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 Wailuku, HI
- 5.00%APY$500 a year on $10,000with conditions
Requirements
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 - 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 - 0.15%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 - 0.05%APY$5 a year on $10,000
Requirements
Product: Credit Union membership requires $5.00 par value. No monthly service fee. No minimum balance requirement to keep the account open.
Offer: Dividends credited monthly. Rates may change monthly after the account is opened. Minimum balance to earn APY is $100.00.
0.05% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Compounded monthly. No monthly service fees. Low $5 minimum balance.
Offer: Compounded monthly. No monthly service fees.
0.05% interest rate · Compounded monthly · No monthly fee · Effective Jan 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 - 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 - 0.03%APY$3 a year on $10,000with conditions
Requirements
Product: Monthly service fee of $5 waived when you meet daily ledger balance of $500 or make a deposit totaling $25 and no withdrawals for that month. Bonus interest rate and combined APY are contingent upon making a minimum deposit of $25 and no withdrawals during the month.
Offer: Combined rate includes 0.02% bonus interest rate. Contingent upon making a minimum deposit of $25 and no withdrawals during the month.
Qualified rate · 0.03% interest rate · $5 monthly fee · Effective Aug 4, 2026
Rate by balance
Rate by balance for Bonus Rate Savings Balance APY $1 and up 0.03% $10,000 and upYour amount 0.03% $25,000 and up 0.03% $100,000 and up 0.04% Rate checked
More details - 0.03%APY$3 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: Standard rate applied to entire balance if transaction requirements for bonus tiered rates are not met. $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 · 0.03% interest rate · Compounded daily · $6 monthly fee
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: No monthly service fee with a $500 minimum monthly average balance; otherwise $5 per month.
Offer: Tier for balances less than $5,000.
0.00% interest rate · $5 monthly fee
Rate by balance
Rate by balance for ASB Tiered Savings Balance APY Up to $5,000 0.00% $5,000 – $10,000 0.02% $10,000 – $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 – $100,000 0.03% $100,000 – $500,000 0.03% $500,000 – $750,000 0.03% $750,000 – $1,000,000 0.03% $1,000,000 – $2,500,000 0.03% $2,500,000 and up 0.03% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: No monthly service fee with $300 minimum daily balance or monthly automatic transfer of $25 or more from ASB checking (waived up to one year); otherwise $4.50 per month.
Offer: Interest compounded daily and credited monthly on balances of $100 or more.
0.02% interest rate · Compounded daily · $4.50 monthly fee
Rate checked
More details - American Savings BankMoney Market SavingsMoney Market Savings · $20 min · 0.02%–0.03% by balance
Bank · 1 branch
0.02%APY$2 a year on $10,000Requirements
Product: No monthly service fee with a $1,000 minimum daily balance OR $2,500 minimum monthly average balance, otherwise $10 per month.
Offer: No monthly service fee with a $1,000 minimum daily balance OR $2,500 minimum monthly average balance, otherwise $10 per month. Less than $2,500 balance tier.
0.02% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Any balance 0.02% $2,500 and up 0.02% $10,000 and upYour amount 0.02% $25,000 and up 0.02% $100,000 and up 0.03% $500,000 and up 0.03% $1,000,000 and up 0.03% Rate checked
More details - Bank of HawaiiBankohana Bonus Rate SavingsSavings · $100 min · 0.02%–0.03% by balance
Bank · 1 branch
0.02%APY$2 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: Base rate without bonus interest requirement. Requires a Bankohana Checking account.
Qualified rate · 0.02% 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 0.02% $10,000 and upYour amount 0.02% $25,000 and up 0.02% $100,000 and up 0.03% 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 Wailuku, HI
21 accounts at 7 banks and credit unions · checked Oct 15–22
- Typical
- 0.03%
- Top 10% from
- 0.40%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.10%
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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