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 Hilo, HI metro
- CU Hawaii Federal Credit UnionKasasa SaverSavings · $0 min · 0.05%–5.00% by balance
Credit union · 10 branches
5.00%APY$500 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Limit of one account per social security number. No monthly maintenance fee or minimum opening deposit.
Offer: Non-qualifying rate applied to entire balance if linked Kasasa checking qualifications are not met during the Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $50,000Your amountQualifying rate when linked Kasasa checking account meets qualifications: at least 10 debit card purchases post/settle, enrolled in and receive e-Statements, and at least one direct deposit, ACH credit, or ACH payment transaction during the Monthly Qualification Cycle. 5.00% Over $50,000dividend rate of 0.249% (or 0.25% in product disclosures) resulting in a blended range from 0.250% to 5.00% APY depending on the balance. 0.25%* 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 - Hawaii County Employees FCUMoney Market Share AccountMoney Market Share Account · $2,500 min
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Effective as of 2025-01-01. Monthly compounding. Average Daily Balance method. Minimum opening deposit and minimum balance to earn stated APY is $2,500.00. Account transfer limitations apply.
2.00% interest rate · Effective Jan 1, 2025
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 - Hawaii Community Federal Credit UnionMoney Manager SavingsSavings · $5,000 min · 1.00%–1.26% by balance
Credit union · 9 branches
1.16%APY$116 a year on $10,000Requirements
Product: A minimum opening deposit of $5,000 is required. If average daily balance is less than $5,000, a monthly service fee of $20.00 applies.
Offer: Tier 1. $20.00 monthly service fee if average daily balance is less than $5,000.00.
1.00% interest rate · $20 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Manager Savings Balance APY Up to $5,000 1.00% $5,000 – $10,000Tier 2. 1.06% $10,000 – $25,000Your amountTier 3. Fee of $20.00 applies if average daily balance falls below $5,000.00. 1.16% $25,000 and upTier 4. Fee of $20.00 applies if average daily balance falls below $5,000.00. 1.26% Rate checked
More details - HFS Federal Credit UnionMoney ManagerMoney Manager · $0 min · 0.00%–1.11% by balance
Credit union · 6 branches
1.11%APY$111 a year on $10,000Requirements
Product: Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A minimum opening balance of $50.00 is required to open a Savings Account. Minimum withdrawal amount is $250.00. Limit of 6 transfers/withdrawals per month.
Offer: Tiered rate account; once a particular range is met, the dividend rate and APY apply to the full balance of the account. If the balance does not meet $2,500.00 for any day during the month, the account earns the dividend rate of a Share Draft Account.
0.00% interest rate
Rate by balance
Rate by balance for Money Manager Balance APY Up to $2,500 0.00% $2,500 – $100,000Your amount 1.11% $100,000 – $250,000A minimum daily balance of $2,500.00 is required to obtain the stated APY. 1.11% $250,000 and upA minimum daily balance of $2,500.00 is required to obtain the stated APY. 1.11% Rate checked
More details - CU Hawaii Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.00%–1.50% by balance
Credit union · 10 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered rate account. Dividends compounded and credited quarterly. $2,500.00 minimum opening balance. $2,500.00 minimum balance to earn interest. Maximum of 6 withdrawals/transfers per calendar month; excessive withdrawal fee of $20.00 applies after 3 withdrawals or transfers per calendar month.
Offer: $2,500.00 minimum balance to earn interest.
1.00% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 1.00% $25,000 – $50,000 1.15% $50,000 – $100,000 1.25% $100,000 – $500,000 1.35% $500,000 and up 1.50% 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 - 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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. Minimum balance of $50.00 to avoid $1.00 monthly service fee.
Offer: $1.00 monthly account service fee if $50 minimum average daily balance for the period is not maintained. Dividends calculated via average daily balance method, compounded and credited monthly.
0.15% interest rate · $1 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Separate savings account for specific goals. No monthly or annual maintenance fees. Membership required.
Offer: No minimum balance requirement. Dividends calculated via average daily balance method, compounded and credited monthly.
0.15% interest rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.
Offer: Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.
0.15% interest rate · Effective Oct 14, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Open with $50.00, plus a one-time $1.00 membership fee. Minimum to earn dividends is $50. Dividends are calculated on the average daily balance, compounded and credited monthly. No monthly service fee.
Offer: Minimum to open account is $50; minimum to earn dividends is $50. Dividends are compounded and credited monthly.
0.15% interest rate · No monthly fee · Effective Oct 14, 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 Hilo, HI metro
42 accounts at 13 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 1.33%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.15%
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Hilo, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hawaii Community Federal Credit UnionCredit union · 9 branches
- Hawaii County Employees FCUCredit union · 1 branch
- CU Hawaii Federal Credit UnionCredit union · 10 branches