Credit union · NCUA insured
UHFCU Savings Rates
Top CarrotUHFCU’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How UHFCU’s savings rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where UHFCU has the most branches. $10,000, best rate first.
This credit union’s best
UHFCU
1.00%APY
- Minimum
- $500
- Earns on $10,000 a year
- $100
Warrior 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
UHFCU savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 UHFCU 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.
Stack Up Savings
Up to 2.00%APY
$50,000 minimum balance to open. No maximum balance. No monthly or yearly service charges. No withdrawal limits.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 – $99,999Dividends compounded and credited monthly. Requirements apply to daily balance. | 1.25% | — | Dividends compounded and credited monthly. Requirements apply to daily balance. |
| $100,000 – $249,999Dividends compounded and credited monthly. Requirements apply to daily balance. | 1.50% | — | Dividends compounded and credited monthly. Requirements apply to daily balance. |
| $250,000 – $499,999Dividends compounded and credited monthly. Requirements apply to daily balance. | 1.75% | — | Dividends compounded and credited monthly. Requirements apply to daily balance. |
| $500,000 and upDividends compounded and credited monthly. Requirements apply to daily balance. | 2.00% | — | Dividends compounded and credited monthly. Requirements apply to daily balance. |
Sources (1)
- uhfcu.com/stack-up-savings · captured Sep 16, 2026
Warrior Savings
1.00%APY
High-yield savings account. $500 minimum balance to open. No monthly or yearly service charges. Withdrawals can only be made in person, by phone, through secure message, or Online & Mobile Banking (not available via ACH or Shared Branch).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Tier 1 rate applied to daily balances up to $50,000. Dividends compounded and credited monthly. | 1.00% | $100 | Tier 1 rate applied to daily balances up to $50,000. Dividends compounded and credited monthly. |
| Over $50,000Applies to the portion of balances over $50,000. Dividends compounded and credited monthly. | 0.07% | — | Applies to the portion of balances over $50,000. Dividends compounded and credited monthly. |
Sources (1)
- uhfcu.com/warrior-savings · captured Sep 16, 2026
Money Market
0.15%APY
Dividends are credited and compounded monthly. Minimum balance requirements apply to daily balance. Rates are determined by the Board of Directors and subject to change without prior notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Minimum daily balance to earn dividends is $0 - $9,999. Dividends credited and compounded monthly. | 0.10% | — | Minimum daily balance to earn dividends is $0 - $9,999. Dividends credited and compounded monthly. |
| $10,000 – $24,999Minimum daily balance to earn dividends is $10,000 - $24,999. Dividends credited and compounded monthly. | 0.15% | $15 | Minimum daily balance to earn dividends is $10,000 - $24,999. Dividends credited and compounded monthly. |
| $25,000 – $99,999Minimum daily balance to earn dividends is $25,000 - $99,999. Dividends credited and compounded monthly. | 0.30% | — | Minimum daily balance to earn dividends is $25,000 - $99,999. Dividends credited and compounded monthly. |
| $100,000 – $199,999Minimum daily balance to earn dividends is $100,000 - $199,999. Dividends credited and compounded monthly. | 0.50% | — | Minimum daily balance to earn dividends is $100,000 - $199,999. Dividends credited and compounded monthly. |
| $200,000 and upMinimum daily balance to earn dividends is $200,000 and more. Dividends credited and compounded monthly. | 0.50% | — | Minimum daily balance to earn dividends is $200,000 and more. Dividends credited and compounded monthly. |
Sources (1)
- uhfcu.com/money-market · captured Oct 22, 2026
Savings
0.07%APY
Establishes membership at UHFCU. $5 held deposit to open. No minimum balance fee. No monthly or yearly service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are credited and compounded monthly. Minimum balance requirements apply to daily balance.$100 and up | 0.07% | $7 | Dividends are credited and compounded monthly. Minimum balance requirements apply to daily balance. |
Special Savings
0.07%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends credited and compounded monthly.Any balance | 0.07% | $7 | Dividends credited and compounded monthly. |
Sources (1)
- uhfcu.com/current-rates · captured Sep 16, 2026
Special-purpose accounts
Christmas Club
0.40%APY
Entire balance minus required opening deposit is transferred to Savings account on or after November 1st. Balances exceeding $5,000 revert to regular Savings rate. Early closure forfeits accrued uncredited dividends (unless closed within 7 days of opening).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Balances exceeding $5,000 revert to Savings Account dividend rate. Dividends compounded and credited monthly.Up to $5,000 | 0.40% | — | Balances exceeding $5,000 revert to Savings Account dividend rate. Dividends compounded and credited monthly. |
Sources (1)
- uhfcu.com/current-rates · captured Sep 16, 2026
IRA Savings
0.30%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings Account. No minimum balance. No monthly fees. Contributions may be made in lump sums or regular deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are credited and compounded monthly. Minimum balance requirements apply to daily balance.Any balance | 0.30% | $30 | Dividends are credited and compounded monthly. Minimum balance requirements apply to daily balance. |
Sources (1)
- uhfcu.com/certificates/traditional-ira · captured Sep 16, 2026
Who can join UHFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.