Best Checking Accounts & Rates in Hawaii - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Hawaii include Maui County Federal Credit UnionMaui County Federal Credit Union224 Kehalani Drive, Wailuku, HI 96793A5.0 ★Texas Ratio: 6.48% Malama Rewards Checking at 5.00% APY, Hawaii Community Federal Credit UnionHawaii Community Federal Credit Union73 5611 Olowalu St, Kailua Kona, HI 96740 2689A+5.0 ★Texas Ratio: 3.03% 50 Advantage Interest Checking Account at 0.55% APY, Garden Island Federal Credit UnionGarden Island Federal Credit Union3417 Poipu Rd # 701, Koloa, HI 96756 8517A+5.0 ★Texas Ratio: 2.31% Share Draft Checking at 0.10% APY, Hawaii Federal Credit UnionHawaii Federal Credit Union1244 Kaumualii St, Honolulu, HI 96817A+5.0 ★Texas Ratio: 1.68% HIGH YIELD CHECKING & Above at 0.10% APY, and Ewa Federal Credit UnionEwa Federal Credit Union91 1202 Renton Rd # A, Ewa Beach, HI 96706 7000A+5.0 ★Texas Ratio: 0.02% Share Draft (Checking) at 0.08% APY. Checking account rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Hawaii side-by-side. Hawaii checking rates currently reach as high as 5.00% APY from Maui County Federal Credit Union at 224 Kehalani Drive, Wailuku, HI, 96793. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Hawaii. Checking Account Rates Last Updated and Verified: May 22, 2026
Compare Checking Account Rates Today in Hawaii
Wailuku, HI 96793
Qualifying balance up to $100.00
Kailua Kona, HI 96740 2689
No additional details provided.
Koloa, HI 96756 8517
No additional details provided.
Honolulu, HI 96817
$1000
Honolulu, HI 96817
No additional details provided.
Ewa Beach, HI 96706 7000
No additional details provided.
Honolulu, HI 96850
No monthly fee or minimum balance required.
Papaikou, HI 96781
No additional details provided.
Honolulu, HI 96817
No additional details provided.
Honolulu, HI 96813
No additional details provided.
Honolulu, HI 96813 2573
No longer offered. Existing accounts only.
Kailua Kona, HI 96740 1734
No additional details provided.
Honolulu, HI 96817 5388
No additional details provided.
Lihue, HI 96766
No additional details provided.
Wahiawa, HI 96786 0669
No additional details provided.
Honolulu, HI 96826 2162
No additional details provided.
Honolulu, HI 96813 2573
No longer offered. Existing accounts only.
Honolulu, HI 96813 2573
$300 minimum to earn APY. No longer offered. Existing accounts only.
Honolulu, HI 96813
No additional details provided.
Wailuku, HI 96793
No additional details provided.
Wailuku, HI 96793
Qualifying balance up to $100.00
Kailua Kona, HI 96740 2689
No additional details provided.
Honolulu, HI 96817
$1000
Honolulu, HI 96817
No additional details provided.
Kailua Kona, HI 96740 1734
No additional details provided.
Wailuku, HI 96793
Qualifying balance up to $100.00
Honolulu, HI 96850
No monthly fee or minimum balance required.
Honolulu, HI 96813 2573
No longer offered. Existing accounts only.
Honolulu, HI 96813 2573
No longer offered. Existing accounts only.
Honolulu, HI 96817 5388
No additional details provided.
Kailua Kona, HI 96740 2689
No additional details provided.
Honolulu, HI 96813
No additional details provided.
Honolulu, HI 96813 2573
$300 minimum to avoid monthly fee and earn rate.
Hawaii Checking Rate Trends
Compare local Hawaii checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii high-yield checking rates rose 0.351 points over the past 7 days to 0.890% APY.
Hawaii free checking rates currently average 2.792% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hawaii checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Hawaii directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Hawaii. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in HI.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Hawaii earn interest?
Are banks in Hawaii FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Hawaii
- Maui County Federal Credit Union
Malama Rewards Checking — 5.00% APY - Hawaii Community Federal Credit Union
50 Advantage Interest Checking Account — 0.55% APY - Garden Island Federal Credit Union
Share Draft Checking — 0.10% APY - Hawaii Federal Credit Union
HIGH YIELD CHECKING & Above — 0.10% APY - Ewa Federal Credit Union
Share Draft (Checking) — 0.08% APY
Checking Account Rates by City in Hawaii
