Savings

Term Share Options

Looking for ways to save your money? Term Shares and IRA Term Shares are certificate accounts for members who would like to save some extra money with a higher yielding savings vehicle for a specified term. Choose terms from six months to five years. 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.

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Term Share Options

Rates & Disclosures

Term Share Rate

Terms	Min. Opening Deposit	APY
6-month	$1,000	0.15%
9-Month	$1,000*	4.50%
12-month	$1,000	0.20%
13-month	$1,000**	3.35%
15-month	$1,000*	4.50%
24-month	$1,000	0.25%
36-month	$1,000	0.25%
48-month	$1,000	0.30%
60-month	$1,000	0.65%

*Month and 15 Month Term Share: 4.50% Annual Percentage Yield (APY) as of 10/1/2026. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. The 9 Month and 15 Month Term Share Accounts have a maximum aggregate balance of $250,000 per member, per term.

**13 Month Term Share: Minimum to open and earn APY is $1,000.

APYs are subject to change without notice. Rates are fixed for the initial term of the account only. Renewal rate may vary. APY assumes dividends remain in the term share until maturity. Fees may reduce earnings. A penalty may be imposed for early withdrawals. Offer is not applicable to IRA Term Share Accounts. Credit Union membership required. Available to Hawaii residents only.

Rates effective 10/01/2026

Federally insured by NCUA