Compare Bank & Credit Union Rates
Best high-yield savings rates
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 metro
- 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 - 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 · 2 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 - 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 · 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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Rates may change after account is opened. Fees could reduce earnings on your share account. Rates are subject to change without notice.
Offer: Minimum Balance to earn 0.15% APY** is $100.00. Rates may change after account is opened. Fees could reduce earnings on your share account. Rates are subject to change without notice.
Effective Jan 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Minimum balance of $25.00 required to receive dividends.
Offer: Minimum balance to earn APY is $25.00.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Available to members with an established regular share account. Earns the same dividend rate as Regular Share Account. Cannot have an ATM card.
Offer: Earns the same dividend rates as Regular Share Account.
0.10% interest rate
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
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 metro
45 accounts at 18 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 0.50%
- 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