Make your everyday spending work a little harder.
Enjoy cash back on debit card transactions, along with no monthly maintenance fees when you meet monthly qualifications. It's a simple way to get added value from your regular spending over time.
- Free checking that pays you back
- 3.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $108 cash back per year, $9 per month.
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Link to high-interest Kasasa Saver® account
- No monthly maintenance fee or minimum balance requirements
- Access via ATM, Online Banking, Telephone Banking and Mobile Banking 24/7
- Free digital banking services, including:
- Free Online Banking and Bill Pay
- Free Mobile Banking
- Free e-Statements
- Free debit card available
- Overdraft protection services available
- Overdraft Savings Transfer1
- Courtesy Pay
- No minimum deposit required to open
It’s Easy to Qualify
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- Be enrolled in and agree to receive e-Statements
- At least one direct deposit, ACH credit, or ACH payment transaction
It’s just that easy. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. Plus, you can get right back to earning your full rewards the very next month!
Protect your checking account from overdrafts with automatic transfers or Courtesy Pay for added peace of mind.
Overdraft Savings Transfer1
- Your Membership Savings account is linked upon request when you open your checking account.
- You must have enough funds in your linked Savings account to cover the full transaction amount.
- Coverage for Overdraft Savings Transfer service is free of charge.
Courtesy Pay
- Cover overdrafts from checks, ATM withdrawals, Automated Clearing House (ACH) transaction (including automatic bill payments) and debit card transactions if there are insufficient funds in the savings for an Overdraft Savings Transfer.
- There is a $25 fee for each overdraft and you have 30 days to bring the account to a positive balance.
- The credit union will not pay an overdraft if you have reached your overdraft limit plus fees.
1Overdraft Savings Transfer transfers funds, at no charge to you, from a linked Savings account to your checking account when there are insufficient or unavailable funds in your checking account. Your Savings account is linked to your checking account of choice after agreeing to Overdraft Savings Transfer coverage. See our CU Hawaii disclosures for more information.
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website at www.CUHawaii.com or contact one of our member service representatives for specific Monthly Qualification Cycle dates. "Business Day" means our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not included. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Visit our website at www.CUHawaii.com or contact one of our member service representatives for specific Statement Cycle dates.
Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 on a minimum of 10 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly one Direct Deposit, ACH payment, or ACH credit, 10 Debit Card transactions are required to post and settle to the accountholder's account during the statement cycle, and eStatements are conditions of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividend earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Type | APR |
|---|---|
| New Auto | As low as 4.49% |
| Used Auto | As low as 4.99% |
- APR determined by applicant's score
- No prepayment penalty
Business Credit Card
| Type | APR |
|---|---|
| Business Credit Card | 11.00% |
- No annual fees
Certificates & IRA Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Month | 3.500% | 3.500% |
| 12 Month | 3.700% | 3.700% |
| 18 Months | 3.250% | 3.250% |
| 24 Month | 3.250% | 3.250% |
| 36 Months | 2.750% | 2.750% |
| 48 Months | 2.750% | 2.750% |
| 60 Months | 2.750% | 2.750% |
The maximum permitted to be deposited into a Certificate is $1,000,000.00 in aggregate per Taxpayer Identification Number.
