What are the current interest rates at Hawaii National Bank?

Current rates for Hawaii National Bank include: Savings: 0.07%

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Hawaii National Bank

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Hawaii National Bank Rates & Review October 2026

Q: How many branches does Hawaii National Bank operate?

Hawaii National Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Hawaii National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hawaii National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Hawaii National Bank's top rate as of October 11, 2026 is 0.07% APY on savings, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Hawaii National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.25%. Rates last updated and verified on 10/11/2026.

Hawaii National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Hawaii National Bank? Share your experience about Hawaii National Bank by leaving a review below, or read customer reviews before you decide to use Hawaii National Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.25%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Hawaii National Bank

45 N King St Fl 7
Honolulu, HI 96817

https://www.hawaiinational.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Hawaii National Bank Savings Rates

Product	Rate	APY
Christmas Club	0.07%	0.07%
Min Deposit $1 Min Balance $1 Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Kid's Savings	0.07%	0.07%
Min Deposit $10 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Savings	0.07%	0.07%
Min Deposit $100 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Hawaii National Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Premium HELOC	-	-	6.38%
Details Variable rate for the Premium program. As of October 5, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 6.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
Home Equity Standard HELOC	-	-	7.88%
Details Variable rate for the standard program. As of October 5, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 7.88% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Hawaii National Bank Other Rates

Product	Rate	Points	APY/APR
Super Now	0.02%	-	0.02%
Min Deposit $500 Min Balance $50 Details If balance > $2,000, interest rate and APY are increased. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%
V.I.P. MMDA	0.02%	-	0.02%
Min Deposit $1,000 Min Balance $50 Details Balance: $50 - $1,999; If daily balance >$2,000, rate increases to 0.05%.; APY range: 0.02% or 0.05%; RATE range: 0.02% or 0.05% Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Hawaii National Bank’s Texas Ratio fell from 4.68% in Q3 2023 to 0.25% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$872M	0.25%	5.0	A+
March 31, 2026	$883M	2.54%	5.0	A+
December 31, 2025	$893M	1.26%	5.0	A+
September 30, 2025	$872M	0.10%	5.0	A+
June 30, 2025	$863M	0.10%	5.0	A+
March 31, 2025	$859M	0.12%	5.0	A+
December 31, 2024	$858M	0.12%	5.0	A+
September 30, 2024	$818M	0.00%	5.0	A+
June 30, 2024	$826M	0.00%	5.0	A+
March 31, 2024	$783M	0.00%	5.0	A+
December 31, 2023	$797M	2.40%	5.0	A+
September 30, 2023	$784M	4.68%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Hawaii National Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Hawaii National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Hawaii National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Hawaii National Bank

Bank Holding Company HAWAII NATIONAL BANCSHARES INC

Address 45 N King St Fl 7, Honolulu, HI 96817 · Honolulu

Website https://www.hawaiinational.bank

FDIC Certificate # 18296

Established 19600916

FDIC Insurance Date 19600916

Domestic Offices 10

Total Branches 10

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8557%

Return on Equity (ROE) 8.0900%

Non-Performing Loans (NPL) 0.03%

Total Assets $871,698,000

Total Deposits $772,275,000

Equity Capital $94,179,000

Net Income $3,777,000

Headquarters Honolulu

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Hawaii National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/hawaii-national-bank-rates-review-18296">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Hawaii National Bank

How many branches does Hawaii National Bank operate?

Hawaii National Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Hawaii National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Hawaii National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Hawaii National Bank offer online and mobile banking?

Most modern institutions like Hawaii National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.hawaiinational.bank.