Best Money Market Rates in Hawaii (HI) - May 2026
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Hawaii money market deposit account rates include Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union832 S Hotel St, Honolulu, HI 96813 2573A+5.0 ★Texas Ratio: 3.29% Aloha Rewards Money Market Savings at 3.50% APY, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI 96817A+5.0 ★Texas Ratio: 2.50% Business Money Market Account at 3.00% APY, Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit Union801 S Beretania St, Honolulu, HI 96813A+5.0 ★Texas Ratio: 2.77% Money Market at 1.55% APY, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1138 N King St, Honolulu, HI 96817A+5.0 ★Texas Ratio: 2.51% VIP Money Market at 1.50% APY, and Garden Island Federal Credit UnionGarden Island Federal Credit Union3417 Poipu Rd # 701, Koloa, HI 96756 8517A+5.0 ★Texas Ratio: 2.39% Money Market Account at 1.41% APY. Money market rates as of May 2, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Hawaii side-by-side. Hawaii money market rates currently reach as high as 3.50% APY from Aloha Pacific Federal Credit Union at 832 S Hotel St, Honolulu, HI 96813 2573. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Hawaii and surrounding area. Last Updated and Verified: May 2, 2026
Compare the Best Money Market Rates Today in Hawaii
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Rewards Checking Account Required.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
3.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
2.85%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
2.50%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Rewards Checking Account Required.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
2.35%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
2.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Rewards Checking Account Required.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
1.85%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
1.75%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
1.60%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
Money Market
1.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
1.50%
$100,000
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
1.50%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Rewards Checking Account Required.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Money Market Account
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
1.35%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
1.25%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
1.00%
$50,000
▼
Rate1.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Money Market Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Rewards Checking Account Required.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Money Market Savings
0.50%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
Money Market
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$200K & over
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
0.35%
$5,000
▼
Rate0.35%
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
Money Market
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$100K - under $200K
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Money Market Savings
0.25%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$25K - under $50K
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account
0.25%
$2,500
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
PMA Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Bal. under $10K
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
PMA Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account
0.15%
$2,500
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedApr 17, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 2, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
0.05%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 17, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
0.05%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 17, 2026
Details
Qualifying balance up to $10,000.00
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
0.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Aloha Rewards Checking Account Required.
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Hawaii and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Hawaii Money Market Rate Trends
Compare local Hawaii money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — HI Avg
3.051%
▼ 0.030 vs 7 days ago
Hawaii high-yield MMA rates fell 0.030 points over the past 7 days to 3.051% APY.
Standard MMA — HI Avg
0.724%
▲ 0.003 vs 7 days ago
Hawaii standard MMA rates rose 0.003 points over the past 7 days to 0.724% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Hawaii directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Hawaii. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in HI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Hawaii
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Hawaii.
Are Money Market accounts in Hawaii safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Hawaii up to $250,000 per depositor, per institution.
How often do MMA rates change in Hawaii?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Hawaii rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Hawaii?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Hawaii require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Hawaii
Here are some of the highest money market account APYs currently available in Hawaii:
- Aloha Pacific Federal Credit Union
Aloha Rewards Money Market Savings — 3.50% APY - HawaiiUSA Federal Credit Union
Business Money Market Account — 3.00% APY - Hawaii Law Enforcement Federal Credit Union
Money Market — 1.55% APY - Hawaiian Financial Federal Credit Union
VIP Money Market — 1.50% APY - Garden Island Federal Credit Union
Money Market Account — 1.41% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Hawaii. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 2, 2026
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