Credit union · NCUA insured
Hawaiian Electric Employees FCU Savings Rates
Hawaiian Electric Employees FCU’s best savings rate is 0.10% APY on $10,000, with its Share. Rates checked October 22, 2026.
How Hawaiian Electric Employees FCU’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaiian Electric Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaiian Electric Employees FCU
0.10%APY
- Minimum
- $5
- Earns on $10,000 a year
- $10
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
Hawaiian Electric Employees FCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Hawaiian Electric 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.
Share
0.10%APY
Must be a member. Minimum $5.00 to open with 6 months to bring balance to $100.00; must maintain a minimum balance of $100.00 to remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum $5.00 to open with 6 months to bring balance to $100.00 (must maintain a minimum balance of $100.00 to remain open).Any balance | 0.10% | $10 | Minimum $5.00 to open with 6 months to bring balance to $100.00 (must maintain a minimum balance of $100.00 to remain open). |
Special-purpose accounts
Roth IRA Savings
0.50%APY
Offers opportunity for tax-free earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Christmas Club
0.15%APY
Payroll deduction. Funds will be transferred to share account on or after October 1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePayroll deduction; funds transferred to share account on or after October 1.Any balance | 0.15% | $15 | Payroll deduction; funds transferred to share account on or after October 1. |
Custodial Account
0.15%APY
Available to members' children and grandchildren from birth to age 21 years old. Minimum $5.00 to open with 6 months to bring balance to $100.00 (must maintain a minimum balance of $100.00 to remain open).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to members' children and grandchildren from birth to age 21 years old. Minimum $5.00 to open with 6 months to bring balance to $100.00 (must maintain a minimum balance of $100.00 to remain open).Any balance | 0.15% | $15 | Available to members' children and grandchildren from birth to age 21 years old. Minimum $5.00 to open with 6 months to bring balance to $100.00 (must maintain a minimum balance of $100.00 to remain open). |
Who can join Hawaiian Electric Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active and retired employees of Hawaiian Electric Company (HECO) are eligible for membership.
- Active and retired employees of Hawaiian Electric Industries (HEI) are eligible for membership.
- Active and retired members and employees of IBEW Local 1260 are eligible for membership.
- Active and retired employees of Maui Electric Company Limited (MECO) are eligible for membership.
- Active and retired Hawaiian Electric Employees Federal Credit Union staff are eligible for membership.
Family and household
- Immediate family and household members of active and retired employees and members of qualifying sponsor organizations are eligible for membership.
Membership information collected October 4, 2026.