Bank · FDIC insured
First Hawaiian Bank Savings Rates
First Hawaiian Bank’s best savings rate is 0.02% APY on $10,000, with its MaxiMizer. Rates checked October 15, 2026.
How First Hawaiian Bank’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where First Hawaiian Bank has the most branches. $10,000, best rate first.
This bank’s best
First Hawaiian Bank
0.50%APY
- Requires
- Monthly account activity
- Minimum
- $10,000
- Earns on $10,000 a year
- $50
YesSavings
Top rate
Sunflower Bank
3.02%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $302
2nd-highest rate
PenFed Credit Union
2.70%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $270
First Hawaiian Bank savings score
75
Savings score
Higher than 39% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.50%
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 First Hawaiian Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
YesSavings
Up to 0.50%APY
Requires a Personal Priority Banking Gold or Platinum Checking Account. Minimum opening deposit of $10,000 must be deposited directly within 5 calendar days of opening from another financial institution (check, external transfer, or wire transfer; transfers from another FHB account do not qualify). Monthly service charge of $5 is waived if you maintain a minimum daily balance of $500 or if you qualify for the Bonus Interest Rate for the monthly cycle (by depositing at least $25 per month). $50 account closing fee applies if closed within 180 days of opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Combined APY (Base + Bonus) for balances less than $25,000.00 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. | 0.50% | $50 | Combined APY (Base + Bonus) for balances less than $25,000.00 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. |
| Up to $25,000Base APY for balances less than $25,000.00 when monthly deposit of $25 is not met. Rate may change after account opening. | 0.40% | $40 | Base APY for balances less than $25,000.00 when monthly deposit of $25 is not met. Rate may change after account opening. |
| $25,000 – $100,000Combined APY (Base + Bonus) for balances $25,000.00 to $99,999.99 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. | 1.00% | — | Combined APY (Base + Bonus) for balances $25,000.00 to $99,999.99 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. |
| $25,000 – $100,000Base APY for balances $25,000.00 to $99,999.99 when monthly deposit of $25 is not met. Rate may change after account opening. | 0.40% | — | Base APY for balances $25,000.00 to $99,999.99 when monthly deposit of $25 is not met. Rate may change after account opening. |
| $100,000 – $250,000Combined APY (Base + Bonus) for balances $100,000.00 to $249,999.99 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. | 2.15% | — | Combined APY (Base + Bonus) for balances $100,000.00 to $249,999.99 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. |
| $100,000 – $250,000Base APY for balances $100,000.00 to $249,999.99 when monthly deposit of $25 is not met. Rate may change after account opening. | 1.00% | — | Base APY for balances $100,000.00 to $249,999.99 when monthly deposit of $25 is not met. Rate may change after account opening. |
| $250,000 – $1,000,000Combined APY (Base + Bonus) for balances $250,000.00 to $999,999.99 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. | 2.25% | — | Combined APY (Base + Bonus) for balances $250,000.00 to $999,999.99 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. |
| $250,000 – $1,000,000Base APY for balances $250,000.00 to $999,999.99 when monthly deposit of $25 is not met. Rate may change after account opening. | 1.00% | — | Base APY for balances $250,000.00 to $999,999.99 when monthly deposit of $25 is not met. Rate may change after account opening. |
| $1,000,000 and upCombined APY (Base + Bonus) for balances $1,000,000.00+ when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. | 2.35% | — | Combined APY (Base + Bonus) for balances $1,000,000.00+ when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening. |
| $1,000,000 and upBase APY for balances $1,000,000.00+ when monthly deposit of $25 is not met. Rate may change after account opening. | 1.00% | — | Base APY for balances $1,000,000.00+ when monthly deposit of $25 is not met. Rate may change after account opening. |
Sources (4)
- fhb.com/en/personal/savings
- fhb.com/en/personal/savings/compare
- fhb.com/en/personal/savings/yessavings
- fhb.com/en/rates/savings-cds
All captured Sep 16, 2026
MaxiMizer
0.02%APY
Monthly service charge of $10 is waived if you maintain a daily balance of $1,000 or an average daily balance of $2,500, or if you are a Personal Priority Banking customer (limited to one Associated Account). $50 account closing fee applies if closed within 180 days of opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier applies to balances less than $2,500. Rate may change after account opening. | 0.02% | — | Tier applies to balances less than $2,500. Rate may change after account opening. |
| $2,500 – $25,000Rate may change after account opening. | 0.02% | $2 | Rate may change after account opening. |
| $25,000 – $100,000Rate may change after account opening. | 0.03% | — | Rate may change after account opening. |
| $100,000 – $500,000Rate may change after account opening. | 0.04% | — | Rate may change after account opening. |
| $500,000 – $1,000,000Rate may change after account opening. | 0.04% | — | Rate may change after account opening. |
| $1,000,000 and upRate may change after account opening. | 0.05% | — | Rate may change after account opening. |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
Regular Savings Account
0.02%APY
Monthly service charge of $5 is waived if you maintain a daily balance of $300, if the primary account holder is under 18 years old, or if you auto transfer at least $25 from an FHB checking account. $50 account closing fee applies if closed within 180 days of opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate may change after account opening.Over $0 | 0.02% | $2 | Rate may change after account opening. |
Sources (3)
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.