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Certificates

Let us help plant the seeds to grow your dreams.

13-Month Sahe Certificate and IRA Certificate. 3.35% APY. $1,000 minimum opening deposit with at least $1,000 of the opening deposit being new money. Limited time offer.


To take advantage of this special offer, please visit one of our branches or call us at 808.423.1391. 

*Annual Percentage Yield (APY) for this special is effective 6/1/2025. Dividends must remain in the certificate for the full term. **For these Specials: $1,000 minimum deposit with at least $1,000 of the opening deposit being new money and does not apply to funds transferred from any other Lōkahi FCU (formerly Hickam FCU) accounts. This is a limited-time offer, and is subject to change and may end at any time without notice. Other rates and terms available. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Lōkahi FCU membership required. Other terms and conditions apply.

 

 

What's a Certificate?

Receive higher rates than regular savings by depositing your money for set terms ranging from six months to sixty months. There are two types of Certificates* available to members:

  • Principal Plus Certificates allows you to reinvest all dividends earned, compounding your principal balance faster.
  • Dividend Access Certificates allows you to access all dividends earned without penalties. At the end of each month, dividends are automatically transferred to your Savings Account.

Certificate Features:

  • A minimum deposit of $500 allows you to open the certificate term of your choice.
  • Terms are 6, 12, 18, 24, 30, 36, and 60 months.

IRA Certificates are also available in 12, 24, 36, and 60 month terms.

*Certificates are subject to Lōkahi FCU penalties upon early withdrawal. Please see Lōkahi FCU Truth-in-Savings Disclosure for details.

How to Open a Certificate?

Card Control

Our Card Control app offers various tools to help protect your identity and finances.

Card Control Details
Skip-A-Pay

Navigate your way through life's surprises by taking advantage of our all-new Skip-A-Pay program

Program Details
Credit Cards

Our credit cards feature competitively low interest rates, no annual fee and no balance transfer or cash advance fees.

Credit Card Details
First Time Borrower Program

This program provides first time borrowers an opportunity to build their credit.

Program Details
Become a Member

We have three convenient ways to open an account today.

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