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HawaiiUSA Federal Credit Union

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HawaiiUSA Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at HawaiiUSA Federal Credit Union?

Current rates for HawaiiUSA Federal Credit Union include: 12-Month CD: 1.75%, 18-Month CD: 1.50%, 24-Month CD: 1.50%, 60-Month CD: 1.00%, Savings: 1.05%, MMA: 3.00%

Q: What CD terms does HawaiiUSA Federal Credit Union offer?

HawaiiUSA Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.10% APY for a 12 month CD, 4.40% APY for a 13 month CD, 1.50% APY for an 18 month CD, 1.50% APY for a 2 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with HawaiiUSA Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

HawaiiUSA Federal Credit Union's 13-Month Educator CD (395 days) rates are at 4.40%, 13-Month CD (395 days) rates are at 4.15%, 6-Month CD (182 days) rates are at 3.25%, 1-Year CD (365 days) rates are at 3.10%, 18-Month Income CD (547 days) rates are at 1.50%. HawaiiUSA Federal Credit Union's savings rates are at 1.05%. HawaiiUSA Federal Credit Union's money market rates are at 3.00%. HawaiiUSA Federal Credit Union's checking rates are as high as 5.00%. HawaiiUSA Federal Credit Union's Conventional Fixed Mortgage - 15 Year Fixed Rate rates are at 5.50%, Conventional Fixed Mortgage - 30 Year Fixed Rate rates are at 6.38%, 30 Year Jumbo Fixed Rate rates are at 6.50%. HawaiiUSA Federal Credit Union's Personal Loan Rates are as low as 8.00%. HawaiiUSA Federal Credit Union's Credit Card Rates are at 9.90%. HawaiiUSA Federal Credit Union's CD rates are 26% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of HawaiiUSA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.02%. Rates last updated and verified on 10/28/2026.

HawaiiUSA Federal Credit Union 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 HawaiiUSA Federal Credit Union? Share your experience about HawaiiUSA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use HawaiiUSA Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

