Regular Share (Savings) Account

Your savings starts the moment you join Hawaii Central Federal Credit Union and make an initial deposit into your Regular Share (Savings) Account. Dividends on this account are declared and paid quarterly.

Money Market Investments

A flexible savings account that earns "super" money market rates and pays monthly dividends. To open this account you need to deposit a minimum of $500.

Holiday Savings Account

Open it at any time during the year and rest assured that Christmas will be merrier. The sooner you start, the more you'll be able to save and spend at Christmas time!  Pays a higher dividend rate, some restrictions apply.

Savings Growth Calculator

Saved Beginning Balance
Deposit Amount
Annual Growth Rate %
Gains Deposited
Length of Time
First Month
Month / Year

Ending Balance* $435,796.45
Last Month 7/2035

Total Deposits $150,000.00
Total Gains $265,796.45

All calculators are made available as self-help tools for your independent use with results based on information provided by the user. All examples are hypothetical and are for illustrative purposes only. Calculated results are believed to be accurate but results are not guaranteed. Savings calculation results are intended only to demonstrate possible savings growth and is broad in scope. Growth calculators (like Retirement or Savings) depend on the average interest rate you expect to earn. Since interest rates will vary over time, your exact return percentage and results will most certainly be different. Before making any final decisions or implementing any investment or savings strategy, users are advised to obtain additional information and advice from your accountant and other investment advisors who are fully aware of your individual circumstances.