Credit union · NCUA insured
Hawaii FCU Savings Rates
Hawaii FCU’s best savings rate is 0.15% APY on $10,000, with its PMA Money Market. Rates checked October 22, 2026.
How Hawaii FCU’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii FCU
0.15%APY
- Minimum
- $500
- Earns on $10,000 a year
- $15
PMA Money Market
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 FCU savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.20%
- 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 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.
PMA Money Market
0.15%APY
Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $10,000Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. | 0.15% | — | Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. |
| $10,000 – $25,000Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. | 0.15% | $15 | Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. |
| $25,000 – $50,000Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. | 0.15% | — | Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. |
| $50,000 – $75,000Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. | 0.20% | — | Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. |
| $75,000 and upDividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. | 0.20% | — | Dividend Paid Monthly. Minimum balance requirement to open and earn advertised APY is $500. |
Sources (1)
- hawaiifcu.org/deposit-rates · captured Sep 16, 2026
Escrow Savings
0.10%APY
Dividend Paid Quarterly. Share rates are effective 10/01/2022 (unless otherwise noted) and subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly.$100 and up | 0.10% | $10 | Minimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly. |
Sources (1)
- hawaiifcu.org/deposit-rates · captured Oct 3, 2026
Regular Savings
0.10%APY
Dividend Paid Quarterly. Share rates are effective 10/01/2022 (unless otherwise noted) and subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly.$100 and up | 0.10% | $10 | Minimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly. |
Sources (1)
- hawaiifcu.org/deposit-rates · captured Oct 3, 2026
Special-purpose accounts
Christmas Savings
0.10%APY
Dividend Paid Quarterly. Share rates are effective 10/01/2022 (unless otherwise noted) and subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly.$100 and up | 0.10% | $10 | Minimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly. |
Sources (1)
- hawaiifcu.org/deposit-rates · captured Oct 3, 2026
IRA Savings
0.10%APY
Dividend Paid Quarterly. Share rates are effective 10/01/2022 (unless otherwise noted) and subject to change without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly.$100 and up | 0.10% | $10 | Minimum balance requirement to open and earn advertised APY is $100. Deposit tier stated as $100 – $499.99 OR $500 & Above. Dividend Paid Quarterly. |
Sources (1)
- hawaiifcu.org/deposit-rates · captured Oct 3, 2026
Who can join Hawaii FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school on the island of O’ahu.
Employers and groups
- Membership is open to individuals who participate in associations headquartered on O’ahu.
- Membership is open to employees of Hawaii FCU.
- Membership is open to incorporated and unincorporated organizations located on, or maintaining a facility on O’ahu.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate families and households of eligible persons.
4 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership.
Other ways
- Membership is open to volunteers in the community.
- Membership is open to individuals who participate in programs to alleviate poverty or distress located on O’ahu.
- Membership is open to existing Hawaii FCU members of record on March 27, 2009.
Cost to join
- Members must open a Savings Account and maintain a minimum balance of $30.
Membership information collected October 4, 2026.