Share Certificates | Hawaiian Financial Federal Credit Union

*APY = Annual Percentage Yield. Rates subject to change without notice. $2,000 minimum balance to open. To earn the 4.00% APY promotional rate, all funds must come from another financial institution. Penalty for early withdrawal. Fees could reduce earnings. Other rates available. See hificu.com/rates. Effective 6/9/2025. Federally insured by NCUA.

What is a Share Certificate?

A Share Certificate is somewhat like a frozen saving account for the money you already have that earns a premium dividend.
You decide from the amount of money you have, how much you want to put in the frozen saving account.
You decide how long you would like to leave the money in the frozen saving account (term).
Once the money is committed into the frozen savings, it stays there for the specified period.
You no longer have liquid access to the money.
If you need access to your Share Certificate money before the time (term) is over, you may do so with early withdrawal fees that could reduce your earnings.
Once the time (term) is over, you may remove your money from the frozen savings or opt to 'freeze' the money again.

With as little as $500, you can invest in a Credit Union Share Certificate and maximize your earnings.

Available with terms of 6 months to 5 years.

Early withdrawal fees may reduce earnings.

To open your certificate today Contact Us

View our Rate & Fee Schedule.

What is a Share Certificate?

A Share Certificate is somewhat like a frozen saving account for the money you already have that earns a premium dividend.

You decide from the amount of money you have, how much you want to put in the frozen saving account.

You decide how long you would like to leave the money in the frozen saving account (term).

Once the money is committed into the frozen savings, it stays there for teh specified period.

You no longer have liquid access to the money.

If you need access to your Share Certificate money before the time (term) is over, you may do so with early withdrawal fees that could reduce your earnings.

Once the time (term) is over, you may remove your money from the frozen savings or opt to 'freeze' the money again.

To open your certificate today, Contact Us