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Best Money Market Rates in Kapaa, Hawaii (HI) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: April 6, 2026

Current Kapaa, Hawaii and the surrounding area money market rates include Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 3.29% Aloha Rewards Money Market Savings at 3.50% APY, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionA+5.0 ★Texas Ratio: 2.50% Business Money Market Account at 3.00% APY, Ko`olau Federal Credit UnionKo`olau Federal Credit UnionA+5.0 ★Texas Ratio: 3.15% Money Market at 1.65% APY, Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit UnionA+5.0 ★Texas Ratio: 2.77% Money Market at 1.55% APY, and Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% VIP Money Market at 1.50% APY. Money market rates as of April 6, 2026 according to verified data from MonitorBankRates.

Kapaa has 2 local institutions in our database, with money market rates as high as 1.41% APY from Garden Island Federal Credit Union at 4 1105 Kuhio Hwy Ste A2, Kapaa, HI 96746. Use the table below to compare all available offers, including options from institutions serving the broader Hawaii area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Kapaa, Hawaii and surrounding area. Last Updated and Verified: April 6, 2026

Compare the Best Money Market Rates Today in Kapaa, Hawaii & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
4 1105 Kuhio Hwy Ste A2, Kapaa, HI 96746
Money Market Account
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
4 1105 Kuhio Hwy Ste A2, Kapaa, HI 96746
Money Market Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
4 1105 Kuhio Hwy Ste A2, Kapaa, HI 96746
Money Market Account
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
4 1624 Kuhio Hwy, Kapaa, HI 96746
Money Market
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$200K & over

Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
4 1624 Kuhio Hwy, Kapaa, HI 96746
Money Market
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$100K - under $200K

Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
4 1624 Kuhio Hwy, Kapaa, HI 96746
Money Market
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

$25K - under $50K

Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
4 1624 Kuhio Hwy, Kapaa, HI 96746
Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Bal. under $10K

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Money Market Account
3.00%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Premium Money Market Account
2.85%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Money Market Account
2.50%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Premium Money Market Account
2.35%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Money Market Account
2.00%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Premium Money Market Account
1.85%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Money Market Account
1.75%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.65%
$2,500
View
▼
Rate1.64%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Premium Money Market Account
1.60%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Money Market
1.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
VIP Money Market
1.50%
$100,000
View
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Money Market Account
1.50%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.50%
$2,500
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Premium Money Market Account
1.35%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 4, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.30%
$2,500
View
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Money Market Account
1.25%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.15%
$2,500
View
▼
Rate1.14%
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
VIP Money Market
1.00%
$50,000
View
▼
Rate1.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 4, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Six Money Market Account
0.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Five Money Market Account
0.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Money Market Savings
0.50%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Four Money Market Account
0.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Three Money Market Account
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
VIP Money Market
0.35%
$5,000
View
▼
Rate0.35%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Money Market
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Two Money Market Account
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Money Market Account Tier 4
0.30%
$2,500
View
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Money Market
0.30%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Money Market Account Tier 3
0.25%
$2,500
View
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Money Market Savings
0.25%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 4, 2026
Details

$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
PMA Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Money Market Savings Tier 6
0.06%
$5,000
View
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Money Market Savings Tier 5
0.05%
$5,000
View
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Money Market Savings Tier 4
0.05%
$5,000
View
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Money Market Savings Tier 3
0.04%
$5,000
View
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Money Market Savings Tier 2
0.04%
$5,000
View
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Money Market Savings Tier 1
0.03%
$5,000
View
▼
Rate0.03%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details

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 Kapaa, 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.

Kapaa, HI Money Market Rate Trends

Compare local Kapaa, HI 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.

View Full Hawaii MMA Trends →
High-Yield MMA — HI Avg
1.256%
▼ 0.419 vs 7 days ago

Hawaii high-yield MMA rates fell 0.419 points over the past 7 days to 1.256% APY.

Standard MMA — HI Avg
0.792%
▲ 0.226 vs 7 days ago

Hawaii standard MMA rates rose 0.226 points over the past 7 days to 0.792% APY.

As of Apr 8, 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 account rates for Kapaa, 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 Kapaa, 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 Kapaa, Hawaii

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings 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 Kapaa, 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 Kapaa, 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.

Best Money Market Rates in Kapaa, Hawaii

Here are some of the highest money market account APYs currently available in Kapaa, Hawaii and the surrounding area:
  • Aloha Pacific Federal Credit Union
    Aloha Rewards Money Market Savings — 3.50% APY
  • HawaiiUSA Federal Credit Union
    Business Money Market Account — 3.00% APY
  • Ko`olau Federal Credit Union
    Money Market — 1.65% APY
  • Hawaii Law Enforcement Federal Credit Union
    Money Market — 1.55% APY
  • Hawaiian Financial Federal Credit Union
    VIP Money Market — 1.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kapaa, Hawaii. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 6, 2026

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