- No setup charges or annual maintenance fees
- Dividends credited monthly
- Additional deposits not permitted
- Early withdrawal penalties apply
- Please consult your tax advisor
Checking
| Account | APY |
|---|---|
| Regular Checking | 0.000% |
| Plus Checking* | 0.050% |
- No monthly fee
- Unlimited check writing
- Regular Checking - no minimum to open
- No fees for Debit Card usage
- *Earns dividends by maintaining an average daily balance of $2500.00 or more
- *Dividends compounded and credited monthly
- *Minimum to open Plus Checking is $2500.00
- *Minimum to earn dividends is $2500.00
Construction Loans
| Type | Term | Interest Rate | Points | APR |
|---|---|---|---|---|
| Construction - Contractor (Balloon) | 12 Months | 5.625% | 1.0 | 8.085% |
| Construction - Contractor | 372 Months | 7.500% | 1.0 | 7.762% |
| Construction - Owner Builder (Balloon) | 12 Months | 6.125% | 1.5 | 9.167% |
| Construction - Owner Builder | 372 Months | 8.000% | 1.5 | 8.330% |
| Construction - Investor - Contractor (Balloon) | 12 Months | 6.625% | 1.5 | 9.131% |
| Construction - Investor - Contractor (Balloon) | 192 / 372 Months | 9.125% | 1.5 | 9.517% |
- 1 year construction period
- Construction Permanent Financing
- Construction Loan converts to a 30 year term 1st Mortgage
- LTV for Contractor and Owner Builder is 80%. LTV for Investor is 70%
- * 12 month construction period followed by 180 month term with 360 month amortization. Balloon payment due at end of 180 months
Green Loans
| Type | Term | APR |
|---|---|---|
| Solar (Up to $15,000) | Up to 60 Months | As low as 6.00% |
- Call for current rates, terms and programs
Home Equity Line of Credit (HELOC)
| Type | Interest Rate | Points | APR |
|---|---|---|---|
| 3 Year Introductory Rate | 5.500% | 0.000 | 5.500% |
| 5 Year Introductory Rate | 6.000% | 0.000 | 6.000% |
- The Introductory Rate is fixed for the specific term and adjusted annually thereafter
- After the initial term, the APR will be based upon the 6-month US Treasury Bill constant maturity rate plus a margin of 3%
- 3% margin based on CLTV (Combined Loan to Value) of 80% or less (rounded up to the nearest 0.125%)
- Price floor is 5.000%, max rate not to exceed 18%
- CU Hawaii Federal Credit Union will pay for all necessary closing costs on approved lines up to $2500.00; however, if the line is closed within 3 years, the member is responsible for reimbursing the credit union for all fees. Estimated closing costs will approximately be between $0-$3,000
- No prepayment penalty
- Certain restrictions apply
IRA Savings
| Type | APY |
|---|---|
| Traditional & Roth | 0.050% |
- No setup charges or annual maintenance fees
- Dividends compounded and credited quarterly
- Please consult your tax advisor
Kasasa Rewards Checking
| Account | |
| Kasasa Cash | Click "Learn More" for APY rate and disclosures |
Kasasa accounts must meet the following account qualifications to earn the qualifying dividend rate and APY:
- A minimum of 10 debit card purchases post to your Kasasa Cash or Kasasa Cash Back account;
- You receive monthly e-Statements for the account; and
- You have a direct deposit, ACH credit, or ACH payment on your account at least once during the cycle.
- If qualifications are not met the account will earn 0.010% APY
- Dividends are compounded and credited monthly
Kasasa Rewards Savings
| Account | |
| Kasasa Saver | Click "Learn More" for APY rate and disclosures. |
Kasasa accounts must meet the following account qualifications to earn the qualifying dividend rate and APY:
- A minimum of 10 debit card purchases post to your Kasasa Cash or Kasasa Cash Back account;
- You receive monthly e-Statements for the account; and
- You have a direct deposit, ACH credit, or ACH payment on your account at least once during the cycle.
- If qualifications are not met the account will earn 0.050% APY
- Dividends are compounded and credited monthly
MasterCard® Credit Cards / Line of Credit
| Type | APR |
|---|---|
| MasterCard® Classic | 17.25% |
| MasterCard® Gold | 13.00% |
| MasterCard® Platinum (Rewards Card) | 11.00% |
| Overdraft Protection | 17.75% |
| Line of Credit | As low as 12.50% |
- Rates are fixed
- No Annual fees. For additional details on credit card fees, please CLICK HERE.
