Credit union · NCUA insured
CU Hawaii Federal Credit Union Savings Rates
Top CarrotCU Hawaii Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How CU Hawaii Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where CU Hawaii Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CU Hawaii Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
Kasasa Saver
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
3rd-highest rate
Hawaii County Employees FCU
2.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $200
CU Hawaii Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.35%
- QualifiedQualified1.00%
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 CU Hawaii 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.
Kasasa Saver
Up to 5.00%APY
Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit of one account per social security number. No monthly maintenance fee or minimum opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNon-qualifying rate applied to entire balance if linked Kasasa checking qualifications are not met during the Monthly Qualification Cycle. | 0.05% | $5 | Non-qualifying rate applied to entire balance if linked Kasasa checking qualifications are not met during the Monthly Qualification Cycle. |
| Up to $50,000Qualifying rate when linked Kasasa checking account meets qualifications: at least 10 debit card purchases post/settle, enrolled in and receive e-Statements, and at least one direct deposit, ACH credit, or ACH payment transaction during the Monthly Qualification Cycle. Rate applies to portion of balance up to $50,000. | 5.00% | $500 | Qualifying rate when linked Kasasa checking account meets qualifications: at least 10 debit card purchases post/settle, enrolled in and receive e-Statements, and at least one direct deposit, ACH credit, or ACH payment transaction during the Monthly Qualification Cycle. Rate applies to portion of balance up to $50,000. |
| Over $50,000Qualifying rate tier for portion of average daily balance over $50,000 when linked Kasasa checking qualifications are met; dividend rate of 0.249% (or 0.25% in product disclosures) resulting in a blended range from 0.250% to 5.00% APY depending on the balance. | 0.25% | — | Qualifying rate tier for portion of average daily balance over $50,000 when linked Kasasa checking qualifications are met; dividend rate of 0.249% (or 0.25% in product disclosures) resulting in a blended range from 0.250% to 5.00% APY depending on the balance. |
Money Market Account
1.00%APY
Tiered rate account. Dividends compounded and credited quarterly. $2,500.00 minimum opening balance. $2,500.00 minimum balance to earn interest. Maximum of 6 withdrawals/transfers per calendar month; excessive withdrawal fee of $20.00 applies after 3 withdrawals or transfers per calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000$2,500.00 minimum balance to earn interest. | 1.00% | $100 | $2,500.00 minimum balance to earn interest. |
| $25,000 – $50,000 | 1.15% | — | |
| $50,000 – $100,000 | 1.25% | — | |
| $100,000 – $500,000 | 1.35% | — | |
| $500,000 and up | 1.50% | — |
Member Savings
0.05%APY
Establishes membership with CU Hawaii. $1 one-time membership fee. $50 minimum deposit to open. Accounts with balances below $50 on the last day of the month are subject to a $2 monthly minimum balance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends on balances of $100 or more. Dividends compounded and credited quarterly. Accounts with balances below $50 on the last day of the month are subject to a $2 monthly minimum balance fee. $50 minimum opening deposit.$100 and up | 0.05% | $5 | Earns dividends on balances of $100 or more. Dividends compounded and credited quarterly. Accounts with balances below $50 on the last day of the month are subject to a $2 monthly minimum balance fee. $50 minimum opening deposit. |
Special Savings
0.05%APY
Dividends compounded and credited quarterly. Minimum balance to earn APY is $100. Minimum opening balance n/a.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited quarterly. Minimum balance to earn APY is $100. Minimum opening balance n/a.$100 and up | 0.05% | $5 | Dividends compounded and credited quarterly. Minimum balance to earn APY is $100. Minimum opening balance n/a. |
Sources (2)
- cuhawaii.com/_/kcms-doc/1582/3…Fee_Disclosures_TISA.pdf
- cuhawaii.com/personal/personal…core-credit-builder.html
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.05%APY
Traditional and Roth IRA options available. No setup fees, monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTraditional & Roth IRA Savings. $100 minimum balance required to earn APY. Dividends compounded and credited quarterly. No setup fees, monthly or annual maintenance fees. $0 minimum deposit to open.$100 and up | 0.05% | $5 | Traditional & Roth IRA Savings. $100 minimum balance required to earn APY. Dividends compounded and credited quarterly. No setup fees, monthly or annual maintenance fees. $0 minimum deposit to open. |
Keiki Club
0.05%APY
Youth savings account for savers ages 0–17. Earn dividends and a savings match with rewards and access to Zogo financial education. Minimum opening balance $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly. Minimum balance to earn APY is $5.00. Minimum opening deposit $5.00. No monthly maintenance fee. Listed as Youth Savings on the Rate and Fee Disclosure.$5 and up | 0.05% | $5 | Dividends compounded and credited quarterly. Minimum balance to earn APY is $5.00. Minimum opening deposit $5.00. No monthly maintenance fee. Listed as Youth Savings on the Rate and Fee Disclosure. |
Who can join CU Hawaii 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 living or working on the Island of Hawai`i.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawai`i.
- Membership is open to persons participating in programs to alleviate poverty or distress located on the Island of Hawai`i.
Employers and groups
- Membership is open to incorporated and unincorporated organizations on the Island of Hawai`i or those maintaining a facility located on the Island of Hawai`i.
Family and household
- Membership is open to any immediate family member (including spouse, parents, sisters, brothers, and children, whether living in the same household or not) of a CU Hawaii member.
Cost to join
- Joining requires an opening deposit of $50 into a savings account.
- Joining requires a $1 membership fee.
Membership information collected October 4, 2026.