Compare Bank & Credit Union Rates
Best savings rates in Hawaii
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Hawaii
- CU Hawaii Federal Credit UnionKasasa SaverSavings · $0 min · 0.05%–5.00% by balance
Credit union · 10 branches
5.00%APY$500 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit of one account per social security number. No monthly maintenance fee or minimum opening deposit.
Offer: Non-qualifying rate applied to entire balance if linked Kasasa checking qualifications are not met during the Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $50,000Your amountQualifying rate when linked Kasasa checking account meets qualifications: at least 10 debit card purchases post/settle, enrolled in and receive e-Statements, and at least one direct deposit, ACH credit, or ACH payment transaction during the Monthly Qualification Cycle. 5.00% Over $50,000dividend rate of 0.249% (or 0.25% in product disclosures) resulting in a blended range from 0.250% to 5.00% APY depending on the balance. 0.25%* Rate checked
More details - Valley Isle Community Federal Credit UnionKO Rewards SavingsSavings · $5 min
Credit union · 3 branches
5.00%APY$500 a year on $10,000with conditionsRequirements
Product: Works alongside KO Rewards Checking to receive monthly dividend transfers and round-up transfers. Requires valid ID and SSN, $5.00 checking and $5.00 savings opening deposit, 10 signature-based debit card purchases, at least 2 of Direct Deposit / ACH Credit / ACH Debit, and enrollment in e-Statements.
Offer: Requires opening a KO Rewards account package with $5.00 checking and $5.00 savings deposit, 10 signature debit transactions, 2 ACH/direct deposit items, and e-Statements.
Qualified rate · 5.00% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: 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.
Offer: Qualified: paired Nalu Checking meets minimum qualifications.
Qualified rate · 3.93% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Ānuenue Savings Balance APY Up to $20,000Your amount 4.00% $20,000 and upQualified: deposits over $20,000 earn standard rate. 0.10% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Available to State of Hawaii residents and businesses only. Opening deposit must be drawn on a check from a financial institution other than Finance Factors. No checking account required. Account must be opened at a branch.
Offer: Earns 0.10% for each day balance is below $100. $5 monthly service fee charged for each month account is below minimum balance at any time.
0.10% interest rate · $5 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $100 0.10%* $100 – $50,000Your amount 2.00% $50,000 – $100,000Must maintain minimum daily balance of $100 to obtain disclosed APY. Balances below $100 earn 0.10% each day below minimum. $5 monthly service fee charged for each month account is below minimum balance at any time (fee waived if minimum daily balance of $100 is maintained). 2.50% $100,000 and upMust maintain minimum daily balance of $100 to obtain disclosed APY. Balances below $100 earn 0.10% each day below minimum. $5 monthly service fee charged for each month account is below minimum balance at any time (fee waived if minimum daily balance of $100 is maintained). 3.00% Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Available to Hawaii residents only; not available to businesses. Must open account online. Opening deposit must be electronically transferred/drawn from a financial institution other than Finance Factors. Maximum opening deposit is $10,000. Limit of 6 electronic or preauthorized transfers/withdrawals per calendar month.
Offer: Earns 0.10% APY for each day balance is below $100 minimum. $15 monthly service fee charged for each month account is below minimum balance at any time.
$15 monthly fee · Effective Dec 8, 2025
Rate by balance
Rate by balance for eSavings Balance APY Up to $100 0.10% $100 and upYour amount 2.00% Rate checked
More details - 2.00%APY$200 a year on $10,000intro rate
Requirements
Product: Membership is open to individuals who live, regularly work, attend school, worship, or volunteer in the communities of Eleele or Hanapepe, or who are immediate family or household members of an existing member.
Offer: Declared dividend rate for 2nd Quarter 2026.
Promotional rate
Rate checked
More details - Hawaii County Employees FCUMoney Market Share AccountMoney Market Share Account · $2,500 min
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Effective as of 2025-01-01. Monthly compounding. Average Daily Balance method. Minimum opening deposit and minimum balance to earn stated APY is $2,500.00. Account transfer limitations apply.
2.00% interest rate · Effective Jan 1, 2025
Rate checked
More details - Gather Federal Credit UnionKasasa SaverSavings · $25 min · 0.10%–2.00% by balance
Credit union · 7 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Must meet Kasasa Cash monthly qualifications to earn higher rates: at least 12 check card purchases post and settle, at least 1 bill pay or automatic ACH transaction post and settle, and enrolled in eStatements.