Money Market
| Account Balance | APY |
|---|---|
| $0 - $24,999.99 | 1.000% |
| $25,000 - $49,999.99 | 1.150% |
| $50,000 - $99,999.99 | 1.250% |
| $100,000 - $499,999.99 | 1.350% |
| $500,000 or more | 1.500% |
- Money Market is a tiered rate account
- $2,500.00 minimum opening balance
- $2,500.00 minimum balance to earn interest
- Excess withdrawal/transfer fees apply
- Dividends compounded and credited quarterly
Personal Loans
| Term | APR |
|---|---|
| 12 - 60 Months | As low as 5.49% |
- APR determined by applicant's score
- No prepayment penalty
Residential Mortgage Loans
| Program | Rate* | Points | APR* | Down Payment | Monthly Payment (principal & interest)* per $100,000 borrowed |
|---|---|---|---|---|---|
| 15Yr Fixed | 6.000% | 0.000 | 6.137% | 20% | $844.17 |
| 30Yr Fixed | 6.500% | 0.000 | 6.584% | 20% | $632.44 |
| 5Yr ARM** | 6.000% | 0.000 | 6.219% | 20% | $599.55 |
ADDITIONAL MORTGAGE OPTIONS AVAILABLE. PLEASE INQUIRE FOR MORE DETAILS.
- No prepayment penalty
- Certain restrictions apply
*Annual Percentage Rate (APR) and monthly principal and interest payments are based on a borrowed amount of $100.000. Payments do not include the required down payment, applicable maintenance fees, real estate taxes, insurance premiums, if appicable, and your actual payment obligation may be greater. Rates and Terms may change at any time without prior notice and are provided for informational purposes. Subject to credit approval. Certain restrictions apply.
**Adjustable Rate Mortgage (ARM) is a thirty year term with an intial fixed rate for the first five years, then adjusts annually thereafter. Your interest rate can increase or decrease every 12 months according to the current index. Monthly payments may change when the rate is adjusted. Adjustments are based on the Secured Overnight Financing Rate (SOFR) 30 day average plus 2.750% rounded up to the nearest 0.125%. Interest rate adjustments are subject to a floor rate of 4.750% and a maximum rate of 9.750%. Maximum annual adjustment is 2%.
Savings
| Account | APY |
|---|---|
| Membership Savings | 0.050% |
| Special Savings | 0.050% |
- No early withdrawal penalty
- Earn dividends by maintaining an average daily balance of $100 or more
- Dividends compounded and credited quarterly
- $50.00 to open
- $100.00 to earn dividends
Savings / Certificate Secured
| Type | APR |
|---|---|
| Savings | Savings Rate plus 3.00% |
| Savings (Balloon: Interest Only Payments) | Savings Rate plus 3.00% |
| Certificate | Certificate Rate plus 3.00% |
- Savings Secured: Floating APR
- Certificate Secured: Fixed APR
- No prepayment penalty
SmartScore Credit Builder Loan
| Term | APR |
|---|---|
| 12 Months | 5.00% |
- No prepayment penalty
- Certain restrictions apply
Our SmartScore loan is an exciting way to help you build or rebuild your credit!* Whether you’re starting fresh with no credit history or looking to improve a less-than-stellar credit score, this loan is designed for you. Plus, you’ll have the added benefit of saving some funds along the way!
*Your credit score will depend on your timely payments and financial habits. Results cannot be guaranteed. Please note that this product will not eliminate any negative credit history from your credit report.
Your Membership Savings account is used to pledge the collateral for your SmartScore loan. After successful repayment of the loan, the balance pledged in your Membership Savings account will be made available. If you fall 30 days delinquent, your SmartScore Loan will be settled and closed, using the funds previously pledged in your Membership Savings account.
Vacant Land Loans
| Type | Term | Interest Rates | APR |
|---|---|---|---|
| Future Primary Residence | 180 Months | 6.750% | 6.984% |
| Future Primary Residence (ARM**) | 180 Months | 6.000% | 8.619% |
| Future Primary Residence (Balloon) | 36 Months | 6.250% | 6.772% |
| Future Primary Residence (Balloon) | 60 Months | 6.500% | 6.844% |
| Investor Residential | 180 Months | 7.250% | 7.577% |
| Investor Residential (ARM**) | 180 Months | 6.500% | 9.207% |
| Investor Residential (Balloon) | 36 Months | 6.750% | 7.269% |
| Investor Residential (Balloon) | 60 Months | 7.000% | 7.339% |
- Balloon: Interest Only Payments
- Price floor is 8.125% APR, max rate not to exceed 18% APR
- LTV for Future Primary Residence is 80%. LTV for Investor is 75%
- No points for Future Primary Residence. 0.50 point for Investor
- No prepayment penalty