Updated April 6, 2020 Hawaii Central's statement on COVID-19. View Statement

Rates > Savings 

Savings Rates


Regular Share Account

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


Share Draft Checking

With a Hawaii Central Share Draft Checking Account, you can use your money how you wish, whenever you want, with unlimited transactions, and no minimum balance, all while earning dividends.


Money market investment

With a Money Market Investment Account, you can earn higher dividends than the traditional regular share account with funds that are as accessible as with your share account. Invest anytime, withdraw anytime, 100% LIQUID.


IRA Share Account

Save for retirement and take advantage of the tax benefits an IRA may offer. You’ll be amazed at how fast your account will grow. We offer Traditional, Roth, and Coverdell IRAs.


Holiday Savings Account

Let us help you put money aside for the holidays. The sooner you start, the more money you will be able to save. Start today with as little as $10, and you’ll be on your way!


Share Certificates

With a minimum of $500, you can open a Share Certificate Account and lock in your earnings. A variety of certificates are available with terms ranging from 91 days to 60 months to suit your financial needs.


IRA Share Certificates

Save and build your way towards retirement and fulfill long-term financial goals.