We're planning for 2020 and it's time for you to save smarter!

If you have some extra cash and want to earn more than your normal savings or checking account, consider a share certificate with HFS Federal Credit Union. A share certificate can help you earn more money back by locking in the funds for a set period of time.

Until January 31, 2020, earn a 2.02% Annual Percentage Yield for 2 years with a minimum deposit of $2,500!

You can start earning money for your keiki’s college, build up your emergency fund, your retirement or even your future dream wedding. You decide what’s worth saving for.

Learn more about our Share Certificates

Give us a call or find your nearest branch to open a Share Certificate

Insured by NCUA. 1. APY=Annual Percentage Yield. A minimum deposit of $2,500.00 is required to earn the stated APY. The stated APY is based on a 2 year (24 month) term. Other rates and terms available. HFS Share Certificates accrues compound interest and may be subject to a penalty for early withdrawal. Fees may reduce earnings.
Membership with the Credit union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on Hawaii Island. A non-refundable $1.00 fee is required to establish membership with the Credit Union. A minimum opening balance of $50.00 is required to open a Savings Account.
Hurry, offer is valid from December 1, 2019 through January 31, 2020.

Read what others have to say about HFS FCU

five gold stars

Excellent Customer Service

Tended to by courteous and informed personnel. Banking is very convenient.- Dave


five gold stars

Been with HFS over 40 years, great friendly staff. Always very helpful, love them!! – Mili

4 replies to “2.02% Share Certificates


Where are your branches near university of Hawaii?


Posted by: Jesica

Aloha Bev,

We have two branches within close proximity to the University. One is located at the Prince Kuhio Plaza (111 East Puainako Street), near Longs. Our other branch is located at 632 Kinoole Street. Mahalo!

Juan Alvarado

I called to set up a share certificate and the service representative told me that I have to visit a branch to make this transaction.
I was told earlier that I could do this by phone.
Can you please verify the information?
Thank you


Posted by: Jesica

Hi Juan,

You are able to open a share certificate by phone, as long as you have a telephone passcode. We apologize for the incorrect information that you were given. Please feel free to give us a call again to proceed with opening a share certificate. If you have any more trouble, please let us know. Mahalo!

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