Credit union · NCUA insured
HELCO Federal Credit Union Savings Rates
HELCO Federal Credit Union’s best savings rate is 1.00% APY on $10,000, with its High Yield. Rates checked October 22, 2026.
How HELCO Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where HELCO Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HELCO Federal Credit Union
1.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $100
High Yield
Top rate
CU Hawaii Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
HELCO Federal Credit Union savings score
85
Savings score
Higher than 69% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified1.00%
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 HELCO 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.
High Yield
1.00%APY
Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.Any balance | 1.00% | $100 | Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable. |
Sources (1)
- helcofcu.org/rates · captured Oct 3, 2026
Shares
0.15%APY
Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.Any balance | 0.15% | $15 | Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable. |
Sources (1)
- helcofcu.org/rates · captured Oct 3, 2026
Special-purpose accounts
X-Mas Savings
0.25%APY
Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable.Any balance | 0.25% | $25 | Dividends and annual percentage yields may change monthly, as determined by the Board of Directors. Rates are subject to change after account is opened. Penalties may be imposed on early withdrawals, as applicable. |
Sources (1)
- helcofcu.org/rates · captured Oct 3, 2026
Who can join HELCO Federal Credit Union
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