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Hawaii Savings Rate Trends

Pahala, Hawaii (HI) Savings Rates - March 2026

The best savings rates for Pahala, Hawaii and the surrounding area include CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union96 3258 Maile St, Pahala, HI 96777A+5.0 ★Texas Ratio: 0.96% Kasasa Rewards Savings at 5.00% APY, Bank of HawaiiBank of Hawaii96 3163 Pikake St, Pahala, HI 96777A+5.0 ★Texas Ratio: 1.38% Bankohana Savings Special 90-Day Guaranteed Promo Interest Rate at 3.15% APY, Hawaii Schools Federal Credit UnionHawaii Schools Federal Credit Union233 Vineyard St, Honolulu, HI 96813 2446A+5.0 ★Texas Ratio: 0.21% Kids Club Savings1 at 5.00% APY, Kahuku Federal Credit UnionKahuku Federal Credit Union56 576 Kamehameha Hwy, Kahuku, HI 96731 2211D3.3 ★Texas Ratio: 36.05% Christmas Club Savings at 4.06% APY, and First Foundation BankFirst Foundation Bank500 Ala Moana Boulevard Suite 2a, Honolulu, HI 96813A+5.0 ★Texas Ratio: 1.45% Online Savings at 3.75% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Pahala, Hawaii, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Pahala, Hawaii (HI) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Pahala, Hawaii and the surrounding area. Last Updated and Verified: March 25, 2026

Compare the Best Savings Rates in Pahala, Hawaii & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
96 3258 Maile St, Pahala, HI 96777
Kasasa Rewards Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifications Required: At least 10 debit card purchases; Be enrolled in and agree to receive e-Statements; At least one direct deposit, ACH credit, or ACH payment transaction; Qualifying balance up to $50,000.00

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Savings Special 90-Day Guaranteed Promo Interest Rate
3.15%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Savings Special Combined APY Including Guaranteed Promo 90-day Interest Rate
2.37%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Savings Special Variable APY After 90 Days
2.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Savings Special Combined APY Including Guaranteed Promo 90-day Interest Rate
1.32%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Savings Special Variable APY After 90 Days
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
96 3258 Maile St, Pahala, HI 96777
Special Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
96 3258 Maile St, Pahala, HI 96777
Membership Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
96 3258 Maile St, Pahala, HI 96777
IRA Savings Traditional & Roth
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Bonus Rate Savings
0.03%
$100
Rate0.03%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bankohana Bonus Rate Savings
0.02%
$100
Rate0.02%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bonus Rate Savings
0.02%
$100
Rate0.02%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Monthly Service Fee: $5§

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Bonus Rate Savings
0.01%
$100
Rate0.01%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Monthly Service Fee: $5§

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
96 3163 Pikake St, Pahala, HI 96777
Regular Savings
0.01%
$100
Rate0.01%
Min Deposit$100
Min Balance
UpdatedMar 25, 2026
Details

Monthly Service Fee: $5†

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
Kids Club Savings1
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
Kids Club Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
Christmas Club Savings
4.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
500 Ala Moana Boulevard Suite 2a, Honolulu, HI 96813
Online Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 22, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
New Year Flexible Savings Account
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Terms and Conditions apply.

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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifications Required: Twelve (12) debit card transactions; be enrolled in electronic statements (eStatements); receive or send at least one (1) direct deposit or ACH transaction; log in to digital banking at least once two days before the end of the month; Aloha Rewards Checking Account Required.

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
Premier Savings
3.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 23, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
Holiday Club Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
Holiday Club Savings2
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
Premium Online Savings Account
2.70%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$5 minimum balance to open

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
Premier Savings
2.50%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 23, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifications Required: Twelve (12) debit card transactions; be enrolled in electronic statements (eStatements); receive or send at least one (1) direct deposit or ACH transaction; log in to digital banking at least once two days before the end of the month; Aloha Rewards Checking Account Required.

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
IRA Share
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
Premier Savings
2.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 23, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
eSavings
2.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 23, 2026
Details

Online Only

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Stack Up Savings
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
High-Yield Tiered Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 22, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifications Required: Twelve (12) debit card transactions; be enrolled in electronic statements (eStatements); receive or send at least one (1) direct deposit or ACH transaction; log in to digital banking at least once two days before the end of the month; Aloha Rewards Checking Account Required.

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
Relationship MAXSM Share
2.00%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedMar 23, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1000 Bishop St, Honolulu, HI 96813
Kids Savings
2.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Complimentary Kids Savings stackable money bank and passbook at new account opening

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Stack Up Savings
1.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI 96720
Share Savings Account
1.50%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Qualifications Required: Twelve (12) debit card transactions; be enrolled in electronic statements (eStatements); receive or send at least one (1) direct deposit or ACH transaction; log in to digital banking at least once two days before the end of the month; Aloha Rewards Checking Account Required.

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
High-Yield Tiered Savings Account
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Stack Up Savings
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
Coverdell Education Savings Account
1.36%
$5
Rate1.35%
Min Deposit$5
Min Balance
UpdatedMar 20, 2026
Details

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Stack Up Savings
1.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Family Health Savings Account
1.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Individual Health Savings Account
1.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
Relationship MAXSM Share
1.00%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedMar 23, 2026
Details

University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
2019 S King St, Honolulu, HI 96826
Warrior Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $50,000.00

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI 96813 3016
Holiday Savings Account
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Family Health Savings Account
0.85%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

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.

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.

Pahala, HI Savings Rate Trends

Compare local Pahala, HI savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Hawaii Savings Trends →
High-Yield Savings — HI Avg
2.327%
▲ 0.845 from last week

Hawaii high-yield savings rates rose 0.845 points this week to 2.327% APY, up from 1.482% last week.

Standard Savings — HI Avg
0.209%
▲ 0.159 from last week

Hawaii standard savings rates rose 0.159 points this week to 0.209% APY, up from 0.050% last week.

As of Mar 26, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Pahala, 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 savings 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 Pahala, Hawaii. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in HI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Pahala, Hawaii

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Hawaii, help your money grow faster through a higher APY.

Are savings accounts in Pahala, 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 savings rates change in Pahala, Hawaii?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Pahala, Hawaii may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Pahala, Hawaii?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Pahala, Hawaii offer in-person customer service, which some customers prefer.

How do I open a savings account in Pahala, Hawaii?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Pahala, Hawaii

Here are recent savings rates observed in Pahala, Hawaii and the surrounding area:
  • CU Hawaii Federal Credit Union
    Kasasa Rewards Savings — 5.00% APY
  • Bank of Hawaii
    Bankohana Savings Special 90-Day Guaranteed Promo Interest Rate — 3.15% APY
  • Hawaii Schools Federal Credit Union
    Kids Club Savings1 — 5.00% APY
  • Kahuku Federal Credit Union
    Christmas Club Savings — 4.06% APY
  • First Foundation Bank
    Online Savings — 3.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pahala, Hawaii. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026