Become a member/owner and start saving.
Christmas Club Account
Do you have a hard time saving for the holidays? We’ve Money Manager Accounts
got the account for you. With a Christmas Club Account you
can put some cash away all year long to help you when it The Money Manager Accounts require a higher
comes to the season of giving. Open your Christmas Club balance then our Share Savings Account, but that
Account for only $5. There are no withdrawal restrictions, means higher returns.3 Our Money Manager Accounts
Savings no monthly requirements, and best yet you get dividends can be set up as a savings account or a checking
monthly based on your average daily balance. account. Based on your average daily balance you will
be earning higher dividends compared to your Share
All members of Hawaii Community Budget Share Certificate Savings Account.
Federal Credit Union are also owners Our 12 Month Budget Share Certificate is great way to earn
who share in the benefits of combining Money Manager Account Tiers
higher dividends without having the same rules as a Share
resources for a greater selection of $5,000 to $9,999.99
Certificate. Our Budget Share Certificate has a lower
products and services. $10,000 to $24,999.99
minimum balance of $200 and you are able to make
deposits to your Budget Share Certificate during the 12 $25,000+
month term in $50 increments. Plus, you can make a
Share Savings Account one-time withdrawal from your Budget Share Certificate
All Hawaii Community Federal Credit Union members open without incurring any penalties as long as you keep the
a Share Savings Account when joining the Credit Union. minimum $200 balance. Premium Saver Accounts
In order to open this account you must deposit at least
$50. This basic account makes it easy to build savings and
it makes you a member/owner! Once you’ve established Premium Saver Accounts are for the member/owners
yourself as a member/owner you can enjoy all of the who maintain a balance of $50,000 or more within
products and services we offer. their account.3 The Premium Saver Account can be set
up as a savings account or a checking account. The
more funds you have the more dividends you receive.
Premium Saver Account Tiers
$50,000 to $74,999.99
$75,000 to $99,999.99
Individual Retirement Accounts
Credit Union staff can not give tax or IRA advice. Please consult with a skilled tax advisor to discuss which
Start saving for your future with us! We offer Roth, IRA is best for you.
Traditional, and SEP IRAs as well as Coverdell Educational 3
The Money Manager Account requires a minimum ADB (Average Daily Balance) of $5,000. If the ADB falls
below the minimum, a monthly service charge is assessed. The Premium Saver Account requires a minimum
Savings Accounts. With no account set-up fees, no ADB of $50,000. If the ADB falls below the minimum, a monthly service charge is assessed. Please see our
maintenance fees, competitive rates and low minimum Fee & Rate Schedule for current monthly service charge.
deposit requirements our IRA product line is here to help
you start saving for your retirement2.
We offer our member/owners a variety of Share Certificates,
both long and short-term, just right for everyone. Funds
deposited into a Share Certificate are ‘locked in’ for the
term of the certificate earning a higher rate then a Share
Minimum IRA Minimum
3 month $2000 $500
6 month $1000 $500
9 month $1000 $500
12 month $1000 $500
18 month $500 $500
24 month $500 $500
36 month $500 $500
48 month $500 $500
60 month $500 $500
12 month budget $200 N/A
A penalty will be imposed for early withdrawal. If any early withdrawal is made for a portion of your
certificate, with at least the minimum balance remaining, the penalty will be assessed only on the amount
withdrawn. If an early withdrawal is made for an amount that reduces the certificate balance below the
minimum balance, then the penalty will be assessed as if the entire amount of the certificate had been
withdrawn. Any balance that is withdrawn will be transferred to your share account. If you withdraw and
take your Share Certificate below the minimum balance required you must close the entire Share Certificate.
Corporate Office at the John Y. Iwane
Credit Union Center
73-5611 Olowalu St.
Kailua-Kona, HI 96740
Kailua-Kona Branch Kohala Branch
75-159 Hualalai Rd. P.O. Box 39
Kailua-Kona, HI 96740 54-396 Union Mill Rd.
Kapaau, HI 96755
73-5611 Olowalu St. Honokaa Branch
Kailua-Kona, HI 96740 45-690 Pakalana St., Ste. A
Honokaa, HI 96727
81-6631 Mamalahoa Hwy.
Kealakekua, HI 96750
CALL24 Telephone Teller: 329-9440
CALL24 Telephone Teller: 1-800-303-9440
Your savings federally insured to at least $250,000 and backed by the full faith and credit of
the United States Government. National Credit Union Administration, a U.S. Government Agency.