Compare Bank & Credit Union Rates
Best savings rates in Honolulu, HI
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Honolulu, HI
- 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 - HawaiiUSA FCUPremium Money Market AccountPremium Money Market Account · $10,000 min · 0.05%–2.85% by balance
Credit union · 4 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: 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).
Offer: Tier 1 rate applied to daily balances up to $50,000. Dividends compounded and credited monthly.
No monthly fee · Effective Sep 1, 2022
Rate by balance
Rate by balance for Warrior Savings Balance APY Up to $50,000Your amount 1.00% Over $50,000 0.07% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Requires a Personal Priority Banking Gold or Platinum Checking Account. Minimum opening deposit of $10,000 must be deposited directly within 5 calendar days of opening from another financial institution (check, external transfer, or wire transfer; transfers from another FHB account do not qualify). Monthly service charge of $5 is waived if you maintain a minimum daily balance of $500 or if you qualify for the Bonus Interest Rate for the monthly cycle (by depositing at least $25 per month). $50 account closing fee applies if closed within 180 days of opening.
Offer: Combined APY (Base + Bonus) for balances less than $25,000.00 when qualifying with at least $25 deposited per monthly cycle. Rate may change after account opening.
Qualified rate · $5 monthly fee · Effective Sep 3, 2026
Rate by balance
Rate by balance for YesSavings Balance APY Up to $25,000Your amount 0.50% $25,000 – $100,000 1.00% $100,000 – $250,000 2.15% $250,000 – $1,000,000 2.25% $1,000,000 and up 2.35% Rate checked
More details - 0.40%APY$40 a year on $10,000with conditions
Requirements
Product: Requires a Personal Priority Banking Gold or Platinum Checking Account. Minimum opening deposit of $10,000 must be deposited directly within 5 calendar days of opening from another financial institution (check, external transfer, or wire transfer; transfers from another FHB account do not qualify). Monthly service charge of $5 is waived if you maintain a minimum daily balance of $500 or if you qualify for the Bonus Interest Rate for the monthly cycle (by depositing at least $25 per month). $50 account closing fee applies if closed within 180 days of opening.
Offer: Base APY for balances less than $25,000.00 when monthly deposit of $25 is not met. Rate may change after account opening.
Qualified rate · $5 monthly fee · Effective Sep 3, 2026
Rate by balance
Rate by balance for YesSavings Balance APY Up to $25,000Your amount 0.40% $25,000 – $100,000 0.40% $100,000 – $250,000 1.00% $250,000 – $1,000,000 1.00% $1,000,000 and up 1.00% Rate checked
More details - Hawaiian Financial Federal Credit UnionVIP Money MarketVIP Money Market · $5 min · 0.10%–1.50% by balance
Credit union · 6 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must be at least 18 years old to open an individual account. Tiered rate account; once a particular balance range is met, the Dividend Rate and APY for that balance range apply to the entire balance. A minimum average daily balance of $500.00 is required to avoid a $1.00/month share maintenance fee. A minimum daily balance is required to obtain the APY.
Offer: Average daily balance of $500.00 or higher waives the $1.00 monthly fee. Minimum daily balance required to obtain APY.
0.10% interest rate · $1 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for VIP Money Market Balance APY Up to $5,000 0.10% $5,000 – $50,000Your amount 0.35% $50,000 – $100,000 1.00% $100,000 and up 1.50% Rate checked
More details - Hawaii Law Enforcement Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.35%–1.55% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Rates vary based on deposit amount. Dividend period is one calendar month; dividends are declared and posted on the last day of each month. A minimum average daily balance of $2,500.00 is required to qualify for dividends. Fees may reduce earnings. Terms and conditions are subject to change after the account is opened.
Offer: Requires a minimum average daily balance of $2,500.00 to qualify for dividends.
Effective Sep 3, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $50,000Your amount 0.35% $50,000 – $100,000 0.50% $100,000 and up 1.55% Rate checked
More details - ILWU Credit UnionSafe Harbor Money Market AccountSafe Harbor Money Market Account · $2,500 min · 0.10%–0.65% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Tiered dividend rates based on balance. No early withdrawal penalty; free withdrawals.
Offer: Safe Harbor - Tier One
No monthly fee · Effective May 1, 2023
Rate by balance
Rate by balance for Safe Harbor Money Market Account Balance APY $1,000 and up 0.10% $5,000 and upYour amountSafe Harbor - Tier Two 0.35% $25,000 and upSafe Harbor - Tier Three 0.40% $50,000 and upSafe Harbor - Tier Four 0.45% $100,000 and upSafe Harbor - Tier Five 0.55% $250,000 and upSafe Harbor - Tier Six 0.65% Rate checked
More details - Lōkahi Federal Credit UnionSecure+ Money Market AccountSecure+ Money Market Account · $0 min · 0.30%–2.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: 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.
Effective Aug 3, 2026
Rate by balance
Rate by balance for Secure+ Money Market Account Balance APY Up to $250,000Your amount 0.30% $250,000 – $500,000 1.50% $500,000 – $1,000,000 2.00% $1,000,000 and up 2.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Tiered rate account; once a particular balance range is met, the rate applies to the full balance. Membership required ($5.00 share). Zero monthly service fees. Account transfer and withdrawal limitations apply (max 6 transfers/withdrawals per month). Max balance $250,000.
Offer: Rate applies to the full balance. Dividends compounded and credited monthly based on daily balance.
0.10% interest rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Jumbo Savings Balance APY Up to $2,500 0.10% $2,500 and upYour amount 0.20% Rate checked
More details - Honolulu Federal Credit Union (HOCU)Shares PlusSavings · $2,000 min · 0.08%–0.37% by balance
Credit union · 4 branches
0.17%APY$17 a year on $10,000Requirements
Product: $2,000 minimum opening balance. Step up your savings with higher dividends on higher balances with a bonus rate for account holders over the age of 55.
Offer: 0.08% APY for below $2,000.
Rate by balance
Rate by balance for Shares Plus Balance APY Up to $2,000 0.08% $2,000 – $5,000 0.12% $5,000 – $50,000Your amount 0.17% $50,000 – $500,000 0.22% $500,000 and up 0.37% 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 Honolulu, HI
73 accounts at 25 banks and credit unions · checked Oct 16–22
- Typical
- 0.08%
- Top 10% from
- 0.39%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.10%
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Urban Honolulu, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- Finance FactorsBank · 9 branches
- Navy Federal Credit UnionCredit union · 5 branches