Credit union · NCUA insured
Hamakua Federal Credit Union Savings Rates
Hamakua Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How Hamakua Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where Hamakua Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hamakua Federal Credit Union
0.10%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $10
Regular Savings
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
Hamakua Federal Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Hamakua 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.
Regular Savings
0.10%APY
Membership in Hamakua FCU requires opening a Regular Share Account with a minimum deposit of $10.00 and paying a one-time membership fee of $1.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and paid monthly. Minimum balance to earn APY is $100.$100 and up | 0.10% | $10 | Dividends compounded and paid monthly. Minimum balance to earn APY is $100. |
Special Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and paid monthly. Minimum balance to earn APY is $100.$100 and up | 0.10% | $10 | Dividends compounded and paid monthly. Minimum balance to earn APY is $100. |
Sources (1)
- hamakuafcu.org/rates · captured Sep 16, 2026
Special-purpose accounts
IRA Savings
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid monthly.Any balance | 0.25% | $25 | Dividends compounded and paid monthly. |
Christmas Savings
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and paid annually.Any balance | 0.10% | $10 | Dividends compounded and paid annually. |
Sources (1)
- hamakuafcu.org/rates · captured Sep 16, 2026
Who can join Hamakua 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
- People who live, work, worship, or attend school on Hawaiʻi Island are eligible for membership.
Family and household
- Immediate family members of individuals eligible through the geographic field of membership are eligible for membership.
- Spouses of persons who died while in the field of membership are eligible for membership.
Cost to join
- Establishing membership requires payment of a $1.00 membership fee.
- Establishing membership requires a deposit of $10.00 or more into a Regular Share account.
Membership information collected October 4, 2026.