Bank of Hawaii Savings & Money Market Rates

How Bank of Hawaii’s savings rates compare

Compared with banks and credit unions near Urban Honolulu, HI, where Bank of Hawaii has the most branches. $10,000, best rate first.

This bank’s best
Bank of Hawaii
0.04%APY
Requires
Monthly account activity
Minimum
$100
Earns on $10,000 a year
$4
Bankohana Bonus Rate Savings
Top rate
Sunflower Bank
3.02%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$302
Sunflower Bank rates
2nd-highest rate
PenFed Credit Union
2.70%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$270
PenFed Credit Union rates

Compare savings rates near you →

Savings score

Higher than 2% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.03%
$10,000 balance$10,0000.03%
$100,000 balance$100,0000.03%
QualifiedQualified0.04%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Bank of Hawaii ranks

By savings score, in each area where it has branches

And 1 more area →

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Bankohana Bonus Rate Savings Plus

Up to 3.30%APYRequirements apply$100 to open

Requires a Bankohana Checking account (which can be opened with a minimum deposit of $500). No monthly service fee. Bonus interest rate and combined APY are contingent upon making a minimum deposit of $100 and no withdrawals during the month (waived for balances of $250,000 or more). Eligible for the Bankohana Savings Special promotion.

Sources (5)

All captured Oct 3, 2026

Bankohana Bonus Rate Savings

Up to 0.04%APYRequirements apply$100 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upCombined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.04%	$4	Combined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$1 and upBase rate without bonus interest requirement. Requires a Bankohana Checking account.	0.02%	$2	Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$10,000 and upCombined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.04%	$4	Combined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$10,000 and upBase rate without bonus interest requirement. Requires a Bankohana Checking account.	0.02%	$2	Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$25,000 and upCombined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.04%	—	Combined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$25,000 and upBase rate without bonus interest requirement. Requires a Bankohana Checking account.	0.02%	—	Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$100,000 and upCombined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.05%	—	Combined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$100,000 and upBase rate without bonus interest requirement. Requires a Bankohana Checking account.	0.03%	—	Base rate without bonus interest requirement. Requires a Bankohana Checking account.

Sources (3)

All captured Oct 3, 2026

Bonus Rate Savings

Up to 0.03%APYRequirements apply$100 to open

Monthly service fee of $5 waived when you meet daily ledger balance of $500 or make a deposit totaling $25 and no withdrawals for that month. Bonus interest rate and combined APY are contingent upon making a minimum deposit of $25 and no withdrawals during the month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upCombined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.03%	$3	Combined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$1 and upBase rate without bonus interest requirement.	0.01%	$1	Base rate without bonus interest requirement.
$10,000 and upCombined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.03%	$3	Combined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$10,000 and upBase rate without bonus interest requirement.	0.01%	$1	Base rate without bonus interest requirement.
$25,000 and upCombined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.03%	—	Combined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$25,000 and upBase rate without bonus interest requirement.	0.01%	—	Base rate without bonus interest requirement.
$100,000 and upCombined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.	0.04%	—	Combined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.
$100,000 and upBase rate without bonus interest requirement.	0.02%	—	Base rate without bonus interest requirement.

Sources (3)

All captured Oct 3, 2026

Bankohana - Level II & Level III Savings

0.03%APY$100 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upFor accounts opened/maintained in Guam, Saipan, & Palau.$1 and up	0.03%	$3	For accounts opened/maintained in Guam, Saipan, & Palau.

Sources (2)

All captured Sep 25, 2026

Bankohana - Level I Savings

0.02%APY$100 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upFor accounts opened/maintained in Guam, Saipan, & Palau.$1 and up	0.02%	$2	For accounts opened/maintained in Guam, Saipan, & Palau.

Sources (2)

All captured Sep 25, 2026

Regular Savings

0.01%APY$100 to open

Monthly service fee waived with minimum daily balance / ledger balance of $300.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upMonthly service fee of $5 waived when maintaining a minimum daily ledger balance of $300.$1 and up	0.01%	$1	Monthly service fee of $5 waived when maintaining a minimum daily ledger balance of $300.

Sources (2)

All captured Oct 3, 2026

Special-purpose accounts

Retirement Savings / Bankohana Retirement Savings

0.03%APYIRA$1 to open

Consumer retirement savings account. Not available in Palau.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upFor accounts opened/maintained in Guam & Saipan (not available in Palau).$1 and up	0.03%	$3	For accounts opened/maintained in Guam & Saipan (not available in Palau).

Sources (2)

All captured Sep 25, 2026

Kids Only Savings

0.01%APYKids and teens$25 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upFor accounts opened/maintained in Guam, Saipan, & Palau.$1 and up	0.01%	$1	For accounts opened/maintained in Guam, Saipan, & Palau.

Sources (2)

All captured Oct 3, 2026

Closed to new customers

Bankohana-Level II, Level III, and Cash Advantage Money Market Savings

0.02%APY

New accounts no longer offered.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$2,500 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$10,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$25,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$100,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.04%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$1,000,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.05%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.

Sources (2)

All captured Sep 16, 2026

Bankohana-Level I Money Market Savings

0.02%APY

New accounts no longer offered.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$2,500 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$10,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$25,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$100,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.03%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$1,000,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.04%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.