Offer: Qualifying rate for balances up to $40,000 when monthly qualification cycle requirements are met.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Jan 2, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $40,000Your amount 2.00% Over $40,000 0.10%* Rate checked
More details - HawaiiUSA FCUPremium Money Market AccountPremium Money Market Account · $10,000 min · 0.05%–2.85% by balance
Credit union · 15 branches
1.35%APY$135 a year on $10,000Requirements
Product: Minimum opening balance is $10,000. Dividend rate reverts to the Savings ('Prime Share') rate if $10,000 daily average balance is not maintained. Monthly service charge of $10.00 is assessed if average daily balance is less than $10,000.00.
Offer: Rate applies to balance <$10,000.00 with minimum average daily balance to earn APY of $100.00. Monthly service charge of $10.00 assessed if average daily balance is less than $10,000.00.
$10 monthly fee · Effective Oct 20, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY $100 – $10,000 0.05% $10,000 – $25,000Your amount 1.35% $25,000 – $50,000 1.35% $50,000 – $75,000 1.35% $75,000 – $100,000 1.60% $100,000 – $250,000 1.85% $250,000 – $500,000 1.85% $500,000 – $1,000,000 2.35% $1,000,000 and up 2.85% Rate checked
More details - Hawaii Community Federal Credit UnionMoney Manager SavingsSavings · $5,000 min · 1.00%–1.26% by balance
Credit union · 9 branches
1.16%APY$116 a year on $10,000Requirements
Product: A minimum opening deposit of $5,000 is required. If average daily balance is less than $5,000, a monthly service fee of $20.00 applies.
Offer: Tier 1. $20.00 monthly service fee if average daily balance is less than $5,000.00.
1.00% interest rate · $20 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Manager Savings Balance APY Up to $5,000 1.00% $5,000 – $10,000Tier 2. 1.06% $10,000 – $25,000Your amountTier 3. Fee of $20.00 applies if average daily balance falls below $5,000.00. 1.16% $25,000 and upTier 4. Fee of $20.00 applies if average daily balance falls below $5,000.00. 1.26% Rate checked
More details - 1.15%APY$115 a year on $10,000
Requirements
Product: 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.
Offer: Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier.
1.14% interest rate · Effective Sep 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.15% $25,000 – $50,000 1.30% $50,001 – $100,000 1.50% $100,001 and up 1.65% Rate checked
More details - HFS Federal Credit UnionMoney ManagerMoney Manager · $0 min · 0.00%–1.11% by balance
Credit union · 6 branches
1.11%APY$111 a year on $10,000Requirements
Product: Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account. Minimum withdrawal amount is $250.00. Limit of 6 transfers/withdrawals per month.
Offer: Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. If the balance does not meet $2,500.00 for any day during the month, the account earns the dividend rate of a Share Draft Account.
0.00% interest rate
Rate by balance
Rate by balance for Money Manager Balance APY Up to $2,500 0.00% $2,500 – $100,000Your amount 1.11% $100,000 – $250,000A minimum daily balance of $2,500.00 is required to obtain the stated APY. 1.11% $250,000 and upA minimum daily balance of $2,500.00 is required to obtain the stated APY. 1.11% Rate checked
More details - CU Hawaii Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.00%–1.50% by balance
Credit union · 10 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered rate account. Dividends compounded and credited quarterly. $2,500.00 minimum opening balance. $2,500.00 minimum balance to earn interest. Maximum of 6 withdrawals/transfers per calendar month; excessive withdrawal fee of $20.00 applies after 3 withdrawals or transfers per calendar month.
Offer: $2,500.00 minimum balance to earn interest.
1.00% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 1.00% $25,000 – $50,000 1.15% $50,000 – $100,000 1.25% $100,000 – $500,000 1.35% $500,000 and up 1.50% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Hawaii
129 accounts at 50 banks and credit unions · checked Oct 22
- Typical
- 0.10%
- Top 10% from
- 1.12%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.10%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Hawaii
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- Maui County Federal Credit UnionCredit union · 2 branches
- Hawaii Community Federal Credit UnionCredit union · 9 branches