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Share Certificates

"Thank you much for helping me with a start towards achieving my short & long term goals."

- Noland


A way to earn higher dividends by locking your funds in for a set term

Rates as high as 4.85% APY*

Final Balance

Contributions:     |    Earnings: 
Deposit amount

Why get Share Certificates from HFS?

Make your money work for you while you save and profit from the dividends earned. You can select terms ranging from 6 months to 5 years – all at competitive dividend rates.


Fixed Annual Percentage Yield (APY)


Minimum deposit of $2,500


Dividends deposited monthly

I'm looking forward for the years to come knowing my money will be safe.

— Destin

Additional Info


Have your opening deposit transferred from your Savings Account or bring cash, check, or Money Order to any of our six convenient locations

Frequently Asked Questions

  • Compounding is the process in which the dividends that the certificate earns are reinvested back into the certificate to generate larger dividend earnings over time. This growth occurs because the certificate will be earning dividends based on the original principal and the accumulated dividends earned from previous months.

Let Your Money Work for You

Earn higher dividends by locking in your funds for a set term.

  • 1APY= Annual Percentage Yield. A minimum deposit of $2,500.00 is required to earn the stated APY. The stated APY is based on a 6 month term. Other terms and yields available. The dividend rate and the APY are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the APY is based on an assumption that dividends will remain on deposit until maturity. Share Certificates may be subject to a penalty for early withdrawal. Fees may reduce earnings. Dividend rates subject to change.

    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.