Credit union · NCUA insured
Hawaii County Employees FCU Savings Rates
Top CarrotHawaii County Employees FCU’s best savings rate is 2.00% APY on $10,000, with its Money Market Share Account. Rates checked October 22, 2026.
How Hawaii County Employees FCU’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii County Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii County Employees FCU
2.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $200
Money Market Share Account
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 County Employees FCU savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 Hawaii County Employees FCU 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 Share Account
2.00%APY
Effective as of 2025-01-01. Monthly compounding. Average Daily Balance method. Minimum opening deposit and minimum balance to earn stated APY is $2,500.00. Account transfer limitations apply.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 2.00% | $200 |
Regular Share Account
0.10%APY
Account transfer limitations apply. Membership requires eligibility. Dividends calculated using average daily balance method, compounded and credited monthly. Minimum balance of $50.00 required at all times. Includes $2,000 Accidental Death and Dismemberment insurance for members over age 15.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded monthly, credited monthly. Minimum balance to earn stated APY is $50.00. Average daily balance method.$50 and up | 0.10% | $10 | Dividends compounded monthly, credited monthly. Minimum balance to earn stated APY is $50.00. Average daily balance method. |
Sources (3)
All captured Sep 16, 2026
Sub-Account Share Account
0.10%APY
Account transfer limitations apply. Dividends calculated using average daily balance method, compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upDividends compounded monthly, credited monthly. Minimum balance to earn stated APY is $50.00. Average daily balance method. Shared rate table with Regular Share Account.$50 and up | 0.10% | $10 | Dividends compounded monthly, credited monthly. Minimum balance to earn stated APY is $50.00. Average daily balance method. Shared rate table with Regular Share Account. |
Special-purpose accounts
IRA Share Account
1.50%APY
Account transfer limitations apply. Individual Retirement Account. Dividends calculated using average daily balance method, compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, credited monthly. Average daily balance method. Minimum balance to earn stated APY not stated.Any balance | 1.50% | $150 | Dividends compounded monthly, credited monthly. Average daily balance method. Minimum balance to earn stated APY not stated. |
Christmas Club Share Account
1.00%APY
Account transfer and withdrawal limitations apply. Can be opened at any time during the year with a $5.00 minimum balance required. Checks distributed by the first week in November or directly deposited upon maturity; automatically renews each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded monthly, credited monthly. Average daily balance method. Minimum balance to earn stated APY not stated.Any balance | 1.00% | $100 | Dividends compounded monthly, credited monthly. Average daily balance method. Minimum balance to earn stated APY not stated. |
Sources (3)
All captured Sep 16, 2026
Who can join Hawaii County Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Hawaii Government Employees Association or the United Public Workers Association who work in Hilo, Hawaii are eligible for membership.
Military, government and schools
- Persons employed under the Comprehensive Employment and Training Act who work for the County of Hawaii on the island of Hawaii are eligible for membership.
- Registered volunteers of the County of Hawaii who work at County of Hawaii facilities on the island of Hawaii under the supervision of County of Hawaii employees are eligible for membership.
- Hawaii County employees working on the island of Hawaii are eligible for membership.
Family and household
- Family members of eligible employees, CETA workers, and registered volunteers are eligible for membership.
Membership information collected October 4, 2026.