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 Kailua, HI
- 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 - 1.15%APY$115 a year on $10,000
Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in Honolulu County (the island of Oahu). Checking and Money Market accounts are Tiered Rate Accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. Dividends compounded and credited monthly. Average Daily Balance method used to calculate dividends.
Offer: Dividends compounded and credited monthly. Dividend rate applies to entire account balance if balance is within tier.
1.14% interest rate · Effective Sep 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.15% $25,000 – $50,000 1.30% $50,001 – $100,000 1.50% $100,001 and up 1.65% 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 - 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 - 0.07%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 - 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: No monthly maintenance fee as long as the terms of the account are being met. Credit union membership required.
Offer: Dividends compounded and credited monthly. Variable rate may change after account opening.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Credit union membership is required.
Offer: No minimum balance to earn APY. Dividends compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - Hawaii National BankVIP Money Market DepositVIP Money Market Deposit · $1,000 min · 0.02%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Minimum deposit $1,000. $8 monthly fee waived with a $2,000 minimum daily balance.
Offer: Minimum daily balance to earn interest is $50. $8 monthly fee waived with $2,000 minimum daily balance. Fees may reduce earnings.
0.02% interest rate · $8 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for VIP Money Market Deposit Balance APY Up to $1,999 0.02% $2,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership required ($5.00 deposit purchases one share). Dividends compounded and credited quarterly based on the Average Daily Balance method. Minimum balance of $100.00 required to earn APY.
Offer: Dividends compounded & credited quarterly; dividend period quarterly; calculated using Average Daily Balance method.
0.05% interest rate · Effective Sep 1, 2025
Rate checked
More details - Bank of HawaiiBankohana Bonus Rate SavingsSavings · $100 min · 0.04%–0.05% by balance
Bank · 1 branch
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Requires a Bankohana Checking account (which can be opened with a minimum deposit of $500). No monthly service fee. Bonus interest rate and combined APY are contingent upon making a minimum deposit of $25 and no withdrawals during monthly cycle.
Offer: Combined rate includes 0.02% bonus interest rate. Requires a Bankohana Checking account; contingent upon making a minimum deposit of $25 and no withdrawals during the month.
Qualified rate · 0.04% interest rate · No monthly fee · Effective Aug 4, 2026
Rate by balance
Rate by balance for Bankohana Bonus Rate Savings Balance APY $1 and up 0.04% $10,000 and upYour amount 0.04% $25,000 and up 0.04% $100,000 and up 0.05% Rate checked
More details - 0.04%APY$4 a year on $10,000with conditions
Requirements
Product: Zero balance for 60 or more consecutive calendar days will cause account to close automatically without notice.
Offer: Tier 1 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly.
Qualified rate · 0.04% interest rate · Compounded daily · $6 monthly fee
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Offer: For accounts opened/maintained in Guam, Saipan, & Palau.
0.03% interest rate · Effective Jul 28, 2026
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 Kailua, HI
27 accounts at 9 banks and credit unions · checked Oct 15–22
- Typical
- 0.04%
- Top 10% from
- 0.76%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.05%
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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