Hawaiian Financial Federal Credit Union Savings & Money Market Rates

How Hawaiian Financial Federal Credit Union’s savings rates compare

Compared with banks and credit unions near Urban Honolulu, HI, where Hawaiian Financial Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Hawaiian Financial Federal Credit Union
0.35%APY
Minimum
$5
Earns on $10,000 a year
$35
VIP Money Market
Top rate
Sunflower Bank
3.02%APY
Minimum
—
Earns on $10,000 a year
$302
Sunflower Bank rates
2nd-highest rate
PenFed Credit Union
2.70%APY
Minimum
$5
Earns on $10,000 a year
$270
PenFed Credit Union rates

Compare savings rates near you →

Savings score

Higher than 39% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.35%
$100,000 balance$100,0001.50%
QualifiedQualified0.35%

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.

How the score works →

Where Hawaiian Financial Federal Credit Union 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.

VIP Money Market

0.35%APY$5 to open

Must be at least 18 years old to open an individual account. Tiered rate account; once a particular balance range is met, the Dividend Rate and APY for that balance range apply to the entire balance. A minimum average daily balance of $500.00 is required to avoid a $1.00/month share maintenance fee. A minimum daily balance is required to obtain the APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $5,000Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.	0.10%	—	Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.
$5,000 – $50,000Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.	0.35%	$35	Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.
$50,000 – $100,000Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.	1.00%	—	Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.
$100,000 and upAverage daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.	1.50%	—	Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.

Sources (3)

All captured Oct 3, 2026

Share Account

0.10%APY$5 to open

Must be at least 18 years old to open an individual account. Minimum average daily balance of $100.00 required to avoid a $1.00 monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$1.00 monthly fee applies if average daily balance is below $100.00; no charge if $100.00 or higher. Minimum average daily balance required to obtain APY.Any balance	0.10%	$10	$1.00 monthly fee applies if average daily balance is below $100.00; no charge if $100.00 or higher. Minimum average daily balance required to obtain APY.

Sources (4)

All captured Oct 3, 2026

Special-purpose accounts

Education IRA Share

0.30%APYIRA$5 to open

Coverdell Education Savings Account (ESA) designed for higher education needs. Nondeductible annual contributions with tax-free withdrawals for qualified expenses. A $5 minimum balance is required for IRA Shares. No monthly fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum average daily balance required to obtain APY. Beneficiary must be under age 18 at contribution; funds must be distributed by beneficiary's 30th birthday. No monthly fees.$5 and up	0.30%	$30	Minimum average daily balance required to obtain APY. Beneficiary must be under age 18 at contribution; funds must be distributed by beneficiary's 30th birthday. No monthly fees.

Sources (3)

All captured Oct 3, 2026

Roth IRA Share

0.30%APYIRA$5 to open

Nondeductible contributions with tax-free qualified withdrawals. A $5 minimum balance is required for IRA Shares. No monthly fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum average daily balance required to obtain APY. No monthly fees.$5 and up	0.30%	$30	Minimum average daily balance required to obtain APY. No monthly fees.

Sources (3)

All captured Oct 3, 2026

Traditional IRA Share

0.30%APYIRA$5 to open

Designed to help wage earners save for retirement with tax-deferred earnings and potential tax-deductible contributions. A $5 minimum balance is required for IRA Shares. No monthly fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum average daily balance required to obtain APY. No monthly fees.$5 and up	0.30%	$30	Minimum average daily balance required to obtain APY. No monthly fees.

Sources (3)

All captured Oct 3, 2026

Advantage Savings

0.10%APYKids and teens$25 to open

Designed for ages 13-22. Account must be joint with parent, grandparent or legal guardian for account holders 17 and under. Account transitions to a Regular Savings Account at age 23.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMinimum average daily balance required to obtain APY. No monthly service fee.$25 and up	0.10%	$10	Minimum average daily balance required to obtain APY. No monthly service fee.

Sources (3)

All captured Oct 3, 2026

Christmas Savings

0.10%APYClub$5 to open

Must be at least 18 years old to open an individual account. Funds are transferred to savings, checking, and/or VIP account on October 1st / early October. $5 minimum balance required to open and maintain account. No monthly service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upMinimum average daily balance required to obtain APY. No monthly service fee.$5 and up	0.10%	$10	Minimum average daily balance required to obtain APY. No monthly service fee.

Sources (3)

All captured Oct 3, 2026

Kids Club Savings

0.10%APYKids and teens$25 to open

Designed for children 12 and under. Account must be joint with parent, grandparent or legal guardian. Transitions to Advantage Savings Account at age 13.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upMinimum average daily balance required to obtain APY. No monthly service fee.$25 and up	0.10%	$10	Minimum average daily balance required to obtain APY. No monthly service fee.

Sources (4)

All captured Oct 3, 2026

Who can join Hawaiian Financial Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← Hawaiian Financial Federal Credit Union overview

How Hawaiian Financial Federal Credit Union’s savings rates compare

Hawaiian Financial Federal Credit Union savings score

Current savings rates

VIP Money Market

Share Account

Special-purpose accounts

Education IRA Share

Roth IRA Share

Traditional IRA Share

Advantage Savings

Christmas Savings

Kids Club Savings

Who can join Hawaiian Financial Federal Credit Union