Best Banks & Checking Accounts in Honolulu, Hawaii - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Honolulu, Hawaii include Hawaii Federal Credit UnionHawaii Federal Credit Union1244 Kaumualii St, Honolulu, HI 96817A+5.0 ★Texas Ratio: 1.76% HIGH YIELD CHECKING at 0.10% APY, Hotel And Travel Industry Federal Credit UnionHotel And Travel Industry Federal Credit Union1914 S KING ST STE 100, Honolulu, HI 96826 2162A5.0 ★Texas Ratio: 7.46% Share Draft Checking (Dividend Bearing) at 0.05% APY, ILWU Federal Credit UnionILWU Federal Credit Union680 Iwilei Rd, Honolulu, HI 96817 5388A+5.0 ★Texas Ratio: 4.69% FREE Checking at 0.05% APY, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1138 N King St, Honolulu, HI 96817A+5.0 ★Texas Ratio: 2.51% Preferred Checking at 0.05% APY, and Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit Union801 S Beretania St, Honolulu, HI 96813A+5.0 ★Texas Ratio: 2.77% Standard Checking at 0.05% APY. Checking account rates as of April 25, 2026 according to verified data from MonitorBankRates.
Honolulu has 7 local institutions in our database, with checking rates as high as 0.10% APY from Hawaii Federal Credit Union at 1244 Kaumualii St, Honolulu, HI, 96817. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Honolulu, Hawaii. Checking Account Rates Last Updated and Verified: April 25, 2026
Compare Checking Account Rates Today in Honolulu, Hawaii & the Surrounding Area
Honolulu, HI 96817
No additional details provided.
Honolulu, HI 96817
$1000
Honolulu, HI 96826 2162
No additional details provided.
Honolulu, HI 96817 5388
No additional details provided.
Honolulu, HI 96817
No additional details provided.
Honolulu, HI 96813
No additional details provided.
Honolulu, HI 96813
No additional details provided.
Honolulu, HI 96813 2573
$300 minimum to earn APY. No longer offered. Existing accounts only.
Honolulu, HI 96813
Min. Opening Deposit: $50 or $5 with Direct Deposit
Honolulu, HI 96813
No additional details provided.
Honolulu, HI 96826 2162
No additional details provided.
Qualifying balance up to $100.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Honolulu, HI 96817
No additional details provided.
Honolulu, HI 96817
$1000
Qualifying balance up to $100.00
No additional details provided.
No additional details provided.
Qualifying balance up to $100.00
Honolulu, HI 96817 5388
No additional details provided.
No additional details provided.
Honolulu, HI 96813 2573
Qualifying balance up to $50,000.00; Qualifications Required; No minimum to earn rate; monthly requirements**: electronic statement, 10 debit card transactions & 1 direct deposit / ACH.
Honolulu, HI 96813 2573
$300 minimum to avoid monthly fee and earn rate.
Honolulu, HI 96813
No additional details provided.
Honolulu, HI Checking Rate Trends
Compare local Honolulu, HI 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 currently average 0.890% APY.
Hawaii free checking rates currently average 2.792% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Honolulu, 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 pulling this data straight 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 Honolulu, 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 Honolulu, Hawaii earn interest?
Are banks in Honolulu, Hawaii FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Honolulu, Hawaii
- Hawaii Federal Credit Union
HIGH YIELD CHECKING — 0.10% APY - Hotel And Travel Industry Federal Credit Union
Share Draft Checking (Dividend Bearing) — 0.05% APY - ILWU Federal Credit Union
FREE Checking — 0.05% APY - Hawaiian Financial Federal Credit Union
Preferred Checking — 0.05% APY - Hawaii Law Enforcement Federal Credit Union
Standard Checking — 0.05% APY
