Credit union · NCUA insured
Hawaii Schools FCU Savings Rates
A $76.7M credit union headquartered in Honolulu, HI, with 3,352 members and 1 branch in Hawaii.
How Hawaii Schools FCU’s savings rates compare
Compared with banks and credit unions in Hawaii, where Hawaii Schools FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii Schools FCU
5.00%APY
- Requires
- Conditions apply
- Minimum
- $0
- Earns on $10,000 a year
- $500
Kids Club Savings
Top rate
CU Hawaii Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Valley Isle Community Federal Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- $5
- Earns on $10,000 a year
- $500
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Super Saver Certificate
5.00%APY · 1 term
Super Saver Share Certificate Accounts are subject to a maximum opening deposit of $1,000 and available for a 12-Month term only. Limited to one account per member with a Checking Account direct deposit. Subject to a penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable for a 12-Month term only. Limited to one account per member with a Checking Account direct deposit. Early withdrawal penalties apply | 5.00% | — |
Savings
0.05%APY
Initial deposit of $25.00 to establish account and membership. Dividends paid on average daily balances of $25.00 or more. Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that falls within each tier.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
Sources (3)
All captured Oct 3, 2026
Special-purpose accounts
Kids Club Savings
5.00%APY
Maximum deposit of $100.00 per month. Restricted to primary members under the age of 18 years, after which the account will be closed and the balance transferred into their regular Savings Account. Withdrawals allowed at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMaximum deposit of $100.00 per month. Restricted to primary members under the age of 18 years, after which the account is closed and funds transfer to regular Savings Account.Any balance | 5.00% | $500 | Maximum deposit of $100.00 per month. Restricted to primary members under the age of 18 years, after which the account is closed and funds transfer to regular Savings Account. |
Sources (3)
All captured Oct 3, 2026
Holiday Club Savings
3.00%APY
Minimum opening deposit is $5.00. Maximum deposit amount per month is $200.00. Subject to a penalty for early withdrawal. Limited time offer.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening deposit is $5.00. Maximum deposit amount per month is $200.00. Subject to early withdrawal penalty.Any balance | 3.00% | $300 | Minimum opening deposit is $5.00. Maximum deposit amount per month is $200.00. Subject to early withdrawal penalty. |
Sources (3)
All captured Oct 3, 2026
IRA
0.05%APY
APY based on average daily balance. Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that falls within each tier.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
Sources (1)
- hawaiischoolsfcu.org/interest-rates · captured Oct 3, 2026
Who can join Hawaii Schools FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Any employee or retiree of the Hawaii Federation of Teachers.
- Any employee or retiree of the Hawaii State Teachers Association (HSTA).
- Any employee or retiree of the National Education Association.
Military, government and schools
- Any member of the State of Hawaii's Board of Education.
- Any employee or retiree of the State of Hawaii's Department of Education.
- Any student or participant of any school, program, or facility operated by the State of Hawaii's Department of Education, including all public and public charter schools (K-12).
2 more ways to join
Military, government and schools
- Any student or participant of any education and activity program conducted on public school campuses, such as the A+ after school program and after school language programs.
Family and household
- Immediate family members (parent, grandparent, spouse, sibling, child, grandchild) or household members of any qualifying individual.
Membership information collected October 4, 2026.