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Certificates

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Lock in Great Rates and Save!


7-month certificate special

*Annual Percentage Yield (APY) for this special is effective 1/1/2026. Dividends must remain in the certificate for the full term. **For this Special: $1,000 minimum deposit. 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. 


13-month certificate special

*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. 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.

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

Lock in your rate. Grow your savings with confidence.

A Lōkahi Federal Credit Union Share Certificate is a secure, term-based savings option that offers guaranteed returns at higher dividend rates than traditional savings accounts. By committing your funds for a set period, you can earn more — with options that fit your financial goals and timeline.

Certificate Options to Fit Your Style of Saving

We offer two types of Share Certificates:

  • Principal Plus Certificate
    Reinvest your dividends automatically to maximize compounding and grow your balance faster.

  • Dividend Access Certificate
    Enjoy the flexibility of receiving your dividends monthly — automatically transferred to your Regular Savings Account, with no penalties.

Features & Terms

  • Open with as little as $500
  • Choose from terms of 6, 12, 18, 24, 30, 36, or 60 months
  • IRA Certificates available in 12, 24, 36, and 60-month terms
  • Fixed dividend rates for the entire term
  • Federally insured by the NCUA

Whether you're saving for a future expense or simply want a safe way to earn more on your money, a Share Certificate offers predictable growth and peace of mind.

 

*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?

Lōkahi FCU Mobile App

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Skip-A-Pay

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

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Credit Cards

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

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First Time Borrower Program

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

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