Credit union · NCUA insured
Lōkahi Federal Credit Union Savings Rates
Lōkahi Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Secure+ Money Market Account. Rates checked October 22, 2026.
How Lōkahi Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Lōkahi Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lōkahi Federal Credit Union
0.30%APY
- Minimum
- —
- Earns on $10,000 a year
- $30
Secure+ Money Market Account
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
Lōkahi Federal Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 Lōkahi 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.
Secure+ Money Market Account
0.30%APY
Lokahi FCU membership is required. Accounts can be opened in-branch or by phone. Maximum deposit balance is $15,000,000 without prior accommodation. Extended share insurance is powered through ModernFi network.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250,000 | 0.30% | $30 |
| $250,000 – $500,000 | 1.50% | — |
| $500,000 – $1,000,000 | 2.00% | — |
| $1,000,000 and up | 2.50% | — |
Sources (2)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates
- lokahifcu.com/spend-and-save/s…lus-money-market-account
All captured Sep 16, 2026
Money Market Account
0.10%APY
Lokahi FCU membership is required. Earn dividends with a $5,000 minimum daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.00% | — |
| $5,000 – $15,000 | 0.10% | $10 |
| $15,000 – $25,000 | 0.15% | — |
| $25,000 – $50,000 | 0.20% | — |
Sources (2)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates
- lokahifcu.com/spend-and-save/s…ngs/money-market-account
All captured Sep 16, 2026
Regular Savings
0.10%APY
Lokahi FCU membership required. Minimum opening deposit $5. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance of $5 required.$5 and up | 0.10% | $10 | Minimum daily balance of $5 required. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.20%APY
Lokahi FCU membership is required. APYs may change after accounts are opened and are subject to change without notice. Traditional, Roth, and Coverdell Education Savings Account (ESA) options available.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000First Tier. No minimum balance required. No monthly service fees. | 0.15% | — | First Tier. No minimum balance required. No monthly service fees. |
| $5,000 – $25,000Second Tier. No minimum balance required. No monthly service fees. | 0.20% | $20 | Second Tier. No minimum balance required. No monthly service fees. |
| $25,000 and upThird Tier. No minimum balance required. No monthly service fees. | 0.25% | — | Third Tier. No minimum balance required. No monthly service fees. |
Sources (2)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates
- lokahifcu.com/spend-and-save/s…idual-retirement-account
All captured Sep 16, 2026
Christmas Savings Account
0.10%APY
No minimum balance required. No monthly service fees. Automatic transfer of full balance to Savings or Checking Account on October 31 each year. Lokahi FCU membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum daily balance required.Any balance | 0.10% | $10 | No minimum daily balance required. |
Sources (2)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates
- lokahifcu.com/spend-and-save/savings/christmas-savings
All captured Sep 16, 2026
Keiki Savings
0.10%APY
Lokahi FCU membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum daily balance of $5 required.$5 and up | 0.10% | $10 | Minimum daily balance of $5 required. |
Sources (1)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates · captured Sep 16, 2026
Who can join Lōkahi 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
- Anyone who lives, works, worships, or attends school in the City and County of Honolulu (Island of Oahu), Hawaii is eligible for membership.
Employers and groups
- Employees of Lōkahi FCU are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- Spouses of persons who died while within the field of membership of Lōkahi FCU are eligible for membership.
Membership information collected October 4, 2026.