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Money Manager

"HFS FCU is the best in town. They actually care and want to help people."

- Chris


A separate savings account that allows you to earn higher dividends

Rates as high as 1.11% APY*

Final Balance

Contributions:     |    Earnings: 

Why open a Money Manager Account?

If you want to save without locking your money into a term certificate, consider opening a Money Manager Account. You can increase your earning potential and maintain the flexibility to withdraw money as you need it.


Pays competitive monthly dividend rates on the entire account balance


Earn higher dividends than a Share and Checking Account, with no additional fees


Dividends paid monthly


Stated dividend rates paid on balances of $2,500.00 or more


Minimum withdrawal of $250.00

Amazing. It was my first time opening an account and the staff made it fast and easy. 10/10.

— Ash

Frequently Asked Questions

  • The rate you will receive will depend on the daily minimum balance of your Money Manager Account. Please reference our Money Manager Rates and Fees for the most current information.

  • If the balance of a Money Manager Account does not meet the minimum amount for any day during a calendar month, the account will earn the dividends of a Share Draft Account. Please see the Checking Account page for information on these current rates.

  • When making a withdrawal from your Money Manager Account the amount must be at least $250.00.

  • The Annual Percentage Yield is earned based on the daily balance of the Money Manger Account. For tiered accounts, once a particular range is met, the dividend rate and Annual Percentage Yield for the balance range will apply to the full balance of the account.

Open a Money Manager

A separate savings account that allows you to earn higher dividends.

  • 1The dividend rates and fees may change after the account is opened and are subject to change. Fees may reduce earnings. The minimum balance to earn the stated dividend rate is $2,500.
    View all current and available dividends and fees.

    Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account.

Fraudulent Text Messages claiming to be from HFS are being sent. If you received a text and are unsure of its legitimacy, please contact the credit union.