Credit union · NCUA insured
Hawaii Community Federal Credit Union Savings Rates
Top CarrotHawaii Community Federal Credit Union’s best savings rate is 1.16% APY on $10,000, with its Money Manager Savings. Rates checked October 22, 2026.
How Hawaii Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii Community Federal Credit Union
1.16%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $116
Money Manager 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
Hawaii Community Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.16%
- $100,000 balance$100,0001.56%
- QualifiedQualified1.16%
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 Community 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.
Premium Saver Savings
1.26%APY
A minimum opening deposit of $50,000 is required. If average daily balance is less than $50,000, a monthly service fee of $20.00 applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Tier 1. $20.00 monthly service fee if average daily balance is less than $50,000.00. | 1.26% | $126 | Tier 1. $20.00 monthly service fee if average daily balance is less than $50,000.00. |
| $50,000 – $75,000Tier 2. Fee of $20.00 applies if average daily balance falls below $50,000.00. | 1.36% | — | Tier 2. Fee of $20.00 applies if average daily balance falls below $50,000.00. |
| $75,000 – $100,000Tier 3. Fee of $20.00 applies if average daily balance falls below $50,000.00. | 1.46% | — | Tier 3. Fee of $20.00 applies if average daily balance falls below $50,000.00. |
| $100,000 – $250,000Tier 4. Fee of $20.00 applies if average daily balance falls below $50,000.00. | 1.56% | — | Tier 4. Fee of $20.00 applies if average daily balance falls below $50,000.00. |
| $250,000 and upTier 5. Fee of $20.00 applies if average daily balance falls below $50,000.00. | 2.07% | — | Tier 5. Fee of $20.00 applies if average daily balance falls below $50,000.00. |
Money Manager Savings
1.16%APY
A minimum opening deposit of $5,000 is required. If average daily balance is less than $5,000, a monthly service fee of $20.00 applies.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1. $20.00 monthly service fee if average daily balance is less than $5,000.00. | 1.00% | — | Tier 1. $20.00 monthly service fee if average daily balance is less than $5,000.00. |
| $5,000 – $10,000Tier 2. Fee of $20.00 applies if average daily balance falls below $5,000.00. | 1.06% | — | Tier 2. Fee of $20.00 applies if average daily balance falls below $5,000.00. |
| $10,000 – $25,000Tier 3. Fee of $20.00 applies if average daily balance falls below $5,000.00. | 1.16% | $116 | Tier 3. Fee of $20.00 applies if average daily balance falls below $5,000.00. |
| $25,000 and upTier 4. Fee of $20.00 applies if average daily balance falls below $5,000.00. | 1.26% | — | Tier 4. Fee of $20.00 applies if average daily balance falls below $5,000.00. |
Construction Loan Share Account
0.10%APY
May only be used in conjunction with a member's approved construction loan.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMust be used in conjunction with an approved construction loan.Any balance | 0.10% | $10 | Must be used in conjunction with an approved construction loan. |
Sources (1)
- hicommfcu.com/rates/savings-rates · captured Oct 3, 2026
Secondary Share Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- hicommfcu.com/rates/savings-rates · captured Oct 3, 2026
Share Savings Account
0.05%APY
Establishes membership with HCFCU.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAverage daily balance of $50.00 required to obtain disclosed APY and avoid service fee.$50 and up | 0.05% | $5 | Average daily balance of $50.00 required to obtain disclosed APY and avoid service fee. |
Special-purpose accounts
Coverdell Education Savings Account
2.07%APY
Tax-advantaged savings for education expenses. Annual contributions up to $2,000 per beneficiary allowed until age 18. Funds must be used by age 30 or transferred to another eligible beneficiary.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAverage daily balance of $5.00 required to obtain disclosed APY.$5 and up | 2.07% | $207 | Average daily balance of $5.00 required to obtain disclosed APY. |
Sources (2)
All captured Oct 3, 2026
Individual Retirement Account
2.07%APY
Available as Traditional IRA or Roth IRA options. Tax-advantaged retirement savings subject to IRS regulations and eligibility requirements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upAverage daily balance of $5.00 required to obtain disclosed APY. No setup or maintenance fees.$5 and up | 2.07% | $207 | Average daily balance of $5.00 required to obtain disclosed APY. No setup or maintenance fees. |
Club Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAverage daily balance of $50.00 required to obtain disclosed APY and avoid service fee.$50 and up | 0.05% | $5 | Average daily balance of $50.00 required to obtain disclosed APY and avoid service fee. |
Sources (1)
- hicommfcu.com/rates/savings-rates · captured Oct 3, 2026
Student Credit Union Account
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAverage daily balance of $50.00 required to obtain disclosed APY; average daily balance of $5.00 to avoid service fee.$50 and up | 0.05% | $5 | Average daily balance of $50.00 required to obtain disclosed APY; average daily balance of $5.00 to avoid service fee. |
Sources (1)
- hicommfcu.com/rates/savings-rates · captured Oct 3, 2026
Youth Savings Account
0.05%APY
Designed for members age 18 and younger. Requires joint membership with an adult or parent until the minor is of age to hold the account alone. Eligible for Deposit Days.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAverage daily balance of $50.00 required to obtain disclosed APY; average daily balance of $5.00 to avoid service fee. No monthly service fee.$50 and up | 0.05% | $5 | Average daily balance of $50.00 required to obtain disclosed APY; average daily balance of $5.00 to avoid service fee. No monthly service fee. |
Who can join Hawaii Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.