Credit union · NCUA insured
Kaua'i Federal Credit Union Savings Rates
Kaua'i Federal Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Kaua'i Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kapaa, HI, where Kaua'i Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kaua'i Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $400
Ānuenue Savings
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
3rd-highest rate
McBryde FCU
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Kaua'i Federal Credit Union savings score
80
Savings score
Higher than 53% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.30%
- QualifiedQualified4.00%
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 Kaua'i 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.
Ānuenue Savings
Up to 4.00%APY
Paired with Nalu Checking account. Balances up to $20,000 earn reward rate during months in which paired Nalu Checking meets minimum qualifications. Deposits over $20,000 or when minimum qualifications are not met earn interest at the standard rate. Round-up debit card purchases available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Qualified: paired Nalu Checking meets minimum qualifications. | 4.00% | $400 | Qualified: paired Nalu Checking meets minimum qualifications. |
| Any balanceUnqualified: entire balance earns standard rate when paired Nalu Checking does not meet minimum qualifications. | 0.10% | $10 | Unqualified: entire balance earns standard rate when paired Nalu Checking does not meet minimum qualifications. |
| $20,000 and upQualified: deposits over $20,000 earn standard rate. | 0.10% | — | Qualified: deposits over $20,000 earn standard rate. |
Sources (2)
All captured Sep 16, 2026
Money Market
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.20% | $20 |
| $10,000 – $25,000 | 0.20% | $20 |
| $25,000 – $50,000 | 0.25% | — |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 – $200,000 | 0.30% | — |
| $200,000 and up | 0.40% | — |
Sources (1)
- kauaicreditunion.org/rates · captured Sep 16, 2026
Personal Savings
0.10%APY
Minimum $5 deposit to open. Also listed on rate schedule as Regular and Secondary Savings. Fees could reduce earnings on the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Bal. under $5K | 0.10% | — | Bal. under $5K |
| $5,000 – $20,000$5K – under $20K | 0.10% | $10 | $5K – under $20K |
| $20,000 – $50,000$20K – under $50K | 0.10% | — | $20K – under $50K |
| $50,000 – $200,000$50K – under $200K | 0.20% | — | $50K – under $200K |
| $200,000 and up$200K & over | 0.30% | — | $200K & over |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Savings
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- kauaicreditunion.org/rates · captured Sep 16, 2026
Christmas Club
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- kauaicreditunion.org/rates · captured Sep 16, 2026
Pueo Account
0.10%APY
Available for members ages 0–17. Requires a joint adult account holder, age 18 or older. Receive a Kala With Me activity sheet.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMaintain a $100.00 minimum balance to earn advertised APY. Rate accurate as of last dividend declaration date and may change after account opening.$100 and up | 0.10% | $10 | Maintain a $100.00 minimum balance to earn advertised APY. Rate accurate as of last dividend declaration date and may change after account opening. |
Sources (1)
- kauaicreditunion.org/personal-checking-and-savings · captured Sep 16, 2026
Youth Account
0.10%APY
Available for members ages 10–17. Includes access to a debit card. Requires a joint adult account holder age 18 or older.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMaintain a $100.00 minimum balance to earn advertised APY. Rate accurate as of last dividend declaration date and may change after account opening.$100 and up | 0.10% | $10 | Maintain a $100.00 minimum balance to earn advertised APY. Rate accurate as of last dividend declaration date and may change after account opening. |
Sources (1)
- kauaicreditunion.org/personal-checking-and-savings · captured Sep 16, 2026
Who can join Kaua'i Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.