Money Manager

Best Rate: 0.50% APY1

"We highly recommend HFS and encourage all of our family and friends to become members."
- Pam

Open a Money Manager Account

Aloha and thank you for thinking of HFS Federal Credit Union. We’d love to help you open a Money Manager Account today. Complete your application online or visit your nearest HFS branch.

Online Application

Find a Branch

If you are currently an HFS member and would like to add a Money Manager Account, please visit any HFS branch and a Member Service Representative would be happy to assist you. Stay tuned, we will be releasing online applications for current members within Online Banking soon.

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A separate savings account that allows you to earn higher dividends

  • Overview

    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

    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 $250,000.00.
    All current and available dividends and fees are available in the Rates and Fees tab.

    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 non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a Savings Account.

  • Reviews

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  • Rates & Fees
    Rates Effective as of: 01-27-2023

    Money Manager

    Dividend RateAnnual Percentage Yield (APY) (2)Dividend CompoundedDividends CreditedDividend PeriodMinimum Balance
    0.00%0.00%MonthlyMonthlyMonthly (calendar)$0.00 - $2,499.99
    0.35%0.35%MonthlyMonthlyMonthly (calendar)$2,500.00 - $99,999.99
    0.40%0.40%MonthlyMonthlyMonthly (calendar)$100,000.00 - $249,999.99
    0.50%0.50%MonthlyMonthlyMonthly (calendar)$250,000.00 or more

    (1) APY= Annual Percentage Yield. The 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 $250,000.00.

    (2) The stated dividend rates and fees may change after the account is opened and are subject to change. Fees may reduce earnings. The balance ranges and corresponding dividend rates and APYs applicable to each tier are disclosed on the Rates & Fees tab and the Credit Union's Truth-in-Savings Disclosure. Once a particular range is met, the dividend rate and the APY for the balance range will apply to the full balance of your account.
    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 non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a Savings Account.

    Truth in Savings Disclosure
    Schedule of Fees and Charges- Consumer Accounts
    Schedule of Fees and Charges- Business Accounts

  • Calculator

    Calculator

    Calculate your savings

    • $

    The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

  • FAQ

    Frequently Asked Questions

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