Credit union · NCUA insured
Hawaii State FCU Savings Rates
Hawaii State FCU’s best savings rate is 0.05% APY on $10,000, with its Regular Share. Rates checked October 22, 2026.
How Hawaii State FCU’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii State FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii State FCU
0.05%APY
- Minimum
- $20
- Earns on $10,000 a year
- $5
Regular Share
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 State FCU savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0005.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0003.10%
- QualifiedQualified4.00%
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 State 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.
Always Saving
4.00%APY on $10,000
Available to Hawaii residents only; Credit Union membership required. $5 monthly service charge applies if the account's average daily balance falls below $500 for the month, waived for the first 60 days on new accounts. Each member may open one Always Saving account per SSN.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 5.00% |
| Over $5,000 | 3.00% |
On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.
Sources (2)
All captured Oct 22, 2026
Relationship MAX™ Share
0.05%APY
Requires a Relationship Checking account ($2,500 minimum to open). Monthly service fee is $0. Available to Hawaii residents only; Credit Union membership required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000APY applies to the entire account balance each day. No minimum daily balance to earn APY. | 0.05% | $5 | APY applies to the entire account balance each day. No minimum daily balance to earn APY. |
| $25,000 – $50,000APY applies to the entire account balance each day. Minimum daily balance to earn APY is $25,000.00. | 0.05% | — | APY applies to the entire account balance each day. Minimum daily balance to earn APY is $25,000.00. |
| $50,000 – $100,000APY applies to the entire account balance each day. Minimum daily balance to earn APY is $50,000.00. | 1.00% | — | APY applies to the entire account balance each day. Minimum daily balance to earn APY is $50,000.00. |
| $100,000 – $250,000APY applies to the entire account balance each day. Minimum daily balance to earn APY is $100,000.00. | 2.00% | — | APY applies to the entire account balance each day. Minimum daily balance to earn APY is $100,000.00. |
| $250,000 – $500,000APY applies to the entire account balance each day. Minimum daily balance to earn APY is $250,000.00. | 2.00% | — | APY applies to the entire account balance each day. Minimum daily balance to earn APY is $250,000.00. |
| $500,000 and upAPY applies to the entire account balance each day. Minimum daily balance to earn APY is $500,000.00. | 2.00% | — | APY applies to the entire account balance each day. Minimum daily balance to earn APY is $500,000.00. |
Sources (2)
- hawaiistatefcu.com/personal/checking-savings/savings
- hawaiistatefcu.com/personal/ch…savings/relationship-max
All captured Oct 22, 2026
Regular Share
0.05%APY
Basic membership account opened when joining Hawaii State FCU. Credit Union membership and Hawaii residency required for new accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn APY.Any balance | 0.05% | $5 | No minimum daily balance required to earn APY. |
Sources (1)
- hawaiistatefcu.com/personal/checking-savings/savings · captured Oct 22, 2026
Special-purpose accounts
Individual Retirement Account
0.20%APY
Traditional and Roth IRA savings options available. Credit union membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required to earn APY.Any balance | 0.20% | $20 | No minimum daily balance required to earn APY. |
Sources (2)
- hawaiistatefcu.com/personal/checking-savings/savings
- hawaiistatefcu.com/personal/ch…vings/savings/retirement
All captured Oct 22, 2026
Closed to new customers
Right By You Savings
2.75%APY on $10,000
Applies to Existing Accounts Only. This account is no longer offered as of October 1, 2025. Credit Union membership and Hawaii residency required.
| Part of the balance | Rate on that part |
|---|---|
| Up to $250,000 | 2.75% |
| Over $250,000 | 0.05% |
On $10,000 the tiers blend to about 2.75% APY, earning $275 a year.
Sources (1)
- hawaiistatefcu.com/personal/checking-savings/savings · captured Oct 22, 2026
Investment Share
0.07%APY
Applies to existing accounts only. This account is no longer offered as of April 1, 2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500APY applies to the full balance in that account when average daily balance range is met. No minimum daily balance to earn APY. | 0.05% | — | APY applies to the full balance in that account when average daily balance range is met. No minimum daily balance to earn APY. |
| $2,500 – $25,000APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $2,500. | 0.07% | $7 | APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $2,500. |
| $25,000 – $50,000APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $25,000. | 0.18% | — | APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $25,000. |
| $50,000 – $100,000APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $50,000. | 0.18% | — | APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $50,000. |
| $100,000 and upAPY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $100,000. | 0.18% | — | APY applies to the full balance in that account when average daily balance range is met. Minimum daily balance to earn APY is $100,000. |
Sources (2)
All captured Oct 22, 2026
Who can join Hawaii State FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Hawaii residents who are employees or members of an enrolled Select Business Partner located in the State of Hawaii are eligible to join.
Military, government and schools
- Hawaii residents who are active or retired employees of The State of Hawaii, City and County of Honolulu, Maui County, or Hawaii State FCU are eligible to join.
Family and household
- Hawaii residents who are immediate family members (including spouses, parents, grandparents, children, siblings) or household members of current members, as well as spouses of persons who died while within the field of membership, are eligible to join.
Other ways
- Hawaii residents who make a donation to either Friends of the Library Hawaii or The Friends of Iolani Palace are eligible for membership.
Membership information collected October 4, 2026.