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
- 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 - Gather Federal Credit UnionKasasa SaverSavings · $25 min · 0.10%–2.00% by balance
Credit union · 1 branch
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 - Garden Island FCUMoney Market AccountMoney Market Account · $5,000 min · 0.60%–1.41% by balance
Credit union · 1 branch
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 · 1 branch
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 - 0.20%APY$20 a year on $10,000
0.20% 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 · 1 branch
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 · 1 branch
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 - 0.10%APY$10 a year on $10,000
Requirements
Product: One-time $1 membership fee required. Variable rate. Dividends compounded and credited quarterly. 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 - Kaua'i Federal Credit UnionPersonal SavingsSavings · $5 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Minimum $5 deposit to open. Also listed on rate schedule as Regular and Secondary Savings. Fees could reduce earnings on the account.
Offer: Bal. under $5K
0.10% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Personal Savings Balance APY Up to $5,000 0.10% $5,000 – $20,000Your amount$5K – under $20K 0.10% $20,000 – $50,000$20K – under $50K 0.10% $50,000 – $200,000$50K – under $200K 0.20% $200,000 and up$200K & over 0.30% Rate checked
More details - 0.10%APY$10 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: Unqualified: entire balance earns standard rate when paired Nalu Checking does not meet minimum qualifications.
Qualified rate · 0.10% interest rate · Effective Jun 1, 2026
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
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 Kapaa, HI
27 accounts at 6 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 0.54%
- 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