Credit union · NCUA insured
Honolulu Fire Department Federal Credit Union Savings Rates
Honolulu Fire Department Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its 9-1-1 Savings. Rates checked October 22, 2026.
How Honolulu Fire Department Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Honolulu Fire Department Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Honolulu Fire Department Federal Credit Union
0.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Super Savings
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
Honolulu Fire Department Federal Credit Union savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.15%
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 Honolulu Fire Department 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.
Super Savings
Up to 0.15%APY
A tiered savings account for even more earnings. Minimum to open and earn is $2,500. Level Qualifications: All accounts qualified at month end. Standard Level: All members, unless qualified for other levels. Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Fire Level: Primary member is an active firefighter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Fire Level: Primary member is an active firefighter. | 0.15% | $15 | Fire Level: Primary member is an active firefighter. |
| $2,500 – $25,000Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). | 0.07% | $7 | Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). |
| $2,500 – $25,000Standard Level: All members, unless qualified for other levels. | 0.05% | $5 | Standard Level: All members, unless qualified for other levels. |
| $25,000 – $50,000Fire Level: Primary member is an active firefighter. | 0.15% | — | Fire Level: Primary member is an active firefighter. |
| $25,000 – $50,000Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). | 0.07% | — | Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). |
| $25,000 – $50,000Standard Level: All members, unless qualified for other levels. | 0.05% | — | Standard Level: All members, unless qualified for other levels. |
| $50,000 – $100,000Fire Level: Primary member is an active firefighter. | 0.17% | — | Fire Level: Primary member is an active firefighter. |
| $50,000 – $100,000Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). | 0.09% | — | Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). |
| $50,000 – $100,000Standard Level: All members, unless qualified for other levels. | 0.07% | — | Standard Level: All members, unless qualified for other levels. |
| $100,000 and upFire Level: Primary member is an active firefighter. | 0.20% | — | Fire Level: Primary member is an active firefighter. |
| $100,000 and upLifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). | 0.12% | — | Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). |
| $100,000 and upStandard Level: All members, unless qualified for other levels. | 0.10% | — | Standard Level: All members, unless qualified for other levels. |
Sources (2)
All captured Sep 16, 2026
9-1-1 Savings
Up to 0.15%APY
A jumbo savings account with a little extra earnings. Level Qualifications: All accounts qualified at month end. Standard Level: All members, unless qualified for other levels. Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Fire Level: Primary member is an active firefighter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFire Level: Primary member is an active firefighter.Any balance | 0.15% | $15 | Fire Level: Primary member is an active firefighter. |
| Any balanceLifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card).Any balance | 0.10% | $10 | Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). |
| Any balanceStandard Level: All members, unless qualified for other levels.Any balance | 0.05% | $5 | Standard Level: All members, unless qualified for other levels. |
Sources (2)
All captured Sep 16, 2026
The Zone Savings
0.15%APY
Must meet age requirement to earn; minimum to open and earn is $25. Level Qualifications: All accounts qualified at month end. Standard Level: All members, unless qualified for other levels. Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Fire Level: Primary member is an active firefighter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upStandard Level: All members, unless qualified for other levels. Must meet age requirement to earn.$25 and up | 0.15% | $15 | Standard Level: All members, unless qualified for other levels. Must meet age requirement to earn. |
Sources (1)
- hfdfcu.org/deposits/information/savings-rates · captured Sep 16, 2026
Savings
Up to 0.10%APY
Minimum opening and maintain deposit is $20.00. Minimum to open and earn on rate schedule is $100. Accounts qualified at month end. Standard Level: all members unless qualified for other levels. Lifeline Level: membership uninterrupted for 10 years or more or $15,000 in any combination of share and loan balances (excluding Visa Platinum credit card). Fire Level: primary member is an active firefighter. No membership fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upFire Level: primary member is an active firefighter. Minimum to open and earn is $100.$100 and up | 0.10% | $10 | Fire Level: primary member is an active firefighter. Minimum to open and earn is $100. |
| $100 and upLifeline Level: membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Minimum to open and earn is $100.$100 and up | 0.05% | $5 | Lifeline Level: membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Minimum to open and earn is $100. |
| $100 and upStandard Level: all members, unless qualified for other levels. Minimum to open and earn is $100.$100 and up | 0.01% | $1 | Standard Level: all members, unless qualified for other levels. Minimum to open and earn is $100. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Holiday Club Savings
Up to 1.76%APY · 1 term
Term from October 1 to September 30 annually (maximum one year of fixed yield earnings). Funds cashed-out and transferred to Membership Savings Account on September 30 annually. Dividends compounded and credited quarterly. Minimum to earn is $0.01, Maximum to earn is $10,000. Subject to penalty for early withdrawal, which may reduce principal and earnings. Level Qualifications: All accounts qualified at month end. Standard Level: All members, unless qualified for other levels. Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Fire Level: Primary member is an active firefighter.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFire Level: Primary member is an active firefighter. Fixed APY. Annual term October 1 to September 30. Early withdrawal penalty applies | 1.76% | $176 |
| 12 monthsLifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Fixed APY. Annual term October 1 to September 30. Early withdrawal penalty applies | 1.51% | $151 |
| 12 monthsStandard Level: All members, unless qualified for other levels. Fixed APY. Annual term October 1 to September 30. Early withdrawal penalty applies | 1.01% | $101 |
Sources (2)
All captured Sep 16, 2026
Kidz Club Savings
0.15%APY
Must meet age requirement to earn. Minimum to open and earn is $25. Level Qualifications: All accounts qualified at month end. Standard Level: All members, unless qualified for other levels. Lifeline Level: Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card). Fire Level: Primary member is an active firefighter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upStandard Level: All members, unless qualified for other levels. Must meet age requirement to earn.$25 and up | 0.15% | $15 | Standard Level: All members, unless qualified for other levels. Must meet age requirement to earn. |
Sources (1)
- hfdfcu.org/deposits/information/savings-rates · captured Sep 16, 2026
Who can join Honolulu Fire Department Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active or retired members of the Hawaii Fire Fighters Association (HFFA), Local No. 1463 are eligible to join.
- Members of The Friends of Iolani Palace are eligible to join.
- Members of the United Union of Roofers, Waterproofers & Allied Workers, Local 221 are eligible to join.
Military, government and schools
- Active or retired members of the Federal Fire Fighters of Hawaii (FFD), Local F-263 are eligible to join.
- Active or retired Honolulu Fire Department employees are eligible to join.
- Active or retired Honolulu Fire Department firefighters are eligible to join.
5 more ways to join
Military, government and schools
- Employees of and students attending Ho’omau Fire Academy are eligible to join.
Family and household
- Immediate family members (current spouse, children and grandchildren, parents and grandparents, siblings) of any individual eligible through the 7 qualifying affiliations are eligible to join.
- Immediate family members (current spouse, children and grandchildren, parents and grandparents, siblings) of any current HFDFCU member are eligible to join.
- Household members living in the same residential household as any individual eligible through the 7 qualifying affiliations are eligible to join.
- Household members living in the same residential household as any current HFDFCU member are eligible to join.
Membership information collected October 4, 2026.