Credit union · NCUA insured
Big Island Federal Credit Union Savings Rates
Top CarrotBig Island Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Big Island Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where Big Island Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Big Island Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market Account
Top rate
CU Hawaii Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
Big Island Federal Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.25%
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.
Where Big Island Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.25%APY
Dividends are calculated on average daily balance and compounded/credited monthly. A minimum balance of $2,500 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1. Minimum balance to earn dividends is $2,500. | 0.10% | — | Tier 1. Minimum balance to earn dividends is $2,500. |
| $5,000 – $10,000Tier 2. Minimum balance to earn dividends is $2,500. | 0.15% | — | Tier 2. Minimum balance to earn dividends is $2,500. |
| $10,000 – $25,000Tier 3. Minimum balance to earn dividends is $2,500. | 0.25% | $25 | Tier 3. Minimum balance to earn dividends is $2,500. |
| $25,000 and upTier 4. Minimum balance to earn dividends is $2,500. | 0.30% | — | Tier 4. Minimum balance to earn dividends is $2,500. |
Sources (2)
All captured Oct 3, 2026
Regular Share
0.15%APY
Open with $50.00, plus a one-time $1.00 membership fee. Minimum to earn dividends is $50. Dividends are calculated on the average daily balance, compounded and credited monthly. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.$50 and up | 0.15% | $15 | Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly. |
Special Share
0.15%APY
Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.$50 and up | 0.15% | $15 | Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly. |
Sources (1)
- bigislandfcu.com/savings-rates · captured Oct 15, 2026
Special-purpose accounts
IRA Share
2.02%APY
Available as Traditional IRAs and Roth IRAs. No setup or administrative fees, and no maintenance fees. Dividends are compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRAs available. No setup, administrative, or maintenance fees. Dividends are compounded and credited monthly.Any balance | 2.02% | $202 | Traditional and Roth IRAs available. No setup, administrative, or maintenance fees. Dividends are compounded and credited monthly. |
Sources (2)
All captured Oct 15, 2026
Christmas Share
0.50%APY
Accounts may be opened from October 1st thru January 31st. Maximum deposit amount of $6,000.00 in a calendar year and $500.00 per month. Matures October 1st into a designated Big Island FCU account. Early withdrawal fees apply. Dividends are calculated on the average daily balance, compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAccounts may be opened from October 1st thru January 31st. Maximum deposit of $6,000.00/calendar year and $500.00/month. Matures October 1st. Dividends compounded and credited monthly.Any balance | 0.50% | $50 | Accounts may be opened from October 1st thru January 31st. Maximum deposit of $6,000.00/calendar year and $500.00/month. Matures October 1st. Dividends compounded and credited monthly. |
Sources (2)
All captured Oct 15, 2026
Club Share
0.15%APY
Minimum to open account is $5; minimum to earn dividends is $5. Dividends are compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum to open account is $5; minimum to earn dividends is $5. Dividends are compounded and credited monthly.$5 and up | 0.15% | $15 | Minimum to open account is $5; minimum to earn dividends is $5. Dividends are compounded and credited monthly. |
Sources (1)
- bigislandfcu.com/savings-rates · captured Oct 15, 2026
Gradvantage Share
0.15%APY
Specially tailored to meet the needs of college students (part-time and full-time college students). Requires valid ID and college registration copy each semester. Open with $50.00, plus a one-time $1.00 membership fee. No monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.$50 and up | 0.15% | $15 | Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly. |
Sources (2)
All captured Oct 15, 2026
Youth Share
0.15%APY
Designed for keiki. Open with $50.00, plus a one-time $1.00 membership fee. Converts to regular Share Account at age 18. Minor with adult joint owner. No monthly service fee. Minimum to earn dividends is $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum to open account is $5; minimum to earn dividends is $5. Dividends are compounded and credited monthly.$5 and up | 0.15% | $15 | Minimum to open account is $5; minimum to earn dividends is $5. Dividends are compounded and credited monthly. |
Sources (2)
All captured Oct 15, 2026
Who can join Big Island Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live on the island of Hawaii.
- Membership is open to incorporated and unincorporated organizations located on the island of Hawaii.
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawaii.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the island of Hawaii.
Cost to join
- A one-time $1.00 membership fee is required to get started.
- A minimum $50.00 deposit is required to open a share account.
Membership information collected October 4, 2026.