Credit union · NCUA insured
Ko’olau FCU Savings Rates
Ko’olau FCU’s best savings rate is 1.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Ko’olau FCU’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Ko’olau FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ko’olau FCU
1.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $115
Money Market
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
Ko’olau FCU savings score
85
Savings score
Higher than 70% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.15%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.15%
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 Ko’olau FCU 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 Market
1.15%APY
Membership is open to anyone who lives, works, worships, or attends school in Honolulu County (the island of Oahu). Checking and Money Market accounts are Tiered Rate Accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. Dividends compounded and credited monthly. Average Daily Balance method used to calculate dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. | 1.15% | $115 | Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. |
| $25,000 – $50,000Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. | 1.30% | — | Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. |
| $50,001 – $100,000Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. | 1.50% | — | Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. |
| $100,001 and upDividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. | 1.65% | — | Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier. |
Regular Share Account (Savings)
0.05%APY
Membership required ($5.00 deposit purchases one share). Dividends compounded and credited quarterly based on the Average Daily Balance method. Minimum balance of $100.00 required to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded & credited quarterly; dividend period quarterly; calculated using Average Daily Balance method.$100 and up | 0.05% | $5 | Dividends compounded & credited quarterly; dividend period quarterly; calculated using Average Daily Balance method. |
Special-purpose accounts
IRA Shares (IRA Savings)
0.15%APY
Traditional, Roth, or Education IRA share savings account. Tax-advantaged retirement and education savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded & credited quarterly; dividend period quarterly.$100 and up | 0.15% | $15 | Dividends compounded & credited quarterly; dividend period quarterly. |
Christmas Savings
0.05%APY
Set up as a separate sub-account apart from regular savings account. Entire balance will be transferred to another account on or after October 1 and the account will remain open. Transactions restricted.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded & credited quarterly; dividend period quarterly. Entire balance transferred to another account on or after October 1.$100 and up | 0.05% | $5 | Dividends compounded & credited quarterly; dividend period quarterly. Entire balance transferred to another account on or after October 1. |
Kids Account (Kids Club)
0.05%APY
For children ages 0-12 years. Earn points on deposits to redeem for prizes. No monthly fees. $25.00 deposit purchases one share and establishes membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded & credited quarterly; dividend period quarterly.$100 and up | 0.05% | $5 | Dividends compounded & credited quarterly; dividend period quarterly. |
Vacation Savings
0.05%APY
Set up as a separate sub-account apart from regular savings account for vacation or special occasion budgeting. Transactions restricted.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded & credited quarterly; dividend period quarterly.$100 and up | 0.05% | $5 | Dividends compounded & credited quarterly; dividend period quarterly. |
Club Share Account (Club Savings)
0.00%APY
Account for informal groups, units, businesses, or clubs. $5.00 deposit purchases one share and earns membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded & credited quarterly; dividend period quarterly.Any balance | 0.00% | $0 | Dividends compounded & credited quarterly; dividend period quarterly. |
Sources (4)
- koolaufcu.org/rates-tables
- koolaufcu.org/savings-account
- koolaufcu.org/savings-accounts
- koolaufcu.org/savings-rates
All captured Sep 16, 2026
Who can join Ko’olau FCU
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 anyone who lives, works, worships or attends school in Honolulu County (the island of Oahu).
Military, government and schools
- All personnel of Marine Corps Base Hawaii, military, civilians, and their household members are eligible to join.
Family and household
- Membership is available to immediate family members of eligible members, regardless of where they live.
Membership information collected October 4, 2026.