Compare Bank & Credit Union Rates
Best savings rates in Kahului, 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 Kahului, HI
- 5.00%APY$500 a year on $10,000with conditions
Requirements
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 - 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 - 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 · 1 branch
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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be at least 18 years old to open an individual account. Minimum average daily balance of $100.00 required to avoid a $1.00 monthly service fee.
Offer: $1.00 monthly fee applies if average daily balance is below $100.00; no charge if $100.00 or higher. Minimum average daily balance required to obtain APY.
0.10% interest rate · $1 monthly fee · Effective Sep 21, 2026
Rate checked
More details - 0.07%APY$7 a year on $10,000
Requirements
Product: Special/Sub-Share Account to save for a specific purpose separate from regular savings. Requires $50.00 minimum average daily balance to earn stated APY as per Truth-in-Savings Disclosure.
Offer: No minimum balance to open (per current table), but requires average daily balance to earn APY.
0.07% interest rate · Effective Oct 7, 2026
Rate checked
More details - 0.07%APY$7 a year on $10,000
Requirements
Product: Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Minimum average daily balance of $50.00 required to avoid a service fee and earn stated APY. Initial deposit buys a share in the credit union.
Offer: Requires $50.00 minimum balance / minimum average daily balance to earn stated APY and avoid service fee.
0.07% interest rate · Effective Oct 7, 2026
Rate checked
More details - Wailuku Federal Credit UnionHigh-Yield Tiered Savings AccountSavings · 0.07%–2.00% by balance
Credit union · 1 branch
0.07%APY$7 a year on $10,000Requirements
Product: Tiered-rate savings account. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Rate determined by average daily balance for the month and applies to the full account balance. Must have a Regular Share Account to open.
Offer: Tier applies to balances less than $50,000.00. Applies to full account balance.
0.07% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for High-Yield Tiered Savings Account Balance APY Up to $50,000Your amount 0.07% $50,000 – $100,000 1.50% $100,000 – $250,000 2.00% $250,000 and up 2.00% Rate checked
More details - 0.07%APY$7 a year on $10,000
Requirements
Product: Available to personal banking customers. $3 monthly fee waived with a $200 minimum daily balance. A paper statement fee of $2 per printed account statement applies monthly unless enrolled in free eStatements.
Offer: Minimum daily balance of $100 to earn interest. $3 monthly fee waived with $200 minimum daily balance. $2 monthly paper statement fee unless enrolled in eStatements.
0.07% interest rate · $3 monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Basic membership account opened when joining Hawaii State FCU. Credit Union membership and Hawaii residency required for new accounts.
Offer: No minimum daily balance required to earn APY.
No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Available to Hawaii residents only; Credit Union membership required. $5 monthly service charge applies if the account's average daily balance falls below $500 for the month, waived for the first 60 days on new accounts. Each member may open one Always Saving account per SSN.
Offer: Base rate applied if balance does not increase month over month.
$5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Hawaii State FCURelationship MAX™ ShareSavings · $2,500 min · 0.05%–2.00% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Requires a Relationship Checking account ($2,500 minimum to open). Monthly service fee is $0. Available to Hawaii residents only; Credit Union membership required.
Offer: APY applies to the entire account balance each day. No minimum daily balance to earn APY.
Qualified rate · No monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Relationship MAX™ Share Balance APY Up to $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000 1.00% $100,000 – $250,000 2.00% $250,000 – $500,000 2.00% $500,000 and up 2.00% Rate checked
More details - Aloha Pacific Federal Credit UnionAloha Rewards Money Market SavingsAloha Rewards Money Market Savings · 0.05%–3.50% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Credit union membership is required. Aloha Rewards Checking Account is required. Monthly requirements must be met to receive applicable rewards: Twelve (12) debit card transactions; be enrolled in electronic statements (eStatements); receive or send at least one (1) direct deposit or ACH transaction; log in to digital banking at least once two days before the end of the month. If Aloha Rewards Checking monthly requirements are met, tiered rates apply based on your monthly average daily balance. The rate corresponding to your balance tier applies to your entire average daily balance.
Offer: If Monthly Requirements Are Not Met. Aloha Rewards Checking Account Required.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Aloha Rewards Money Market Savings Balance APY Any balance 0.05% $5,000 – $10,000Your amountMonthly requirements must be met. 0.05% $10,000 – $20,000Monthly requirements must be met. 0.50% $20,000 – $50,000Monthly requirements must be met. 1.50% $50,000 – $100,000Monthly requirements must be met. 2.00% $100,000 – $250,000Monthly requirements must be met. 2.50% Over $250,000Monthly requirements must be met. 3.50% 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 Kahului, HI
38 accounts at 14 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 0.43%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.05%
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Kahului, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Maui County Federal Credit UnionCredit union · 2 branches
- Finance FactorsBank · 1 branch
- Wailuku Federal Credit UnionCredit union · 1 branch