Hawaii Schools Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.hawaiischoolsfcu.org

808-521-0302

233 Vineyard St
Honolulu, HI 96813

Hawaii Schools Federal Credit Union is headquartered in Honolulu and is the 27^th largest credit union in the state of Hawaii. It is also the 2,070^th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 8 employees and 3,482 members at 1 location. Hawaii Schools Federal Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Must be a student or participant of any school, program or facility operated by the State of Hawaii's Department of Education including any public school or public charter school. Also open to employees or retirees of the State of Hawaii's Department of Education, State of Hawaii's Public Library system, Hawaii State Teachers Association (HSTA), Hawaii Federation of Teachers or National Education Association.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Hawaii Schools Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	1785
Year Chartered	1936
Employees	8
Primary Regulator

Profit Margin
Return on Assets - YTD	0.32%
Return on Equity - YTD	3.02%
Annual Interest Income	$643K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$76.7MM$71.7MM
Loans	Q1 2025vs Q1 2024	$22.8MM$22.3MM
Deposits	Q1 2025vs Q1 2024	$68.1MM$64.3MM
Equity Capital	Q1 2025vs Q1 2024	$8.1MM$7MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$234K$304K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2K$20K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Hawaii Schools Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$0	-	Kids Club Savings
3.00%	$0	-	Holiday Club Savings
0.10%^*	$50k^*	-	Savings
OTHER TIERS: 0.05% → $25 - $50k

Hawaii Schools Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%	$0	$1k	12 Month Super Saver CD
3.25%	$2.5k	-	48 Month Share Certificate
3.25%	$2.5k	-	60 Month Share Certificate
3.00%	$2.5k	-	12 Month Share Certificate
3.00%	$2.5k	-	24 Month Share Certificate
3.00%	$2.5k	-	36 Month Share Certificate
3.00%	$2.5k	-	18 Month Share Certificate
1.00%	$2.5k	-	6 Month Share Certificate

Hawaii Schools Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$2.5k	-	48 Month IRA
3.25%	$2.5k	-	60 Month IRA
3.00%	$2.5k	-	12 Month IRA
3.00%	$2.5k	-	24 Month IRA
3.00%	$2.5k	-	36 Month IRA
3.00%	$2.5k	-	18 Month IRA
0.10%^*	$50k^*	-	Individual Retirement Account
OTHER TIERS: 0.05% → $0 - $50k

Locations

Hawaii Schools Federal Credit Union Locations
Branch Office	233 Vineyard St	Honolulu, HI 96813-2446

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