Savings

Regular Share

Your Regular Share Account is opened when you join us and serves as your basic membership account. With a minimum of $100 (one par value per member), you’ll start enjoying all the benefits Hawaii State FCU has to offer, while earning competitive dividends on your balance. A minimum opening deposit requirement applies.*

Earn Dividends

On your daily balance.

Real-Time Deposits

No delays or holds for direct deposit or most automatic payroll.

Free Financial Advice

Boost your savings strategy with some no-cost help and advice.

Unlimited Surcharge-Free ATM Withdrawals

At all Hawaii State FCU and Bank of Hawaii ATMs.

Free Online Banking & Mobile App

Make mobile check deposits, view eStatements and make transfers.

View disclosures

Regular Share

Rates & Disclosures

Savings Account Rates

Product	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY
Regular Share	$20.00	None	0.05%
Individual Retirement Account	$100.00	None	0.20%

^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 05/01/2025, and may change at any time without notice. Fees may reduce earnings.

See Consumer Truth-in-Savings Non-Term Disclosure for more information.