HawaiiUSA Federal Credit Union
Main Office

1226 College Walk
Honolulu, HI 96817

https://www.hawaiiusafcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

HawaiiUSA Federal Credit Union CD Rates

Product	Rate	APY	Term
13-Month Educator Share Certificate (395 days)	-	4.40%	395 days
Min Balance $500 Details Promotional Savings Rates; Educator Share Certificate Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25% Oct 23, 20264.40%▲ from 4.25% Oct 15, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
13-Month Share Certificate (395 days)	-	4.15%	395 days
Min Balance $500 Details Promotional Savings Rates Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 23, 20264.15%▲ from 3.75% Oct 15, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
13-Month Share Certificate (395 days)	-	4.15%	13-Month
Min Balance $500 Details Promotional Business Savings Rates; Effective date: October 20, 2026 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 23, 20264.15%▲ from 3.75% Oct 15, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
6 Month Jumbo Certificate	-	3.50%	6-Month (182 days)
Min Balance $100,000 Details Effective date: January 22, 2026; Minimum balance to earn APY: $100,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Jumbo Certificate 6-Month (182 days)	-	3.50%	6-Month
Min Balance $100,000 Details Effective date: January 22, 2026; Minimum balance to earn APY: $100,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
1 Year Jumbo Certificate	-	3.35%	1-Year (365 days)
Min Balance $100,000 Details Effective date: January 22, 2026; Minimum balance to earn APY: $100,000.00 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Jumbo Certificate 1-Year (365 days)	-	3.35%	1-Year
Min Balance $100,000 Details Effective date: January 22, 2026; Minimum balance to earn APY: $100,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
6-Month Share Certificate (182 days)	-	3.25%	182 days
Min Balance $500 Details Promotional Savings Rates Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
6-Month Share Certificate (182 days)	-	3.25%	6-Month
Min Balance $500 Details Promotional Business Savings Rates; Effective date: October 20, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
1-Year Add-On Share Certificate (365 days)	-	3.20%	365 days
Min Balance $200 Details Promotional Savings Rates; Add-On Share Certificate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
1-Year Share Certificate (365 days)	-	3.10%	365 days
Min Balance $500 Details Promotional Savings Rates Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
1-Year Share Certificate (365 days)	-	3.10%	1-Year
Min Balance $500 Details Promotional Business Savings Rates; Effective date: October 20, 2026 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
89-Day Share Certificate	-	3.10%	89 days
Min Balance $5,000 Details Promotional Savings Rates Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Retirement Account (IRA) Share Certificate - 1-Year (365 days)	-	1.75%	1-Year
Min Deposit $500 Min Balance $500 Details Traditional IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Retirement Account (IRA) Share Certificate - 1-Year Roth (365 days)	-	1.75%	1-Year
Min Deposit $500 Min Balance $500 Details Roth IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
18-Month Jump Start Add-On Share Certificate	-	1.60%	18 months
Min Balance $200 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
18-Month Income Share Certificate (547 days)	-	1.50%	547 days
Min Balance $25,000 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
18-Month Share Certificate (547 days)	-	1.50%	547 days
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
2-Year Share Certificate (730 days)	-	1.50%	730 days
Min Balance $2,500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
3-Year Share Certificate (1,095 days)	-	1.25%	1,095 days
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Retirement Account (IRA) Share Certificate - 3-Year (1,095 days)	-	1.25%	3-Year
Min Deposit $500 Min Balance $500 Details Traditional IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Retirement Account (IRA) Share Certificate - 3-Year Roth (1,095 days)	-	1.25%	3-Year
Min Deposit $500 Min Balance $500 Details Roth IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
5-Year Share Certificate (1,825 days)	-	1.00%	1,825 days
Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Retirement Account (IRA) Share Certificate - 5-Year (1,825 days)	-	1.00%	5-Year
Min Deposit $500 Min Balance $500 Details Traditional IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Retirement Account (IRA) Share Certificate - 5-Year Roth (1,825 days)	-	1.00%	5-Year
Min Deposit $500 Min Balance $500 Details Roth IRA Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificate 13-Month (395 days)	-	4.15%	13-Month
Min Balance $500 Details Business Certificate; Minimum Balance to Earn APY: $500.00 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75% Oct 23, 20264.15%▲ from 3.75% Oct 15, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 6-Month (182 days)	-	3.25%	6-Month
Min Balance $500 Details Business Certificate; Minimum Balance to Earn APY: $500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 1-Year (365 days)	-	3.10%	1-Year
Min Balance $500 Details Business Certificate; Minimum Balance to Earn APY: $500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 89-Day	-	3.10%	89-Day
Min Balance $5,000 Details Business Certificate; Minimum Balance to Earn APY: $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 18-Month (547 days)	-	1.50%	18-Month
Min Balance $500 Details Business Certificate; Minimum Balance to Earn APY: $500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 18-Month Income (547 days)	-	1.50%	18-Month
Min Balance $25,000 Details Business Certificate; Minimum Balance to Earn APY: $25,000.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 2-Year (730 days)	-	1.50%	2-Year
Min Balance $2,500 Details Business Certificate; Minimum Balance to Earn APY: $2,500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 3-Year (1,095 days)	-	1.25%	3-Year
Min Balance $500 Details Business Certificate; Minimum Balance to Earn APY: $500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Certificate 5-Year (1,825 days)	-	1.00%	5-Year
Min Balance $500 Details Business Certificate; Minimum Balance to Earn APY: $500.00 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Savings Rates

