Credit union · NCUA insured
HFS Federal Credit Union Savings Rates
HFS Federal Credit Union’s best savings rate is 1.11% APY on $10,000, with its Money Manager. Rates checked October 22, 2026.
How HFS Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Hilo, HI, where HFS Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HFS Federal Credit Union
1.11%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $111
Money Manager
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
HFS Federal Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0001.11%
- $100,000 balance$100,0001.11%
- QualifiedQualified1.11%
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 HFS 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.
Money Manager
1.11%APY
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account. Minimum withdrawal amount is $250.00. Limit of 6 transfers/withdrawals per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. If the balance does not meet $2,500.00 for any day during the month, the account earns the dividend rate of a Share Draft Account. | 0.00% | — | Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. If the balance does not meet $2,500.00 for any day during the month, the account earns the dividend rate of a Share Draft Account. |
| $2,500 – $100,000Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. A minimum daily balance of $2,500.00 is required to obtain the stated APY. | 1.11% | $111 | Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. A minimum daily balance of $2,500.00 is required to obtain the stated APY. |
| $100,000 – $250,000Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. A minimum daily balance of $2,500.00 is required to obtain the stated APY. | 1.11% | — | Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. A minimum daily balance of $2,500.00 is required to obtain the stated APY. |
| $250,000 and upTiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. A minimum daily balance of $2,500.00 is required to obtain the stated APY. | 1.11% | — | Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. A minimum daily balance of $2,500.00 is required to obtain the stated APY. |
Sources (2)
All captured Oct 22, 2026
Regular Share
0.15%APY
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. Minimum balance of $50.00 to avoid $1.00 monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$1.00 monthly account service fee if $50 minimum average daily balance for the period is not maintained. Dividends calculated via average daily balance method, compounded and credited monthly.$100 and up | 0.15% | $15 | $1.00 monthly account service fee if $50 minimum average daily balance for the period is not maintained. Dividends calculated via average daily balance method, compounded and credited monthly. |
Special Share
0.15%APY
Separate savings account for specific goals. No monthly or annual maintenance fees. Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirement. Dividends calculated via average daily balance method, compounded and credited monthly.Any balance | 0.15% | $15 | No minimum balance requirement. Dividends calculated via average daily balance method, compounded and credited monthly. |
Sources (3)
- hfsfcu.org/savings-accounts
- hfsfcu.org/share-rates
- hfsfcu.org/wp-content/uploads/…-Shares-October-2026.pdf
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
4.33%APY
Individual Retirement Accounts (Traditional IRA, Roth IRA, and Coverdell Education Savings Account). No fees charged by the Credit Union. Dividend rate generally indexed to 26-week Treasury Bill and may change quarterly. Not available to business accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to earn the stated dividend rate. Dividends compounded and credited quarterly. Rate indexed to 26-week Treasury Bill.Any balance | 4.33% | $433 | No minimum balance to earn the stated dividend rate. Dividends compounded and credited quarterly. Rate indexed to 26-week Treasury Bill. |
Sources (2)
All captured Oct 15, 2026
Children's Savings
0.15%APY
Youth savings account (HFS Kids Club) for minors. Children earn dividends on their entire regular share account balance until age 18. Membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements to earn dividends. Rate applies to the entire balance until age 18. Dividends compounded and credited monthly.Any balance | 0.15% | $15 | No minimum balance requirements to earn dividends. Rate applies to the entire balance until age 18. Dividends compounded and credited monthly. |
Sources (3)
- hfsfcu.org/kids-club-savings
- hfsfcu.org/share-rates
- hfsfcu.org/wp-content/uploads/…-Shares-October-2026.pdf
All captured Oct 15, 2026
Who can join HFS Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live on the island of Hawai‘i.
Employers and groups
- Membership is open to employees of HFS Federal Credit Union.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the island of Hawai‘i.
Family and household
- Membership is open to members of the immediate families (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, and adoptive relationships) or households of eligible persons, and organizations of such persons.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to incorporated and unincorporated organizations located on the island of Hawai‘i, or maintaining a facility on the island of Hawai‘i.
1 more way to join
Other ways
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawai‘i.
Cost to join
- A minimum opening deposit balance of $50.00 is required to open a Savings Account to establish membership.
Membership information collected October 4, 2026.