Best Money Market Rates in Kaneohe, 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 Kaneohe, Hawaii and the surrounding area money market deposit account rates include HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit UnionWindward Mall, Kaneohe, HI 96744A+5.0 ★Texas Ratio: 2.50% Business Money Market Account at 3.00% 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, Ko`olau Federal Credit UnionKo`olau Federal Credit UnionA+5.0 ★Texas Ratio: 3.15% Money Market at 1.65% APY, Hawaii Law Enforcement Federal Credit UnionHawaii Law Enforcement Federal Credit UnionA+5.0 ★Texas Ratio: 2.77% Money Market at 1.55% APY, and Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% VIP Money Market at 1.50% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Kaneohe has 1 local institution in our database, with money market rates as high as 3.00% APY from HawaiiUSA Federal Credit Union at Windward Mall, Kaneohe, HI 96744. 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 Kaneohe, Hawaii and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Kaneohe, 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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
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%
Windward Mall, Kaneohe, HI 96744
Business Money Market Account
1.50%
$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%
Windward Mall, Kaneohe, HI 96744
Premium Money Market Account
1.35%
$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%
Windward Mall, Kaneohe, HI 96744
Business Money Market Account
1.25%
$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%
Windward Mall, Kaneohe, HI 96744
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
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Windward Mall, Kaneohe, HI 96744
Business Money Market Account
0.05%
$5,000
▼
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%
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
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
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.
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
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.50%
$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
1.41%
$0
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
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
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Money Market
1.00%
$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 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
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.
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
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
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
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
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
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Money Market Account Tier 4
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
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
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Money Market Account Tier 3
0.25%
$2,500
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
PMA Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bal. under $10K
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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 Kaneohe, 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.
Kaneohe, HI Money Market Rate Trends
Compare local Kaneohe, 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 Kaneohe, 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 Kaneohe, 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 Kaneohe, 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 Kaneohe, 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 Kaneohe, 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 Kaneohe, 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 Kaneohe, 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 Kaneohe, Hawaii
Here are some of the highest money market account APYs currently available in Kaneohe, Hawaii and the surrounding area:
- HawaiiUSA Federal Credit Union
Business Money Market Account — 3.00% APY - Aloha Pacific Federal Credit Union
Aloha Rewards Money Market Savings — 3.50% APY - Ko`olau Federal Credit Union
Money Market — 1.65% APY - Hawaii Law Enforcement Federal Credit Union
Money Market — 1.55% APY - Hawaiian Financial Federal Credit Union
VIP Money Market — 1.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Kaneohe, 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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