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Best Money Market Rates in Honolulu, Hawaii (HI) - May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: May 12, 2026

Current Honolulu, Hawaii and the surrounding area money market deposit account rates include Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union832 S Hotel St, Honolulu, HI 96813 2573A+5.0 ★Texas Ratio: 3.29% Aloha Rewards Money Market Savings at 3.50% APY, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union1226 College Walk, Honolulu, HI 96817A+5.0 ★Texas Ratio: 2.50% Business Money Market Account at 3.00% APY, Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit Union801 S Beretania St, Honolulu, HI 96813A+5.0 ★Texas Ratio: 2.77% Money Market at 1.55% APY, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1138 N King St, Honolulu, HI 96817A+5.0 ★Texas Ratio: 2.51% VIP Money Market at 1.50% APY, and ILWU Federal Credit UnionILWU Federal Credit Union680 Iwilei Rd, Honolulu, HI 96817 5388A+5.0 ★Texas Ratio: 4.69% Safe Harbor - Tier Six Money Market Account at 0.65% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Honolulu has 7 local institutions in our database, with money market rates as high as 3.50% APY from Aloha Pacific Federal Credit Union at 832 S Hotel St, Honolulu, HI 96813 2573. 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 Honolulu, Hawaii and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Honolulu, Hawaii & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
3.00%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
2.85%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
2.50%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
2.35%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
2.00%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
1.85%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
1.75%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
1.60%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
Money Market
1.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
1.50%
$100,000
View
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
1.50%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
1.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
1.35%
$10,000
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
1.25%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
1.00%
$50,000
View
▼
Rate1.00%
Min Deposit$50,000
Min Balance—
UpdatedMay 6, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier Six Money Market Account
0.65%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier Five Money Market Account
0.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
0.50%
$0
View
▼
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%
832 S Hotel St, Honolulu, HI 96813 2573
Money Market Savings
0.50%
$2,500
View
▼
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.

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
Money Market
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier Four Money Market Account
0.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier Three Money Market Account
0.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier Two Money Market Account
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
0.35%
$5,000
View
▼
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%
801 S Beretania St, Honolulu, HI 96813
Money Market
0.35%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
Money Market Savings
0.25%
$2,500
View
▼
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.

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
PMA Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
PMA Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
VIP Money Market
0.10%
$5
View
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier One Money Market Account
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI 96850
Money Market Shares Plus
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Balances under $100 do not earn dividends.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
0.05%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Premium Money Market Account
0.05%
$10,000
View
▼
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%
832 S Hotel St, Honolulu, HI 96813 2573
Aloha Rewards Money Market Savings
0.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; Aloha Rewards Checking Account Required.; Qualifying balance up to $5,000.00

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.65%
$2,500
View
▼
Rate1.64%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details

$100,001.00 +

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Money Market
1.50%
$2,500
View
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details

$50,001.00 to $100,000.00

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.50%
$0
View
▼
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
1.41%
$0
View
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.35%
$0
View
▼
Rate—
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
View
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details

$25,000.00 to $50,000.00

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.25%
$0
View
▼
Rate—
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
1.15%
$2,500
View
▼
Rate1.14%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details

$2,500.00 to $25,000.00

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.00%
$0
View
▼
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
1.00%
$0
View
▼
Rate1.00%
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
View
▼
Rate0.60%
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
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

$200K & over

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 Honolulu, 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.

Honolulu, HI Money Market Rate Trends

Compare local Honolulu, 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.

View Full Hawaii MMA Trends →
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 Honolulu, 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 Honolulu, 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 Honolulu, 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 Honolulu, 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 Honolulu, 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 Honolulu, 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 Honolulu, 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 Honolulu, Hawaii

Here are some of the highest money market account APYs currently available in Honolulu, Hawaii and the surrounding area:
  • Aloha Pacific Federal Credit Union
    Aloha Rewards Money Market Savings — 3.50% APY
  • HawaiiUSA Federal Credit Union
    Business Money Market Account — 3.00% APY
  • Hawaii Law Enforcement Federal Credit Union
    Money Market — 1.55% APY
  • Hawaiian Financial Federal Credit Union
    VIP Money Market — 1.50% APY
  • ILWU Federal Credit Union
    Safe Harbor - Tier Six Money Market Account — 0.65% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Honolulu, 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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