Product	Rate	APY
Family Health Savings Account	-	1.05%
Min Deposit $100 Min Balance $10,000 Details Balance: >$10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Health Savings Account	-	1.05%
Min Deposit $100 Min Balance $10,000 Details Balance: Over $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Family Health Savings Account	-	0.85%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Health Savings Account	-	0.85%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.01-$10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Family Health Savings Account	-	0.75%
Min Deposit $100 Min Balance $2,000 Details Balance: $2,000.01 - $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Health Savings Account	-	0.75%
Min Deposit $100 Min Balance $2,000 Details Balance: $2,000.01-$5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Family Health Savings Account	-	0.65%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.01 - $2,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Health Savings Account	-	0.65%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.01 - $2,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Family Health Savings Account	-	0.55%
Min Deposit $100 Details Balance: $0.00 - $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Individual Health Savings Account	-	0.55%
Min Deposit $100 Min Balance $100 Details Balance: $0.00 - $1,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Christmas Shares	-	0.40%
Min Balance $100 Details Maximum balance $5,000.00 (must be automatic deduction) Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
IRA Share	-	0.05%
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Roth IRA Share	-	0.05%
Min Deposit $500 Min Balance $500 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Secondary Shares	-	0.05%
Min Deposit $25 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Share Savings	-	0.05%
Min Deposit $5 Min Balance $100 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share	-	0.05%
Min Deposit $5 Min Balance $100 Details Minimum Average Daily Balance to Earn APY: $100.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market Account	-	2.85%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000.00+ Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	2.35%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	1.85%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	1.85%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	1.60%
Min Deposit $10,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	1.35%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	1.35%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	1.35%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Premium Money Market Account	-	0.05%
Min Deposit $10,000 Min Balance $100 Details Balance: <$10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	-	3.00%
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: > $1,000,000.00; Minimum Average Daily Balance to Earn APY: $1,000,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Money Market Account	-	2.50%
Min Deposit $5,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Minimum Average Daily Balance to Earn APY: $500,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Money Market Account	-	2.00%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Average Daily Balance to Earn APY: $100,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Money Market Account	-	1.75%
Min Deposit $5,000 Min Balance $75,000 Details Balance: $75,000.00 - $99,999.99; Minimum Average Daily Balance to Earn APY: $75,000.00 Last Updated 10/28/2026 Rate History No change since Oct 8, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Money Market Account	-	1.50%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99; Minimum Average Daily Balance to Earn APY: $50,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Money Market Account	-	1.25%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000.00 - $49,999.99; Minimum Average Daily Balance to Earn APY: $5,000.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Money Market Account	-	0.05%
Min Deposit $5,000 Min Balance $100 Details Balance: <$5,000.00; Minimum Average Daily Balance to Earn APY: $100.00 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Checking Rates

