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 16–30 results in Hawaii
- 1.00%APY$100 a year on $10,000
Requirements
Product: Must be an Active-Duty Military Servicemember at the time of account opening. Direct Deposit must be established. Must open a Savings Account first to establish membership. Must maintain a minimum balance of $100 to earn interest.
Offer: Available to Active-Duty Military Servicemembers. Requires Direct Deposit and prior opening of a regular Savings Account. Must maintain a minimum balance of $100 to earn interest.
Effective Sep 30, 2026
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 - 0.75%APY$75 a year on $10,000
Requirements
Product: Variable rate. Share account excessive withdrawals fee of $2.00 per withdrawal if more than three (3) withdrawals in a calendar month.
Offer: Required minimum share balance to earn stated APY is $100. Variable rate.
Effective Sep 30, 2019
Rate checked
More details - OE Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.60%–0.80% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Start saving with $1,000 minimum opening deposit. Dividends compound monthly. Up to 6 free withdrawals or transfers per month ($15 fee per transaction thereafter).
Offer: Minimum to earn dividend: $1,000. Compounding period: Monthly.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 and up 0.60% $10,000 and upYour amountMinimum to earn dividend: $10,000. 0.65% $25,000 and upMinimum to earn dividend: $25,000. 0.65% $50,000 and upMinimum to earn dividend: $50,000. 0.70% $100,000 and upMinimum to earn dividend: $100,000. 0.75% $250,000 and upMinimum to earn dividend: $250,000. 0.80% Rate checked
More details - Garden Island FCUMoney Market AccountMoney Market Account · $5,000 min · 0.60%–1.41% by balance
Credit union · 2 branches
0.60%APY$60 a year on $10,0000.60% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $50,000Your amount 0.60% $50,000 – $100,000 1.00% Over $100,000 1.41% 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 - 0.50%APY$50 a year on $10,000
Requirements
Product: Primary account establishing membership in the credit union. Membership requires living on the island of Lāna’i or being an immediate family member of an existing member.
Offer: Dividends computed on the daily average balance and paid quarterly. Minimum balance of $25 required to maintain membership and earn rate.
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 · 10 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 · 4 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 - Matanuska Valley Federal Credit UnionMoney MarketMoney Market · $2,000 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: A balance above $2,000 is required to earn dividends. No monthly fees or service charges.
Offer: Base Rate tier; a balance above $2,000 is required to earn dividends.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,000 – $10,000 0.30% $10,000 – $50,000Your amount 0.30% $50,000 and up 0.50% Rate checked
More details - Lōkahi Federal Credit UnionSecure+ Money Market AccountSecure+ Money Market Account · $0 min · 0.30%–2.50% by balance
Credit union · 6 branches
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 - Big Island Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.30% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are calculated on average daily balance and compounded/credited monthly. A minimum balance of $2,500 is required to earn dividends.
Offer: Tier 1. Minimum balance to earn dividends is $2,500.
0.10% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.10% $5,000 – $10,000Tier 2. 0.15% $10,000 – $25,000Your amountTier 3. 0.25% $25,000 and upTier 4. 0.30% 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
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%
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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