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Hawaii Savings Rate Trends

Kawela Bay, Hawaii (HI) Savings Rates - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 savings 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 | Savings Rates Last Updated and Verified: April 11, 2026

The best savings rates for Kawela Bay, Hawaii and the surrounding area include CU Hawaii Federal Credit UnionCU Hawaii Federal Credit UnionA+5.0 ★Texas Ratio: 0.96% Kasasa Rewards Savings at 5.00% APY, Hawaii Schools Federal Credit UnionHawaii Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.21% Kids Club Savings at 5.00% APY, Kahuku Federal Credit UnionKahuku Federal Credit UnionD3.3 ★Texas Ratio: 36.05% Christmas Club Savings at 4.06% APY, First Foundation BankFirst Foundation BankA+5.0 ★Texas Ratio: 1.45% Online Savings at 3.75% APY, and Royal Business BankRoyal Business BankA5.0 ★Texas Ratio: 6.64% New Year Flexible Savings Account at 3.75% APY.

Kawela Bay is a smaller community with no bank or credit union branches currently in our database. 40 institutions serving the Hawaii area are available to Kawela Bay residents, with savings rates as high as 5.00% APY from CU Hawaii Federal Credit Union. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Kawela Bay, Hawaii and the surrounding area. Last Updated and Verified: April 11, 2026

Compare the Best Savings Rates in Kawela Bay, Hawaii & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Kasasa Rewards Savings
5.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required: At least 10 debit card purchases; Be enrolled in and agree to receive e-Statements; At least one direct deposit, ACH credit, or ACH payment transaction; Qualifying balance up to $50,000.00

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
Rewards Savings Account
5.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000.00

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Kids Club Savings
5.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
Christmas Club Savings
4.06%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
Online Savings
3.75%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 29, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
New Year Flexible Savings Account
3.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Terms and Conditions apply.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
3.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Aloha Rewards Checking Account Required.

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Premier Savings
3.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
Holiday Club Savings
3.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Premier Savings
2.50%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 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
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Aloha Rewards Checking Account Required.

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
IRA Share
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
Relationship MAXSM Share
2.00%
$2,500
View
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Premier Savings
2.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
eSavings
2.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Online Only

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
2.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Aloha Rewards Checking Account Required.

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
1.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Aloha Rewards Checking Account Required.

Waialua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
Share Accounts
1.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Savings Account
1.50%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Coverdell Education Savings Account
1.36%
$5
View
▼
Rate1.35%
Min Deposit$5
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Premium Saver Savings Tier 4
1.36%
$50,000
View
▼
Rate1.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Premium Saver Savings Tier 3
1.26%
$50,000
View
▼
Rate1.25%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Premium Saver Savings Tier 2
1.16%
$50,000
View
▼
Rate1.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
Premium Saver Savings Tier 1
1.06%
$50,000
View
▼
Rate1.05%
Min Deposit$50,000
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Individual Health Savings Account
1.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Family Health Savings Account
1.05%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
Relationship MAXSM Share
1.00%
$2,500
View
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Family Health Savings Account
0.85%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Individual Health Savings Account
0.85%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
Regular Savings
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Family Health Savings Account
0.75%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Individual Health Savings Account
0.75%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
IRA/Roth IRA/Coverdell Share
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Individual Health Savings Account
0.65%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
Family Health Savings Account
0.65%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
IRA Share Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Share
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Hawaii National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Savings
0.07%
$100
View
▼
Rate0.07%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Kid's Savings
0.07%
$10
View
▼
Rate0.07%
Min Deposit$10
Min Balance—
UpdatedApr 11, 2026
Details

Hawaii National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
Savings Personal Auto Trans
0.07%
$100
View
▼
Rate0.07%
Min Deposit$100
Min Balance—
UpdatedApr 11, 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.

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.

Kawela Bay, HI Savings Rate Trends

Compare local Kawela Bay, HI savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Hawaii Savings Trends →
High-Yield Savings — HI Avg
2.001%
▼ 0.007 vs 7 days ago

Hawaii high-yield savings rates fell 0.007 points over the past 7 days to 2.001% APY, down from 2.008%.

Standard Savings — HI Avg
0.089%
Unchanged vs 7 days ago

Hawaii standard savings rates currently average 0.089% APY based on data from institutions in our monitoring network.

As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Kawela Bay, 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 savings 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 Kawela Bay, Hawaii. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in HI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Kawela Bay, Hawaii

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Hawaii, help your money grow faster through a higher APY.

Are savings accounts in Kawela Bay, 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 savings rates change in Kawela Bay, Hawaii?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Kawela Bay, Hawaii may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Kawela Bay, Hawaii?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Kawela Bay, Hawaii offer in-person customer service, which some customers prefer.

How do I open a savings account in Kawela Bay, Hawaii?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Kawela Bay, Hawaii

Here are recent savings rates observed in Kawela Bay, Hawaii and the surrounding area:
  • CU Hawaii Federal Credit Union
    Kasasa Rewards Savings — 5.00% APY
  • Hawaii Schools Federal Credit Union
    Kids Club Savings — 5.00% APY
  • Kahuku Federal Credit Union
    Christmas Club Savings — 4.06% APY
  • First Foundation Bank
    Online Savings — 3.75% APY
  • Royal Business Bank
    New Year Flexible Savings Account — 3.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kawela Bay, Hawaii. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026

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