Savings Accounts

Savings Accounts

Membership in Hāmākua Federal Credit Union begins by opening a Regular Share Account with a minimum deposit of $10.00 and paying a one-time membership fee of $1.00. Once your membership is established, a whole range of other products and services are available!

Checking Accounts

Your Hāmākua FCU Checking Account gives you an easy and inexpensive way to pay your bills and track your spending, along with the following great features:

  • No minimum deposit to open and no minimum balance is required
  • No monthly service fees
  • Free 24/7 access through Virtual Branch Online Banking or from an ATM
  • Free Debit Card for your convenience
  • Overdraft protection via transfer from Regular Shares or Line of Credit advance

Debit Cards

Our beautiful Hāmākua FCU Visa® Debit Card is a great addition to your Checking Account. Use your debit card to make purchases at thousands of stores and gas pumps worldwide as well as with any online merchant that accepts Visa. Your debit card is enabled with an industry–standard EMV chip for your security.

And debit cards are so useful! If you commute to work you may not be able to make it into the branch when you need cash, but with Direct Deposit of your paycheck and your Hāmākua FCU Debit Card you won’t be left hanging. Remember to use any American Savings Bank or Hawaii National Bank ATM so that you skip the surcharge. Don’t forget that you can check your account balances and transfer between your savings and checking accounts from any ATM – for free.

Dedit card

Share Certificates

Our Share Certificates are a great way to put your savings to work for you. Lock in your rate for a year at a time, and have your certificate automatically renew at maturity to continue earning at a rate higher than your Regular Share Account. They’re the perfect addition to your long-term savings strategy.

Individual Retirement Accounts (IRAs)

Speaking of long-term savings, a Traditional IRA is the perfect way to start saving today for your retirement, no matter what stage of life you’re in. Stop by and see us for more information.

Online Services

Virtual Branch Online Banking provides our Hāmākua FCU members with a reliable and convenient way to check in on their account balances and view current activity, transfer funds and make loan payments, view current and past statements, and securely contact the Credit Union.


Help us help our planet by reducing the environmental cost of delivering paper account statements and newsletters to our members by enrolling all of your accounts in this free service. Your account statements for the last 15 months are immediately available for your use if you need them.

If you’re already signed up for Virtual Branch you have access to e-Statement enrollment right now!

If you’re not enrolled in Virtual Branch yet, don’t hesitate to give us a call or stop by the office and we’ll get you going.