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 Kapaa, HI metro
- 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 - 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 - 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 · 1 branch
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 - 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 - 0.40%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 - Gather Federal Credit UnionCUMMSA (Credit Union Money Market Share Account)CUMMSA (Credit Union Money Market Share Account) · 0.05%–0.25% by balance
Credit union · 7 branches
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are credited to account and compounded monthly. Minimum balance requirements apply to average daily balance. Variable rate account.
Offer: Tier applies to average daily balance less than $2,000.
Compounded monthly · Effective Jan 2, 2024
Rate by balance
Rate by balance for CUMMSA (Credit Union Money Market Share Account) Balance APY Up to $2,000 0.05% $2,000 and upYour amount 0.25% Rate checked
More details - Kaua'i Federal Credit UnionMoney MarketMoney Market · 0.20%–0.40% by balance
Credit union · 3 branches
0.20%APY$20 a year on $10,0000.20% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.20% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 – $100,000 0.25% $100,000 – $200,000 0.30% $200,000 and up 0.40% Rate checked
More details - Garden Island FCUPrimary Regular Share AccountSavings · $100 min · 0.10%–0.30% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,0000.10% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Primary Regular Share Account Balance APY $100 – $10,000Your amount 0.10% $10,000 – $40,000 0.20% Over $40,000 0.30% Rate checked
More details - Garden Island FCUSpecial Share AccountSavings · $5 min · 0.10%–0.30% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,0000.10% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Special Share Account Balance APY Up to $10,000Your amount 0.10% $10,000 – $40,000 0.20% Over $40,000 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends credited and compounded quarterly.
Offer: Min. balance to earn dividends is $100 average daily balance.
Compounded quarterly · Effective Jan 2, 2024
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Separate savings accounts for specific goals with no monthly service fees. Can be pledged as collateral for Share Secured loans and Visa credit cards.
Offer: Dividends earned on average daily balances of $100 or more.
No monthly fee · Effective Jan 2, 2024
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 Kapaa, HI metro
40 accounts at 12 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.10%
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Kapaa, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Finance FactorsBank · 1 branch