"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.
Helpful links
Open a Money Manager
A separate savings account that allows you to earn higher dividends.
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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.
Rates
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) (1) | Dividend Compounded | Dividends Credited | Dividend Period |
|---|---|---|---|---|---|
|
$0.00 - $2,499.99 |
|
|
Monthly |
Monthly |
Monthly (calendar) |
|
$2,500.00 - $99,999.99 |
|
|
Monthly |
Monthly |
Monthly (calendar) |
|
$100,000.00 - $249,999.99 |
|
|
Monthly |
Monthly |
Monthly (calendar) |
|
$250,000.00 or more |
|
|
Monthly |
Monthly |
Monthly (calendar) |
Rates effective as of: June 30, 2025
Disclosures
(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 $2,500.
(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 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
Open a Money Manager Account
New Members
Complete your application online or visit your nearest HFS branch.
Current Members
Open Account
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