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Big Island FCU
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Current Rates

Savings Rates

Share Account Rates
Effective Date: Thursday, December 8th, 2022
NameDividend RateAPY*
Regular Share 1 0.10% 0.10%
Gradvantage Share 1 0.10% 0.10%
Special Share 1 0.10% 0.10%
Club Share 2 0.10% 0.10%
Christmas Share 0.50% 0.50%
IRA Share 0.75% 0.75%
Youth Share 2 0.10% 0.10%
Dividends are compounded and credited monthly
* APY=Annual Percentage Yield. Fees could reduce earnings on the account.
1 Minimum to open account is $50; minimum to earn dividends is $50
2 Minimum to open account is $5; minimum to earn dividends is $5

Share Draft Account Rates
Effective Date: Thursday, December 8th, 2022
NameDividend RateAPY*
Share Draft 3 0.00% 0.00%
Dividends are compounded and credited monthly
* APY=Annual Percentage Yield. Fees could reduce earnings on the account.
3 Minimum balance to avoid monthly service fee is $300 or maintain an active debit card

Money Market Account Rates
Effective Date: Thursday, December 8th, 2022
TierAccount BalanceDividend RateAPY*
Tier 1 4 $0.00-$4,999.99 0.10% 0.10%
Tier 2 4 $5,000-$9,999.99 0.15% 0.15%
Tier 3 4 $10,000-$24,999.99 0.25% 0.25%
Tier 4 4 $25,000 or greater 0.30% 0.30%
Dividends are compounded and credited monthly
* APY=Annual Percentage Yield. Fees could reduce earnings on the account.
4 Minimum to open account is $2,500; minimum to earn dividends is $2,500

Term Share Certificates
Effective Date: Thursday, December 8th, 2022
TermDividend RateAPY*
6 Months 1.00% 1.01%
12 Months 2.00% 2.02%
18 Months 2.00% 2.02%
2 Years 2.05% 2.07%
3 Years 2.25% 2.27%
4 Years 2.50% 2.53%
5 Years 2.75% 2.79%
Dividends are compounded and credited monthly
*APY=Annual Percentage Yield. Fees could reduce earnings on the account.
Minimum balance to open certificate is $500. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

IRA Certificates
Effective Date: Thursday, December 8th, 2022
TermDividend RateAPY*
12 Months 2.00% 2.02%
2 Years 2.05% 2.07%
Dividends are compounded and credited monthly
*APY=Annual Percentage Yield. Fees could reduce earnings on the account.
Minimum balance to open certificate is $500. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.