Credit union · NCUA insured
Hawaii Central Federal Credit Union Savings Rates
Hawaii Central Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Investment. Rates checked October 22, 2026.
How Hawaii Central Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii Central Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii Central Federal Credit Union
0.15%APY
- Minimum
- $500
- Earns on $10,000 a year
- $15
Money Market Investment
Top rate
Sunflower Bank
3.02%APY
- Minimum
- —
- Earns on $10,000 a year
- $302
2nd-highest rate
PenFed Credit Union
2.70%APY
- Minimum
- $5
- Earns on $10,000 a year
- $270
Hawaii Central Federal Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Hawaii Central 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 Investment
0.15%APY
Minimum deposit or withdrawal is $100. No electronic, telephonic, or other pre-authorized or automatic transactions are permitted. Tiered Rate Account: dividend rate for a tier applies to entire balance if balance is within that range. Minimum balance to avoid charge is $500.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to avoid charge is $500. Minimum deposit or withdrawal is $100. Dividends compounded and credited monthly.Over $0 | 0.15% | $15 | Minimum balance to avoid charge is $500. Minimum deposit or withdrawal is $100. Dividends compounded and credited monthly. |
Sources (2)
- hawaiicentral.org/rates/money-market-investment
- hawaiicentral.org/wp-content/u…es-and-SC-8-1-2026.x.pdf
All captured Sep 16, 2026
Central Savings Account
0.10%APY
Dividends declared and paid quarterly. Par value of a share is $25.00. Dividends calculated using Average Daily Balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to avoid $5.00 monthly service charge is $25. Minimum balance to earn APY is $100. Dividends compounded and credited quarterly.$100 and up | 0.10% | $10 | Minimum balance to avoid $5.00 monthly service charge is $25. Minimum balance to earn APY is $100. Dividends compounded and credited quarterly. |
Special-purpose accounts
Holiday Savings Account
1.00%APY
Distributes entire balance once a year on or after October 31/November 1. Early withdrawal requires account closure, forfeiture of accrued interest, and a $15 penalty. Dividends calculated using Daily Balance method. No electronic, telephonic, or pre-authorized/automatic transactions permitted.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance to avoid charge is $0.00. Minimum balance to earn APY is $0.01. Dividends compounded and credited annually (generally Oct. 31).Over $0 | 1.00% | $100 | Minimum balance to avoid charge is $0.00. Minimum balance to earn APY is $0.01. Dividends compounded and credited annually (generally Oct. 31). |
Sources (3)
- hawaiicentral.org/personal/savings
- hawaiicentral.org/rates/holiday-savings-account
- hawaiicentral.org/wp-content/u…es-and-SC-8-1-2026.x.pdf
All captured Sep 16, 2026
IRA Share Account
0.10%APY · 2 terms
Available for Traditional, Roth, and Coverdell IRAs. Dividends calculated using Average Daily Balance method and paid/compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownMinimum balance to avoid charge is $0.00. Minimum balance to earn APY is $0.01. Dividends compounded and credited quarterly | 0.10% | $0 |
| 12 monthsMinimum balance to avoid charge is $0.00. Minimum balance to earn APY is $0.01. Dividends compounded and credited quarterly. Stated term 1 Year | 0.10% | $10 |
Sources (3)
- hawaiicentral.org/personal/iras
- hawaiicentral.org/rates/ira-share-account
- hawaiicentral.org/wp-content/u…es-and-SC-8-1-2026.x.pdf
All captured Sep 16, 2026
Who can join Hawaii Central 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 available to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Honolulu County (Island of Oahu), Hawaii.
Employers and groups
- Membership is open to employees of this credit union and organizations of such persons.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) and household members of credit union employees.
Cost to join
- Opening a Regular Share (Savings) Account officially establishes membership in Hawaii Central Federal Credit Union.
Membership information collected October 4, 2026.