Interest Rates

Checking Accounts

Effective Date: August 3, 2018

Account TypeMinimum
Opening Balance
Minimum Balance
Required to Earn APY
Annual
Percentage
Yield (APY)
Hawaii's Best Checking$100None0.02%
Money Market Checking $1,000 $0 to $999.990.02%
$1,000 or more0.05%
Teen or Student Checking$25None0.02%
Interest rate and Annual Percentage Yield (APY) subject to change without notice after the account is opened. Fees could reduce earnings on the account.

 

Savings Accounts

Effective Date: August 3, 2018

Account TypeMinimum
Opening Balance
Minimum Balance
Required to Earn APY
Annual
Percentage
Yield (APY)
Statement Savings$10None0.25%
Student Savings$10None0.25%
Student Savings with Student Checking$10None0.50%
Passbook Savings$10None0.25%
Keiki Savings$10None0.25%
Money Market Deposit$1,000$0 to $999.990.15%
$1,000 or more0.20%

Interest rate and Annual Percentage Yield (APY) subject to change without notice after the account is opened. Fees could reduce earnings on the account.

 

Special Certificate of Deposits (CDs) and IRA CDs

Effective Date: August 3, 2018

Account TypeMinimum
Opening Balance
Minimum Balance
Required to Earn APY
Annual
Percentage
Yield (APY)
3-5 Month CD$1,000 $1,000 0.55%*
6-8 Month CD$1,000 $1,000 0.80%*
9-11 Month CD$1,000 $1,000 1.00%*
12-23 Month CD$1,000 $1,000 1.25%*

*Deposited funds must be from another Financial Institution.

 

Certificate of Deposits (CDs) and IRA CDs

Effective Date: August 3, 2018

Account TypeMinimum
Opening Balance
Minimum Balance
Required to Earn APY
Annual
Percentage
Yield (APY)
3-5 Month CD$1,000 $1,000 0.20%
6-8 Month CD$1,000 $1,000 0.25%
9-11 Month CD$1,000 $1,000 0.30%
12-23 Month CD$1,000 $1,000 0.50%
24-35 Month CD$1,000 $1,000 0.60%
36-Month CD$1,000 $1,000 1.25%
48-Month CD$1,000 $1,000 1.50%
60-Month CD$1,000 $1,000 2.00%

A penalty may be imposed for early withdrawal.  For IRA accounts, terms start at 6 months.