Hawaii Savings & CD Rates
Top savings at 3.00% APY · Top CD at 4.50% APY
Rates refreshed Oct 26 · 10:15 AM HST
Rates sorted by highest APY, as each institution publishes it. Promotional interest rates are shown separately and never used for ranking. Sorting is not influenced by advertising or referral fees.
FF
Finance Factors#1 Best APY
FDIC InsuredProduct
Premier Savings ($100,000+)
APY
3.00%
Min. Balance
$100,000
Checked Oct 26, 2026Lender's page dated Jan 1, 2026 · sourceConditions: Open at a branch with a check drawn on another financial institution. $25 fee if closed within 90 days. Hawaii residents and businesses only.
FF
FDIC Insured
Product
Premier Savings ($50,000–$99,999.99)
APY
2.50%
Min. Balance
$50,000
Checked Oct 26, 2026Lender's page dated Jan 1, 2026 · sourceConditions: Open at a branch with a check drawn on another financial institution. $25 fee if closed within 90 days. Hawaii residents and businesses only.
LFCU
NCUA Insured
Product
Secure+ Money Market ($1,000,000+)
APY
2.50%
Min. Balance
$1,000,000
Checked Oct 26, 2026Lender's page dated Aug 3, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
BOH
FDIC Insured
Product
Bankohana Savings Special ($100K+ balance)
APY
2.28%
Includes promo interest rate of 3.00% for 90 days (a rate, not an APY)
Min. Balance
$100,000
Checked Oct 26, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Requires a Bankohana Bonus Rate Savings Plus account, a Bankohana checking account, and $25,000 of new money from another institution within 30 days. After 90 days the account reverts to the variable APY (2.05% as of 10/15/2026).
FDIC Insured
Product
YesSavings ($100K+ Combined APY)
APY
2.15%
Min. Balance
$100,000
Checked Oct 26, 2026Lender's page dated Sep 3, 2026 · sourceConditions: Combined APY for $100,000–$249,999.99 balances; requires a Priority Banking Gold or Platinum checking account, a $10,000 opening deposit from another institution, and a $25+ deposit each month (otherwise the 1.00% base APY applies).
BOH
FDIC Insured
Product
Bankohana Bonus Rate Savings Plus ($100K+)
APY
2.05%
Min. Balance
$100,000
Checked Oct 26, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Variable APY; requires a Bankohana checking account.
FF
FDIC Insured
Product
Premier Savings ($100–$49,999.99)
APY
2.00%
Min. Balance
$100
Checked Oct 26, 2026Lender's page dated Jan 1, 2026 · sourceConditions: Open at a branch with a check drawn on another financial institution. Balances under $100 earn 0.10% and pay a $5 monthly fee; $25 fee if closed within 90 days. Hawaii residents and businesses only.
Checked Oct 26, 2026Lender's page dated Dec 8, 2025 · sourceConditions: Open online only. Opening deposit must come from another financial institution. Maximum opening deposit $10,000. Balances under $100 earn 0.10% APY and pay a $15 monthly fee.
HIFICU
NCUA Insured
Product
VIP Money Market ($100,000+)
APY
1.50%
Min. Balance
$100,000
Checked Oct 26, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Lower tiers: 1.00% APY at $50,000–$99,999.99; 0.35% at $5,000–$49,999.99. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
LFCU
NCUA Insured
Product
Secure+ Money Market ($250,000–$499,999.99)
APY
1.50%
Min. Balance
$250,000
Checked Oct 26, 2026Lender's page dated Aug 3, 2026 · sourceConditions: Higher tiers: 2.00% APY at $500,000–$999,999.99; 2.50% at $1,000,000+. Balances under $250,000 earn 0.30%. Membership required: people who live, work, worship or attend school on Oahu.
BOH
FDIC Insured
Product
Bankohana Savings Special (under $100K)
APY
1.23%
Includes promo interest rate of 3.00% for 90 days (a rate, not an APY)
Min. Balance
$25,000
Checked Oct 26, 2026Lender's page dated Oct 15, 2026 · sourceConditions: Requires a Bankohana Bonus Rate Savings Plus account, a Bankohana checking account, and $25,000 of new money from another institution within 30 days. After 90 days the account reverts to the variable APY (0.65% as of 10/15/2026).
Checked Oct 26, 2026Lender's page dated Aug 1, 2026 · sourceConditions: $500 to open. Membership required: people who live, work, worship or attend school on Oahu.
Checked Oct 26, 2026Lender's page dated Oct 26, 2026 · source
Checked Oct 26, 2026Lender's page dated Aug 1, 2026 · sourceConditions: $25 to open; $100 balance to earn the APY. Membership required: people who live, work, worship or attend school on Oahu.
Checked Oct 26, 2026Lender's page dated Oct 15, 2026 · sourceConditions: $5 to open; $100 minimum average daily balance to avoid service fees. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Checked Oct 26, 2026Lender's page dated Jan 1, 2026 · sourceConditions: $100 to open and to earn interest.
Checked Oct 26, 2026Lender's page dated Sep 30, 2026 · source
Checked Oct 26, 2026Lender's page dated Sep 3, 2026 · source
Checked Oct 26, 2026Lender's page dated Sep 3, 2026 · source
Checked Oct 26, 2026Lender's page dated Oct 14, 2026 · source
Checked Oct 26, 2026Lender's page dated Oct 14, 2026 · source
Understanding Hawaii Savings & CD Rates
Yields vary widely by product. The highest APYs are usually promotional or tiered offers with balance minimums, new-money requirements, or limited terms, so read each row's conditions. All deposits at FDIC-insured banks are protected up to $250,000 per depositor, and NCUA-insured credit union deposits receive the same level of protection. When comparing rates, pay attention to minimum balance requirements and early withdrawal penalties on CDs.
Savings Tips
- Compare APY, not rate. APY accounts for compounding and gives a true comparison.
- Check minimums. Some high-APY accounts require $10K+ minimum balances.
- CD laddering. Spread deposits across multiple terms to balance yield and liquidity.