Best Money Market Rates in Hilo, Hawaii (HI) - May 2026
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The 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.
Current Hilo, Hawaii and the surrounding area money market deposit account rates include HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union375 Kekuanaoa St, Hilo, HI 96720A+5.0 ★Texas Ratio: 2.50% Business Money Market Account at 3.00% APY, CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union476 Hinano St, Hilo, HI 96720A+5.0 ★Texas Ratio: 0.96% Money Market at 1.50% APY, Big Island Federal Credit UnionBig Island Federal Credit Union66 Lono St, Hilo, HI 96720 4144A+5.0 ★Texas Ratio: 5.00% Money Market Account Tier 4 at 0.30% APY, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 3.29% Aloha Rewards Money Market Savings at 3.50% APY, and Ko`olau Federal Credit UnionKo`olau Federal Credit UnionA+5.0 ★Texas Ratio: 3.15% Money Market at 1.65% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Hilo has 3 local institutions in our database, with money market rates as high as 3.00% APY from HawaiiUSA Federal Credit Union at 375 Kekuanaoa St, Hilo, HI 96720. Use the table below to compare all available offers, including options from institutions serving the broader Hawaii area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Hilo, Hawaii and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Hilo, Hawaii & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
3.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Premium Money Market Account
2.85%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
2.50%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Premium Money Market Account
2.35%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
2.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Premium Money Market Account
1.85%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
1.75%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Premium Money Market Account
1.60%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
1.50%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
Money Market
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Premium Money Market Account
1.35%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
Money Market
1.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
1.25%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
Money Market
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
Money Market
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Money Market Account Tier 4
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Money Market Account Tier 3
0.25%
$2,500
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Money Market Account Tier 2
0.15%
$2,500
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Money Market Account Tier 1
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Money Market Account
0.05%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Premium Money Market Account
0.05%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $10,000.00
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Aloha Rewards Checking Account Required.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Aloha Rewards Checking Account Required.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Aloha Rewards Checking Account Required.
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.65%
$2,500
▼
Rate1.64%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$100,001.00 +
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Money Market
1.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Aloha Rewards Checking Account Required.
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
VIP Money Market
1.50%
$100,000
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.50%
$2,500
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$50,001.00 to $100,000.00
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Money Market Account
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.30%
$2,500
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$25,000.00 to $50,000.00
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.15%
$2,500
▼
Rate1.14%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$2,500.00 to $25,000.00
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
VIP Money Market
1.00%
$50,000
▼
Rate1.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Six Money Market Account
0.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Money Market Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Five Money Market Account
0.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Money Market
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Aloha Rewards Money Market Savings
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Aloha Rewards Checking Account Required.
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Money Market Savings
0.50%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Four Money Market Account
0.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Three Money Market Account
0.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$200K & over
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
VIP Money Market
0.35%
$5,000
▼
Rate0.35%
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Money Market
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Safe Harbor - Tier Two Money Market Account
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100K - under $200K
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Money Market Savings
0.25%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$2,500 minimum balance to open; $10 monthly fee for Average Daily Balance below $2,500.
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$25K - under $50K
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MonitorBankRates
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. Rates reflect recent market quotes and representative offers available to depositors in Hilo, Hawaii and the surrounding area.
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.
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.
Hilo, HI Money Market Rate Trends
Compare local Hilo, HI money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — HI Avg
3.070%
▲ 0.011 vs 7 days ago
Hawaii high-yield MMA rates rose 0.011 points over the past 7 days to 3.070% APY.
Standard MMA — HI Avg
0.712%
▼ 0.003 vs 7 days ago
Hawaii standard MMA rates fell 0.003 points over the past 7 days to 0.712% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Hilo, 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 money market 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 Hilo, Hawaii. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in HI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Hilo, Hawaii
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Hawaii.
Are Money Market accounts in Hilo, 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 MMA rates change in Hilo, Hawaii?
Money market 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.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Hilo, Hawaii?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Hilo, Hawaii require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Hilo, Hawaii
Here are some of the highest money market account APYs currently available in Hilo, Hawaii and the surrounding area:
- HawaiiUSA Federal Credit Union
Business Money Market Account — 3.00% APY - CU Hawaii Federal Credit Union
Money Market — 1.50% APY - Big Island Federal Credit Union
Money Market Account Tier 4 — 0.30% APY - Aloha Pacific Federal Credit Union
Aloha Rewards Money Market Savings — 3.50% APY - Ko`olau Federal Credit Union
Money Market — 1.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Hilo, Hawaii. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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