Product	Rate	APY	View More
eLife Checking	-	5.00%
Min Deposit $20 Details Balance: $0 to $10,000.00 - If qualifications are met Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Mortgage - 15 Year Fixed Rate	5.50%	2.250	6.324%	15 years
Details Payment $817.08 per $100,000 borrowed; 30-day lock; owner-occupant 1st mortgage with 20% down Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.32% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Conventional Fixed Mortgage - 15 Year Fixed Rate	6.125%	0.125	6.616%	15 years
Details Payment $850.62 per $100,000 borrowed; 30-day lock; owner-occupant 1st mortgage with 20% down Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Conventional Fixed Mortgage - 30 Year Fixed Rate	6.375%	2.250	6.976%	30 years
Details Payment $623.87 per $100,000 borrowed; 30-day lock; owner-occupant 1st mortgage with 20% down Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.98% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
30 Year Jumbo Fixed Rate	6.50%	2.125	7.093%	30 years
No additional details. Last Updated 10/28/2026 Rate History 3 changes since Sep 16, 2026 · 6.64% → 7.09% ▲ 0.46 pts · high 7.09% / low 6.64% Oct 28, 20267.09%▲ from 6.89% Oct 23, 20266.89%▼ from 7.02% Oct 4, 20267.02%▲ from 6.64% Sep 16, 20266.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Conventional Fixed Mortgage - 30 Year Fixed Rate	6.625%	1.125	7.118%	30 years
Details Payment $640.31 per $100,000 borrowed; 30-day lock; owner-occupant 1st mortgage with 20% down Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.12% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
30 Year Jumbo Fixed Rate	6.75%	1.000	7.234%	30 years
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.23% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Conventional Fixed Mortgage - 30 Year Fixed Rate	6.875%	0.000	7.258%	30 years
Details Payment $656.93 per $100,000 borrowed; 30-day lock; owner-occupant 1st mortgage with 20% down Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
30 Year Jumbo Fixed Rate	7.00%	0.000	7.387%	30 years
No additional details. Last Updated 10/28/2026 Rate History 2 changes since Oct 8, 2026 · 7.44% → 7.39% ▼ 0.05 pts · high 7.44% / low 7.31% Oct 28, 20267.39%▲ from 7.31% Oct 15, 20267.31%▼ from 7.44% Oct 8, 20267.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Interest-Only Investor or Second Home HELOC - 2 Year	-	-	6.25%	2 Year
Details As Low As; Initial Fixed Rate (APR) as low as 6.25%; Current Variable Rate (APR): 8.75%; As low as rate reflects a .25% rate discount for lines in 1st lien position; Variable rate based on Prime index plus margin, max 18.00% Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 8.75% / low 6.25% Oct 15, 20266.25%▼ from 8.75% Sep 25, 20268.75%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Interest-Only Investor or Second Home HELOC - 5 Year	-	-	7.25%	5 Year
Details As Low As; Initial Fixed Rate (APR) as low as 7.25%; Current Variable Rate (APR): 8.75%; As low as rate reflects a .25% rate discount for lines in 1st lien position; Variable rate based on Prime index plus margin, max 18.00% Last Updated 10/28/2026 Rate History 2 changes since Sep 16, 2026 · 7.25% → 7.25% ▼ 0.00 pts · high 8.75% / low 7.25% Oct 15, 20267.25%▼ from 8.75% Sep 25, 20268.75%▲ from 7.25% Sep 16, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
HELOC Plus	-	-	8.75%
Details Current variable rate (APR) after initial fixed term; index plus margin (Prime Rate, WSJ), adjusts quarterly, max 18.00%; no initial fixed term offered (N/A); effective February 1, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	3.75%	Up to 36 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 3.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
New Auto Loans	-	-	4.25%	Up to 48 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Used Auto Loans	-	-	4.25%	Up to 36 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
New Auto Loans	-	-	4.75%	Up to 60 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Used Auto Loans	-	-	4.75%	Up to 48 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 4.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
New Auto Loans	-	-	5.25%	Up to 72 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Used Auto Loans	-	-	5.25%	Up to 60 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business New Auto (including specialty vehicles)	-	-	5.75%
Details As Low As; Last updated: February 16, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
New Auto Loans	-	-	5.75%	Up to 84 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Used Auto Loans	-	-	5.75%	Up to 72 Months
Details As Low As Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 5.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business Used Auto (including specialty vehicles)	-	-	6.25%
Details As Low As; Last updated: February 16, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Credit Card Rates

Product	Rate	APR
Life Matters Cash Back Visa Credit Card	-	9.90%
Details Published APR range: 9.90-16.90%. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Business VISA Credit Card	-	12.96%
Details APR up to 12.96%; Last updated: February 16, 2026 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 12.96% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Life Matters Premium Cash Back Visa Credit Card	-	17.99%
No additional details. Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 17.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	8.00%	12 Months
Details As Low As; Up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Personal Loans	8.25%	24 Months
Details As Low As; Up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Personal Loans	8.50%	36 Months
Details As Low As; Up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Personal Loans	9.00%	48 Months
Details As Low As; Up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Personal Loans	9.25%	60 Months
Details As Low As; Up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Personal Loans	10.50%	72 Months
Details As Low As; Up to $10,000.00 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

HawaiiUSA Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
"Green" Home Improvement Loan	-	-	8.25%	60 Months
Details min $5,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
"Green" Home Improvement Loan	-	-	8.50%	72 Months
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
"Green" Home Improvement Loan	-	-	8.75%	84 Months
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
"Green" Home Improvement Loan	-	-	9.50%	120 Months
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
"Green" Home Improvement Loan	-	-	10.25%	180 Months
Details min $15,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 10.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
"Green" Home Improvement Loan	-	-	8.25%	5/15 Year Balloon
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Home Improvement Loan	-	-	8.25%	60 Months
Details min $5,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Home Improvement Loan	-	-	8.75%	72 Months
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 8.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Home Improvement Loan	-	-	9.00%	84 Months
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%
Home Improvement Loan	-	-	9.75%	120 Months
Details min $10,000 Last Updated 10/28/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.02%

