Credit union · NCUA insured
HawaiiUSA FCU Savings Rates
HawaiiUSA FCU’s best savings rate is 1.35% APY on $10,000, with its Premium Money Market Account. Rates checked October 22, 2026.
How HawaiiUSA FCU’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where HawaiiUSA FCU has the most branches. $10,000, best rate first.
This credit union’s best
HawaiiUSA FCU
1.35%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $135
Premium Money Market Account
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
HawaiiUSA FCU savings score
87
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0001.85%
- QualifiedQualified1.35%
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.
Where HawaiiUSA 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.
Premium Money Market Account
1.35%APY
Minimum opening balance is $10,000. Dividend rate reverts to the Savings ('Prime Share') rate if $10,000 daily average balance is not maintained. Monthly service charge of $10.00 is assessed if average daily balance is less than $10,000.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Rate applies to balance <$10,000.00 with minimum average daily balance to earn APY of $100.00. Monthly service charge of $10.00 assessed if average daily balance is less than $10,000.00. | 0.05% | — | Rate applies to balance <$10,000.00 with minimum average daily balance to earn APY of $100.00. Monthly service charge of $10.00 assessed if average daily balance is less than $10,000.00. |
| $10,000 – $25,000 | 1.35% | $135 | |
| $25,000 – $50,000 | 1.35% | — | |
| $50,000 – $75,000 | 1.35% | — | |
| $75,000 – $100,000 | 1.60% | — | |
| $100,000 – $250,000 | 1.85% | — | |
| $250,000 – $500,000 | 1.85% | — | |
| $500,000 – $1,000,000 | 2.35% | — | |
| $1,000,000 and up | 2.85% | — |
Secondary Shares
0.05%APY
Must maintain minimum average balance of $25.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance to earn APY is $100.00. No setup fee or monthly account service fee.$100 and up | 0.05% | $5 | Minimum average daily balance to earn APY is $100.00. No setup fee or monthly account service fee. |
Share Savings
0.05%APY
Must maintain minimum average balance of $5.00. $1.00 monthly service fee assessed if the average daily balance for the period is less than $5.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance to earn APY is $100.00. Monthly fee waived if average daily balance is at least $5.00.$100 and up | 0.05% | $5 | Minimum average daily balance to earn APY is $100.00. Monthly fee waived if average daily balance is at least $5.00. |
Special-purpose accounts
Family Health Savings Account
0.85%APY
Tax-advantaged family HSA for individuals enrolled in a high-deductible health plan. $25.00 set up fee, $1.00 monthly service fee, and $100.00 fee if closed within 180 days.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000 | 0.55% | — | |
| $1,000 – $2,000Minimum average daily balance to earn APY is $1,000.01. | 0.65% | — | Minimum average daily balance to earn APY is $1,000.01. |
| $2,000 – $5,000Minimum average daily balance to earn APY is $2,000.01. | 0.75% | — | Minimum average daily balance to earn APY is $2,000.01. |
| $5,000 – $10,000Minimum average daily balance to earn APY is $5,000.01. | 0.85% | $85 | Minimum average daily balance to earn APY is $5,000.01. |
| Over $10,000Minimum average daily balance to earn APY is $10,000.01. Applies to balances greater than $10,000.00. | 1.05% | — | Minimum average daily balance to earn APY is $10,000.01. Applies to balances greater than $10,000.00. |
Individual Health Savings Account
0.85%APY
Tax-advantaged HSA for individuals enrolled in a high-deductible health plan. $25.00 set up fee, $1.00 monthly service fee, and $100.00 fee if closed within 180 days.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Minimum average daily balance to earn APY is $100.00. | 0.55% | — | Minimum average daily balance to earn APY is $100.00. |
| $1,000 – $2,000Minimum average daily balance to earn APY is $1,000.01. | 0.65% | — | Minimum average daily balance to earn APY is $1,000.01. |
| $2,000 – $5,000Minimum average daily balance to earn APY is $2,000.01. | 0.75% | — | Minimum average daily balance to earn APY is $2,000.01. |
| $5,000 – $10,000Minimum average daily balance to earn APY is $5,000.01. | 0.85% | $85 | Minimum average daily balance to earn APY is $5,000.01. |
| Over $10,000Minimum average daily balance to earn APY is $10,000.01. Applies to balances over $10,000.00. | 1.05% | — | Minimum average daily balance to earn APY is $10,000.01. Applies to balances over $10,000.00. |
Sources (2)
- hawaiiusafcu.com/resources/pla…s/personal-savings-rates
- hawaiiusafcu.com/getContentAss…-of-Fees-and-Charges.pdf
All captured Oct 15, 2026
Christmas Shares
0.40%APY
Save up to $5,000.00 via automatic deduction. Money automatically transfers to a designated Savings or Checking Account on October 16. Fees may be charged on early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Minimum average daily balance to earn APY is $100.00. Maximum balance is $5,000.00 (must be automatic deduction). No minimum opening balance requirement.$100 – $5,000 | 0.40% | — | Minimum average daily balance to earn APY is $100.00. Maximum balance is $5,000.00 (must be automatic deduction). No minimum opening balance requirement. |
IRA Share
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance to earn APY is $500.00.$500 and up | 0.05% | $5 | Minimum average daily balance to earn APY is $500.00. |
Sources (2)
- hawaiiusafcu.com/resources/pla…s/personal-savings-rates
- hawaiiusafcu.com/getContentAss…-of-Fees-and-Charges.pdf
All captured Oct 15, 2026
Roth IRA Share
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 and upMinimum average daily balance to earn APY is $500.00.$500 and up | 0.05% | $5 | Minimum average daily balance to earn APY is $500.00. |
Sources (1)
- hawaiiusafcu.com/resources/pla…s/personal-savings-rates · captured Oct 15, 2026
Who can join HawaiiUSA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with any of the credit union's 10,000+ Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to individuals (or members of their family or household) who are employees, retirees, students, or student parents in a majority of Hawaii pre-K through 12th grade schools.
Family and household
- Eligibility is open to immediate family members of existing HawaiiUSA members.
Membership information collected October 4, 2026.