Savings

Always Saving

A new savings account that builds consistent saving habits to help you reach your financial goals.

Contribute to your Always Saving account to receive a better rate.

3 Steps to Always Saving

With the Always Saving Account, earning the qualified rate is simple — just grow your balance month over month. If your balance at the end of the month is higher than it was the month before, you earn the qualified rate.

1. Understand What You Can Save

Building a budget helps you see how much you can comfortably set aside each month. Even a small amount has impact over time, the key is consistency.

2. Build Your Savings Habit

Saving each month creates momentum, discipline is the quiet habit that builds your future. And with automation, like sunshine and rain, your savings keeps growing without stress.

Direct deposits
ACH deposits
Mobile banking scheduled transfers
Pre‑authorized transfers

3. Adjust as Life Changes

Your financial life will evolve as raises, new expenses, and shifting priorities happen. Check in every 3 months to make sure your contribution amount still fits your budget.

View disclosures

Always Saving

Rates & Disclosures

Always Saving Rate

Balance Range	Base APY¹	Qualified APY²
$0-$5,000.00	0.05%	5.00%
$5,000.01 and Over	0.05%	3.00%

1. Annual percentage yields (APYs) are subject to change at any time without notice. The minimum balance to open the account is $100. A $5 monthly service charge applies if the account’s average daily balance falls below $500 for the month. You will have 60 days from account opening to obtain the minimum average daily balance before the monthly service fee is assessed. This 60-day waiver applies only to new Always Saving accounts, not converted accounts. Fees may reduce earnings.

2. To earn the higher rate, your balance must be higher than it was during the previous month when we review accounts for qualifications (excluding dividends). If it doesn’t increase, the base rate of 0.05% APY applies to the entire balance. For more information, please refer to the Hawaii State FCU Always Saving Truth-in-Savings Disclosure or contact the Credit Union.

Rates effective 05/01/2026.

Available to Hawaii residents only. Credit Union membership is required.

Federally insured by NCUA