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

HawaiiUSA Federal Credit Union’s Texas Ratio stayed near 1.82% in Q3 2023 to 2.02% in Q2 2026, so its financial health has stayed 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 credit union’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	$2.7B	2.02%	5.0	A+
March 31, 2026	$2.7B	1.56%	5.0	A+
December 31, 2025	$2.6B	2.41%	5.0	A+
September 30, 2025	$2.6B	2.31%	5.0	A+
June 30, 2025	$2.6B	2.83%	5.0	A+
March 31, 2025	$2.6B	3.54%	5.0	A+
December 31, 2024	$2.6B	2.68%	5.0	A+
September 30, 2024	$2.6B	1.67%	5.0	A+
June 30, 2024	$2.5B	1.87%	5.0	A+
March 31, 2024	$2.4B	2.69%	5.0	A+
December 31, 2023	$2.4B	1.87%	5.0	A+
September 30, 2023	$2.3B	1.82%	5.0	A+

Source: NCUA 5300 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 HawaiiUSA Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather HawaiiUSA Federal Credit Union 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 HawaiiUSA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name HawaiiUSA Federal Credit Union

Website https://www.hawaiiusafcu.com

Address 1226 College Walk, Honolulu, HI 96817

Phone 808-534-4300

Fax 808-844-8561

President Harlan Kimura

CEO Greg Young

Full-Time Employees 355

Part-Time Employees 2

Branch Locations 15

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.02%

Return on Assets (ROA)

0.4253%

Return on Equity (ROE)

4.0017%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

2,668,377,682

Total Amount of Shares and Deposits

2,355,597,927

Total Shares and Deposits < 1 Year

2,341,062,367

Total Shares and Deposits 1 3 Years

12,413,691

Total Shares and Deposits > 3 Years

2,121,868

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

222,870,513

Total Uninsured Shares and Deposits > $250K (F+J)

222,870,513

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,132,727,414

Total Interest Expense (Sum of items 6 8)

13,430,228

Share Certificates

12,123

Number of Accounts for Share Drafts

93,975

IRA KEOGH Accounts

2,900

Number of Accounts for Regular Shares

152,407

All other shares

Money Market Shares

4,058

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

297,762,865

Total Liabilities

2,440,608,919

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

HawaiiUSA Federal Credit Union earned the Verified Healthy badge

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

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About HawaiiUSA Federal Credit Union

Does HawaiiUSA Federal Credit Union offer CDs?

Yes. HawaiiUSA Federal Credit Union current CD rates include its 13-Month Educator CD (395 days) at 4.40% APY, its 13-Month CD (395 days) at 4.15% APY and its 6-Month CD (182 days) at 3.25% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from HawaiiUSA Federal Credit Union NCUA insured?

Yes. HawaiiUSA Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at HawaiiUSA Federal Credit Union?

The highest HawaiiUSA Federal Credit Union CD rate is its 13-Month Educator CD (395 days) at 4.40% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does HawaiiUSA Federal Credit Union offer?

HawaiiUSA Federal Credit Union CD rates are 3.25% APY for a 6 month CD, 3.10% APY for a 12 month CD, 4.40% APY for a 13 month CD, 1.50% APY for an 18 month CD, 1.50% APY for a 2 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with HawaiiUSA Federal Credit Union for its full lineup.

What is the highest savings rate at HawaiiUSA Federal Credit Union?

The highest HawaiiUSA Federal Credit Union savings rate is its Family Health Savings Account at 1.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at HawaiiUSA Federal Credit Union?

The highest HawaiiUSA Federal Credit Union money market rate is its Business Money Market Account at 3.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at HawaiiUSA Federal Credit Union?

The highest HawaiiUSA Federal Credit Union checking rate is its eLife Checking at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at HawaiiUSA Federal Credit Union?

