1. Annual percentage yields (APY) are current as of 5/1/2026 and subject to change at any time without notice. The Always Saving account earns a Base APY of 0.05%. You may earn a higher rate when your balance increases from the previous month, excluding dividends; otherwise, the Base APY applies to the entire balance. Qualified APY of 5.00% on balances up to $5,000 and 3.00% on balances above $5,000. Minimum Opening Balance of $100. Monthly Service Charge of $5 if the average daily balance falls below $500. You have 60 days from account opening to meet the minimum average daily balance before the fee is assessed; this waiver applies only to new Always Saving accounts. For more information, please refer to the HSFCU Always Saving Truth‑in‑Savings Disclosure or contact the Credit Union.
2. Offer available from May 18, 2026 through June 30, 2026, to new members who graduate from high school in calendar year 2026. Eligibility must be verified by a valid high school‑issued ID displaying the graduation year. Offer valid for Always Savings Account only. A minimum opening deposit of $100 is required. Open to Hawaii residents only. Credit Union membership is required.
A $50 Graduation Gift will be credited to the account after eligibility is verified and will be deposited no later than July 10, 2026. Limit one Graduation Gift per member. This offer cannot be combined with any other offer and may change or be discontinued at any time without prior notice. Payment may be subject to form 1099-INT reporting requirements. Other terms and conditions may apply. Visit a branch or contact us for more information.
A new savings account that builds consistent saving habits to help you reach your financial goals. Contribute to your Always Saving account to earn a better rate.
