Bank · FDIC insured
Hawaii National Bank Savings Rates
Hawaii National Bank’s best savings rate is 0.07% APY on $10,000, with its Personal Savings. Rates checked October 22, 2026.
How Hawaii National Bank’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii National Bank has the most branches. $10,000, best rate first.
This bank’s best
Hawaii National Bank
0.07%APY
- Minimum
- $100
- Earns on $10,000 a year
- $7
Personal Savings
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 National Bank savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0000.07%
- QualifiedQualified0.07%
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 National Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Savings
0.07%APY
Available to personal banking customers. $3 monthly fee waived with a $200 minimum daily balance. A paper statement fee of $2 per printed account statement applies monthly unless enrolled in free eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100 to earn interest. $3 monthly fee waived with $200 minimum daily balance. $2 monthly paper statement fee unless enrolled in eStatements.$100 and up | 0.07% | $7 | Minimum daily balance of $100 to earn interest. $3 monthly fee waived with $200 minimum daily balance. $2 monthly paper statement fee unless enrolled in eStatements. |
Sources (3)
- hawaiinational.bank/personal/savings
- hawaiinational.bank/personal/checking-savings-cds
- hawaiinational.bank/personal/rates
All captured Sep 16, 2026
VIP Money Market Deposit
0.05%APY
Minimum deposit $1,000. $8 monthly fee waived with a $2,000 minimum daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,999Minimum daily balance to earn interest is $50. $8 monthly fee waived with $2,000 minimum daily balance. Fees may reduce earnings. | 0.02% | — | Minimum daily balance to earn interest is $50. $8 monthly fee waived with $2,000 minimum daily balance. Fees may reduce earnings. |
| $2,000 and upRate increases for daily balance >$2,000. $8 monthly fee waived with $2,000 minimum daily balance. Fees may reduce earnings. | 0.05% | $5 | Rate increases for daily balance >$2,000. $8 monthly fee waived with $2,000 minimum daily balance. Fees may reduce earnings. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Christmas Savings
0.07%APY
No monthly fee and no minimum balance requirement. Also listed as Christmas Club on the deposit rate schedule.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum daily balance of $1 to earn interest. Yearly printed account statement.$1 and up | 0.07% | $7 | Minimum daily balance of $1 to earn interest. Yearly printed account statement. |
Sources (3)
- hawaiinational.bank/personal/christmas-savings
- hawaiinational.bank/personal/checking-savings-cds
- hawaiinational.bank/personal/rates
All captured Sep 16, 2026
Kids' Savings
0.07%APY
Designed for kids ages 5-17. No monthly fee. A paper statement fee of $2 per printed account statement applies monthly unless customer enrolls in free eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFor ages 5-17. Minimum daily balance of $100 to earn interest. $2 monthly fee per printed account statement unless enrolled in free eStatements.$100 and up | 0.07% | $7 | For ages 5-17. Minimum daily balance of $100 to earn interest. $2 monthly fee per printed account statement unless enrolled in free eStatements. |
Sources (3)
- hawaiinational.bank/personal/kids-savings
- hawaiinational.bank/personal/checking-savings-cds
- hawaiinational.bank/personal/rates
All captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.