Sources (2)

All captured Sep 16, 2026

Money Market Savings

0.02%APY

New accounts no longer offered.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$2,500 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$10,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	$2	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$25,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.02%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$100,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.03%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.
$1,000,000 and upNew accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.	0.04%	—	New accounts no longer offered. Accounts opened/maintained in Guam, Saipan, & Palau.

Sources (2)

All captured Sep 16, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

← Bank of Hawaii overview

Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $99,999Bankohana Savings Special combined APY including 90-day guaranteed promo interest rate (3.25%) for balance up to $99,999. Does not include additional bonus interest of 0.04% earned with $100 deposit and no withdrawals during the month.	1.30%	$130	Bankohana Savings Special combined APY including 90-day guaranteed promo interest rate (3.25%) for balance up to $99,999. Does not include additional bonus interest of 0.04% earned with $100 deposit and no withdrawals during the month.
Up to $99,999Bankohana Savings Special variable APY after 90 days for balance up to $99,999. Requires Bankohana Checking account.	0.65%	$65	Bankohana Savings Special variable APY after 90 days for balance up to $99,999. Requires Bankohana Checking account.
Up to $99,999Bankohana Savings Special promotional rate for balance up to $99,999. Guaranteed promo interest rate for first 90 days. Requires opting into the Bankohana Savings Special, deposit of $25,000+ New Money within 30 days of opt-in, and an existing or new Bankohana Checking account ($500 opening deposit).	3.30%	$330	Bankohana Savings Special promotional rate for balance up to $99,999. Guaranteed promo interest rate for first 90 days. Requires opting into the Bankohana Savings Special, deposit of $25,000+ New Money within 30 days of opt-in, and an existing or new Bankohana Checking account ($500 opening deposit).
$1 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.	0.07%	$7	For accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.
$1 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.	0.03%	$3	For accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$10,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.	0.07%	$7	For accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.
$10,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.	0.03%	$3	For accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$25,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.	0.07%	—	For accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.
$25,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.	0.03%	—	For accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$100,000 and upBankohana Savings Special combined APY including 90-day guaranteed promo interest rate (3.25%) for balance of $100,000+. Does not include additional bonus interest of 0.04% earned with $100 deposit and no withdrawals during the month (or waived if average daily balance is $250,000+).	2.36%	—	Bankohana Savings Special combined APY including 90-day guaranteed promo interest rate (3.25%) for balance of $100,000+. Does not include additional bonus interest of 0.04% earned with $100 deposit and no withdrawals during the month (or waived if average daily balance is $250,000+).
$100,000 and upBankohana Savings Special variable APY after 90 days for balance of $100,000+. Requires Bankohana Checking account.	2.05%	—	Bankohana Savings Special variable APY after 90 days for balance of $100,000+. Requires Bankohana Checking account.
$100,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.	0.08%	—	For accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. Contingent upon making a minimum deposit of $100 and no withdrawals during the month. Requires a Bankohana Checking account.
$100,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.	0.04%	—	For accounts opened/maintained in Guam, Saipan, & Palau. Base rate without bonus interest requirement. Requires a Bankohana Checking account.
$100,000 and upBankohana Savings Special promotional rate for balance of $100,000+. Guaranteed promo interest rate for first 90 days. Requires opting into the Bankohana Savings Special, deposit of $25,000+ New Money within 30 days of opt-in, and an existing or new Bankohana Checking account ($500 opening deposit).	3.30%	—	Bankohana Savings Special promotional rate for balance of $100,000+. Guaranteed promo interest rate for first 90 days. Requires opting into the Bankohana Savings Special, deposit of $25,000+ New Money within 30 days of opt-in, and an existing or new Bankohana Checking account ($500 opening deposit).
$250,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. In the $250,000+ tier, the minimum deposit of $100 and no withdrawals during the month are not required to receive the bonus interest rate and combined APY. Requires a Bankohana Checking account.	0.09%	—	For accounts opened/maintained in Guam, Saipan, & Palau. Combined rate includes 0.04% bonus interest rate. In the $250,000+ tier, the minimum deposit of $100 and no withdrawals during the month are not required to receive the bonus interest rate and combined APY. Requires a Bankohana Checking account.
$250,000 and upFor accounts opened/maintained in Guam, Saipan, & Palau. Base rate. Requires a Bankohana Checking account.	0.05%	—	For accounts opened/maintained in Guam, Saipan, & Palau. Base rate. Requires a Bankohana Checking account.

How Bank of Hawaii’s savings rates compare

Bank of Hawaii savings score

Current savings rates

Bankohana Bonus Rate Savings Plus

Bankohana Bonus Rate Savings

Bonus Rate Savings

Bankohana - Level II & Level III Savings

Bankohana - Level I Savings

Regular Savings

Special-purpose accounts

Retirement Savings / Bankohana Retirement Savings

Kids Only Savings

Closed to new customers

Bankohana-Level II, Level III, and Cash Advantage Money Market Savings

Bankohana-Level I Money Market Savings

Money Market Savings

Opening an account