Savings Accounts Designed For Your Life

SIMPLE & RELIABLE

Statement Savings

Enjoy anytime access to your funds online, by phone, or at ATMs.

 

Visit a Branch

 

$4

Monthly Service Charge

$10

Minimum to open

  • Age 15 and older*
  • $100 average monthly balance required to avoid monthly service charge
  • Earns interest

 

FOR STUDENTS

Student Savings

Perfect for college students 18 years and older

 

Visit a Branch

 

$0

Monthly Service Charge

$10

Minimum to open

  • Earns interest 
  • No minimum balance while you are attending college

FOR KIDS

Keiki Savings

Kids can learn to manage money and create smart saving habits early.

 

Visit a Branch

 

$0

Monthly Service Charge

$10

Minimum to open

  • For 5 - 17 year olds with a parent or legal guardian as a joint account holder
  • Earns interest
  • No ATM access
Interest rate and Annual Percentage Yield (APY) subject to change without notice after the account is opened. Fees could reduce earnings on the account. *Statement Savings: Age 15 – 17 years old requires parental consent. Some fees and service charges may apply.

New Contactless Debit Card - Coming Soon!

New Contactless Debit Card - Coming Soon!

Our new contactless debit card will be available very soon. You can request a new card before your current card expires by contacting any Territorial Savings branch.

Convenient way to pay

No swiping or inserting needed

Fast and secure

Visit a branch near you

Open a Certificate of Deposit (CD) with as little as $1000

For funds that you can set aside, shift them into a CD to grow securely at a fixed rate over a set period of time.

Flexible Interest Payment Options

  • Interest is paid quarterly or at maturity. If your CD term is 12 months or greater, you may elect to be paid monthly instead of quarterly.1
  • Interest can be credited to your CD, transferred to your TS checking or savings account, or mailed by check ($10 minimum)

1Interest will not be compounded.

Visit a branch for more information

Special Certificates of Deposit (CDs) and IRA CDs

Annual Percentage Yield (APY) effective June 14, 2026
Term length APY Minimum Opening Balance & to Earn APY
12 Month CD 3.70% $ 10,000*

*Deposited funds must be from another Financial Institution or cash. A penalty will be imposed for early withdrawal.

Standard Certificates of Deposit (CDs) and IRA CDs

Annual Percentage Yield (APY)effective October 30, 2025
Term length APY Minimum Opening Balance & to Earn APY
3 Month CD 2.85% $ 1,000
6 Month CD 3.15% $ 1,000
9 Month CD 3.25% $ 1,000
12 Month CD 3.10% $ 1,000
24 Month CD 2.75% $ 1,000
36 Month CD 2.65% $ 1,000
48 Month CD 2.55% $ 1,000
60 Month CD 2.45% $ 1,000

A penalty will be imposed for early withdrawal. For IRA accounts, terms start at 6 months.

Benefits of Territorial Savings Accounts

  • Digital Banking

    24/7 online and mobile access to your accounts, securely and easily.

  • ATM Access

    Get cash and make deposits whenever you need it, without envelopes or deposit slips.

  • Phone Banking

    Access your accounts 24/7 conveniently by phone. 

  • FDIC Insured

    Enjoy peace of mind that your deposits are backed by FDIC for the maximum legal limits.