Best Money Market Rates in Waianae, Hawaii (HI) - April 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 Waianae, Hawaii and the surrounding area money market rates include 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, Ko`olau Federal Credit UnionKo`olau Federal Credit Union6699 Mokapu Rd, KAILUA, HI 96734A+5.0 ★Texas Ratio: 3.15% Money Market at 1.65% 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 CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734A+5.0 ★Texas Ratio: 0.96% Money Market at 1.50% APY. Money market rates as of April 2, 2026 according to verified data from MonitorBankRates.
To see how these money market rates in Waianae, Hawaii and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Waianae, Hawaii (HI) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Waianae, Hawaii and surrounding area. Last Updated and Verified: April 2, 2026
Compare the Best Money Market Rates Today in Waianae, 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%
1226 College Walk, Honolulu, HI 96817
Business Money Market Account
3.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 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
2.35%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 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
1.85%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Money Market
1.65%
$2,500
▼
Rate1.64%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 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
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Money Market
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Money Market
1.50%
$2,500
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 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
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 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
▼
Rate1.50%
Min Deposit$100,000
Min Balance—
UpdatedMar 27, 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
1.35%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMar 27, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Money Market
1.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Money Market
1.30%
$2,500
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 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
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Money Market
1.15%
$2,500
▼
Rate1.14%
Min Deposit$2,500
Min Balance—
UpdatedMar 24, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Money Market
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
▼
Rate1.00%
Min Deposit$50,000
Min Balance—
UpdatedMar 27, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Money Market
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Money Market
0.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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
0.50%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 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%
680 Iwilei Rd, Honolulu, HI 96817 5388
Safe Harbor - Tier Four Money Market Account
0.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
$200K & over
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
▼
Rate0.35%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account Tier 4
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
$100K - under $200K
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Money Market
0.30%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
$25K - under $50K
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account Tier 3
0.25%
$2,500
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 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
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 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
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Kauai Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
2976 Ewalu St, Lihue, HI 96766
Money Market
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Bal. under $10K
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account Tier 2
0.15%
$2,500
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Money Market
0.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Money Market Account Tier 1
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Money Market
0.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 29, 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
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 27, 2026
Details
Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
220 S King St, Honolulu, HI 96813
Business Money Market Savings Tier 6
0.06%
$5,000
▼
Rate0.06%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
220 S King St, Honolulu, HI 96813
Business Money Market Savings Tier 4
0.05%
$5,000
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
220 S King St, Honolulu, HI 96813
Business Money Market Savings Tier 5
0.05%
$5,000
▼
Rate0.05%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$25 minimum balance to open
Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
220 S King St, Honolulu, HI 96813
Business Money Market Savings Tier 3
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
220 S King St, Honolulu, HI 96813
Business Money Market Savings Tier 2
0.04%
$5,000
▼
Rate0.04%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Central Pacific Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
220 S King St, Honolulu, HI 96813
Business Money Market Savings Tier 1
0.03%
$5,000
▼
Rate0.03%
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
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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 Waianae, 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.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Waianae, 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 Waianae, 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 Waianae, Hawaii
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings 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 Waianae, 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 Waianae, 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.
Best Money Market Rates in Waianae, Hawaii
Here are some of the highest money market account APYs currently available in Waianae, Hawaii and the surrounding area:
- HawaiiUSA Federal Credit Union
Business Money Market Account — 3.00% 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 - CU Hawaii Federal Credit Union
Money Market — 1.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waianae, Hawaii. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 2, 2026
