Rates

SHARE RATES

Kasasa

Min BalanceAPY*When Paid**Rate UpdateRemarks

$0 – $10,000

2.50%

Monthly

January 1, 2020

Balances over $10,000 earns 0.25% APY & ATM refunds nationwide based on meeting cycle qualifications.

Earn 0.03% APY if cycle qualifications not met.

*APY – Annual Percentage Yield. APYs accurate as of 1/19/2016. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 2.50%; and (2) balances over $10,000 earn 0.25% dividend rate on portion of balance over $10,000, resulting in 2.50%-0.45% APY depending on the balance. If qualifications are not met, all balances earn 0.03% APY.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Min BalanceWhen Paid**Remarks

$0

Monthly

3.00%* cash back for up to the first $300 in debit card purchases & ATM fees nationwide based on meeting cycle qualifications.

*When monthly qualifications are met, you receive 3.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9.00 per monthly qualification cycle.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Min BalanceWhen Paid**Remarks

$0

Monthly

Earn up to $10* in refunds for iTunes, Amazon.com and Google Play for debit card purchases & ATM refunds nationwide based on meeting cycle qualifications.

*You will be refunded up to $20.00 for Google Play™, iTunes® and/or Amazon® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the first day of the next statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $10.00 in refunds of Google Play™, iTunes and/or Amazon® purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Min BalanceAPY*When Paid**Rate UpdateRemarks

$0 – $10,000

0.30%

Monthly

January 1, 2020

Based on meeting cycle qualifications with balances over $10,000 earning 0.15% APY.

0.03% APY if cycle qualifications not met.

*APY – Annual Percentage Yield. A Kasasa Cash or Kasasa Cash Back account is required to have a linked Kasasa Saver account for automatic savings. If qualifications in Kasasa Cash or Kasasa Cash Back checking are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.30%; and (2) balances over $10,000 in Kasasa Saver earn 0.15% dividend rate on the portion of the balance over $10,000, resulting in 0.03% – 0.16% APY depending on the balance. If qualifications are not met on Kasasa Cash or Kasasa Cash Back checking, all balances in the Kasasa Saver earn 0.03% APY.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Share Rates

Min BalanceAPY*When Paid**Rate UpdateRemarks

$5

0.08%

Monthly

January 1, 2021

Balances under $100 do not earn dividends.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate UpdateRemarks

$200 ADB

0.08%

Monthly

January 1, 2021

A $5 monthly fee will be charged if average daily balance (ADB) is below $200.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate Update

$5

0.15%

Monthly

January 1, 2020

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate Update

$5 – $1,999.99

$2,000 – $9,999.99

$10,000+

0.20%

0.30%

0.35%

Monthly

January 1, 2020

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate UpdateRemarks

$2,000 – $4,999.99
$5,000 – $49,999.99
$50,000 – $499,999.99
$500,000+

0.12%
0.17%
0.22%
0.37%

Monthly

January 1, 2021

0.08% APY for below $2,000.

For members age 55+, add 0.05% to Shares Plus rates (for balances of $2,000+).

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Business Share Rates

Min BalanceInterest Rate Per AnnumAPY*When Paid**Rate UpdateRemarks

$100

0.080%

0.08%

Monthly

January 1, 2021

Balances under $100 do not earn dividends.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceInterest Rate Per AnnumAPY*Rate UpdateRemarks

$500

None

None

March 1, 2018

A $5 monthly fee will be charged if average daily balance (ADB) is below $500.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceInterest Rate Per AnnumAPY*When Paid**Rate UpdateRemarks

$50,000 – $499,999.99

$500,000+

0.220%

0.370%

0.22%

0.37%

Monthly

January 1, 2021

Balance below $50,000 earns 0.17% APY.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Certificates

Type of AccountMin BalanceAPY*When Paid**Rate UpdateRemarks

6 mo
1 yr
18 mo
2 yr
3 yr

$500

0.40%
0.65%
0.75%
0.85%
0.95%

Monthly

January 1, 2022

Penalty for early withdrawal on all certificates.
Early withdrawal fees may reduce earning and principal.
For members age 55+, add 0.05% to all certificate rates.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Type of AccountMin BalanceAPY*When Paid**Rate UpdateRemarks

6 mo
1 yr
2 yr
3 yr

$10,000
$10,000
$6,000
$6,000

0.45%
0.65%
0.90%
1.00%

Monthly

January 1, 2022

Penalty for early withdrawal on all certificates.
Early withdrawal fees may reduce earning and principal.
Call for special Jumbo rates.
For members age 55+, add 0.05% to all certificate rates.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Type of AccountMin BalanceAPY*When Paid**Rate UpdateRemarks

1 yr

$500

0.15%

Monthly

June 1, 2022

Penalty for early withdrawal on all certificates.
Early withdrawal fees may reduce earning and principal.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

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