Credit union · NCUA insured
Kauai Ohana Federal Credit Union Savings Rates
Kauai Ohana Federal Credit Union’s best savings rate is 0.02% APY on $10,000, with its Regular Shares. Rates checked October 22, 2026.
How Kauai Ohana Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kapaa, HI, where Kauai Ohana Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Kauai Ohana Federal Credit Union
0.02%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $2
Regular Shares
Top rate
Kaua'i Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
Kauai Ohana Federal Credit Union savings score
60
Savings score
Higher than 1% of U.S. banks and credit unions
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0000.02%
- $100,000 balance$100,0000.02%
- QualifiedQualified0.02%
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 Kauai Ohana 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.
Regular Shares
0.02%APY
Requires a $1.00 one-time membership fee. Dividends deposited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarn monthly dividends with an average daily balance of at least $100.00.$100 and up | 0.02% | $2 | Earn monthly dividends with an average daily balance of at least $100.00. |
Sources (1)
- kauaiohanafcu.org/accounts · captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.50%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upEarn monthly dividends with a minimum balance of $5.00.$5 and up | 0.50% | $50 | Earn monthly dividends with a minimum balance of $5.00. |
Sources (1)
- kauaiohanafcu.org/accounts · captured Sep 16, 2026
Christmas Club
0.05%APY
Matures on October 1st, giving immediate access to funds.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (1)
- kauaiohanafcu.org/accounts · captured Sep 16, 2026
Who can join Kauai Ohana 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
- Persons who live, worship, work or attend school in, and businesses and other legal entities located in Kauai County, Hawaii are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership, employees of the credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons are eligible for membership.
Other ways
- Members of record of the Kauai Teachers Federal Credit Union as of July 25, 2024 are eligible for membership.
Cost to join
- A minimum share deposit of $5.00 is required upon joining.
- A one-time membership fee of $1.00 is required upon joining.
Membership information collected October 4, 2026.