound

Super Saver Share Certificate

For a maximum deposit of $1,000.00, open a high yielding 1-year Share Certificate at Hawaii Schools FCU called a Super Saver Share Certificate. View our current list of interest rates. It’s a guaranteed, fixed rate of return, and is federally insured by the National Credit Union Administration (NCUA), a US government agency, up to $250,000.00.

Holiday Club Savings

For one of the highest yielding Holiday Savings Accounts of any Hawaii financial institution, open a Holiday Club Savings Account at Hawaii Schools Federal Credit Union. View our current list of interest rates. Minimum opening deposit is $5.00. Maximum deposit amount per month is $200.00.

We can also assist you with making arrangements for automatic contributions to your Holiday Club Savings Account via transfers from your Hawaii Schools Federal Credit Union Checking or Savings Account, or via Direct Deposit from your paycheck. Signing up is easy.

This is the best Holiday Savings Account in town so don’t delay, open a Holiday Club Savings Account today!  For more information, call our branch at (808) 521-0302.

Kids Club Savings

Teach your children or grandchildren a good habit and the value of saving by opening a Kid’s Club Account. This Savings Account pays an above-market rate with a maximum deposit of $100.00 per month. View our current list of interest rates. Withdrawals are allowed at any time, and when the child turns 18 years old, the funds will automatically transfer to his/her regular Savings Account. By then, your children or grandchildren should be well-positioned to take advantage of our Member Rewards Program.