Let your savings grow without thinking twice.
Set your savings in motion and let it build in the background while you go about your day — from everyday purchases to bigger plans ahead. It’s an easy, consistent way to move closer to what matters most.
- Free account that builds your savings effortlessly
- Links to free Kasasa Cash® or Kasasa Cash Back® checking
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- 5.00% APY* on balances from $0.01 up to $50,000.00
- 5.00% to 0.250% APY on balances over $50,000.00 depending on balance in account*
- 0.05% APY* on all balances if qualifications are not met in Kasasa Cash or Kasasa Cash Back
- No monthly maintenance fee or minimum balance requirements
- Free digital banking services, including:
- Free Online Banking
- Free Mobile Banking
- Free e-Statements
- No minimum deposit required to open
It’s Easy to Qualify
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or 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
And if you don’t meet these qualifications, don’t worry — your Kasasa accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. Even more, the very next month you can get right back to earning your full rewards!
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Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: at least one direct deposit or ACH credit/payment transaction, at least 10 debit card purchases and be enrolled in and have agreed to receive e-statements rather than paper statements. 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 your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 5.00% and average daily balances over $50,000 earn a dividend rate of 0.249% on the portion of the average daily balance over $50,000 resulting in a range from 0.25% to 5.00% APY depending on the account's average daily balance. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/10/2025. APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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. Fees may reduce earnings.
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 (1) Direct Deposit or ACH payment or ACH credit, enrollment in e-statements and 10 point of sale purchases with your debit card that have posted and settled before the end of the statement cycle 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. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union 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 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