The lowest HawaiiUSA Federal Credit Union 30 year fixed mortgage rate is its Conventional Fixed Mortgage - 30 Year Fixed Rate at 6.375%, verified by MonitorBankRates as of October 28, 2026. HawaiiUSA Federal Credit Union mortgage rates are 6.375% for a 30 year mortgage and 5.50% for a 15 year mortgage.

What is the lowest auto loan rate at HawaiiUSA Federal Credit Union?

The lowest HawaiiUSA Federal Credit Union auto loan rate is its New Auto Loans at 3.75% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at HawaiiUSA Federal Credit Union?

The lowest HawaiiUSA Federal Credit Union personal loan rate is its Personal Loans at 8.00% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at HawaiiUSA Federal Credit Union?

The lowest HawaiiUSA Federal Credit Union credit card APR is its Life Matters Cash Back Visa Credit Card at 9.90% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does HawaiiUSA Federal Credit Union operate?

HawaiiUSA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join HawaiiUSA Federal Credit Union?

Yes, to access services at HawaiiUSA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, HawaiiUSA Federal Credit Union 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, HawaiiUSA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does HawaiiUSA Federal Credit Union offer online and mobile banking?

Most modern institutions like HawaiiUSA Federal Credit Union 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.hawaiiusafcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do HawaiiUSA Federal Credit Union rates compare?

HawaiiUSA Federal Credit Union's CD rates are 26% lower than the MonitorBankRates national average, and it has an A+ health rating. HawaiiUSA Federal Credit Union's top rates are its 13-Month Educator CD (395 days) at 4.40% APY, its Family Health Savings Account at 1.05% APY, its Business Money Market Account at 3.00% APY, its eLife Checking at 5.00% APY, its Conventional Fixed Mortgage - 15 Year Fixed Rate at 5.50%, its Personal Loans at 8.00% APR and its Life Matters Cash Back Visa Credit Card at 9.90% APR, verified by MonitorBankRates on October 28, 2026.

Current HawaiiUSA Federal Credit Union Rates

12-Month CD1.75%
18-Month CD1.50%
24-Month CD1.50%
60-Month CD1.00%
Savings1.05%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

HawaiiUSA Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

HawaiiUSA Federal Credit Union Texas Ratio

HawaiiUSA Federal Credit Union Health Trend

HawaiiUSA Federal Credit Union CD Rates

HawaiiUSA Federal Credit Union Business CD Rates

HawaiiUSA Federal Credit Union Savings Rates

HawaiiUSA Federal Credit Union Business Savings Rates

HawaiiUSA Federal Credit Union Money Market Rates

HawaiiUSA Federal Credit Union Business Money Market Rates

HawaiiUSA Federal Credit Union Checking Rates

HawaiiUSA Federal Credit Union Mortgage Rates

HawaiiUSA Federal Credit Union Home Equity & HELOC

HawaiiUSA Federal Credit Union Auto Loan Rates

HawaiiUSA Federal Credit Union Credit Card Rates

HawaiiUSA Federal Credit Union Personal Loan Rates

HawaiiUSA Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

HawaiiUSA Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About HawaiiUSA Federal Credit Union

Does HawaiiUSA Federal Credit Union offer CDs?

Are CDs from HawaiiUSA Federal Credit Union NCUA insured?

What is the highest CD rate at HawaiiUSA Federal Credit Union?

What CD terms does HawaiiUSA Federal Credit Union offer?

What is the highest savings rate at HawaiiUSA Federal Credit Union?

What is the highest money market rate at HawaiiUSA Federal Credit Union?

What is the highest checking rate at HawaiiUSA Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at HawaiiUSA Federal Credit Union?

What is the lowest auto loan rate at HawaiiUSA Federal Credit Union?

What is the lowest personal loan rate at HawaiiUSA Federal Credit Union?

What is the lowest credit card APR at HawaiiUSA Federal Credit Union?

How many branches does HawaiiUSA Federal Credit Union operate?

Is a member application needed to join HawaiiUSA Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does HawaiiUSA Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do HawaiiUSA Federal Credit Union rates compare?

Current HawaiiUSA Federal Credit Union Rates

Compare to Other Credit Unions