5.00% APY On Balances up to $10,000 Base Rate Make your everyday banking extraordinary Tiered Balances to Earn APY² 50 to $10,000.00 $10,000.01 or more ¶$1 ATM Reimbursement ELIFE CHECKING Hawaii USA CHA hawaiiusafcu.com/elife Hawaii USA FEDERAL CREDIT UNION Dividend Rate 0.01% Dividend Rate 4.88% 0.05% Insured by NCUA $ Built-in ID Protection debit Annual Percentage Yield (APY) 0.01% * Dividend Rate paid on entire balance if Monthly Qualifications are not met ² Dividend Rates paid for each tiered balance when ALL Monthly Qualifications are met for each qualification cycle Annual Percentage Yield (APY) 5.00% 5.00% - 0.25%* * Annual Percentage Yield (APY) is based on balances of $10.000.01 and $250.000.00. APY decreases on larger balances as dividends are earned at a lower dividend rate. Rates are effective as of March 1, 2023 and are subject to change without notice. Minimum balance to open the account is $20.00. Fees may reduce earnings on the account. Monthly Qualifications: 10 or more debit card purchases (point-of-sale purchases), excluding ATM transactions Receive one or more direct deposits. ACH debits/credits, or Hawaii USA Online Bill Pay payments through this eLife Checking Account Enrolled in eStatements 5.00 % APY On Balances up to $ 10,000 Base Rate Make your everyday banking extraordinary Tiered Balances to Earn APY² 50 to $ 10,000.00 $ 10,000.01 or more ¶ $ 1 ATM Reimbursement ELIFE CHECKING Hawaii USA CHA hawaiiusafcu.com/elife Hawaii USA FEDERAL CREDIT UNION Dividend Rate 0.01 % Dividend Rate 4.88 % 0.05 % Insured by NCUA $ Built - in ID Protection debit Annual Percentage Yield ( APY ) 0.01 % * Dividend Rate paid on entire balance if Monthly Qualifications are not met ² Dividend Rates paid for each tiered balance when ALL Monthly Qualifications are met for each qualification cycle Annual Percentage Yield ( APY ) 5.00 % 5.00 % - 0.25 % * * Annual Percentage Yield ( APY ) is based on balances of $ 10.000.01 and $ 250.000.00 . APY decreases on larger balances as dividends are earned at a lower dividend rate . Rates are effective as of March 1 , 2023 and are subject to change without notice . Minimum balance to open the account is $ 20.00 . Fees may reduce earnings on the account . Monthly Qualifications : 10 or more debit card purchases ( point - of - sale purchases ) , excluding ATM transactions Receive one or more direct deposits . ACH debits / credits , or Hawaii USA Online Bill Pay payments through this eLife Checking Account Enrolled in eStatements