Best Banks & Credit Unions in Hawaii

Compare the best banks and credit unions in Hawaii — up to 0.25% APY, verified fees, minimums, and membership rules from 27+ local institutions.

Hawaii residents have access to a mix of state-chartered credit unions, regional community banks, and nationwide online banks. This page ranks the strongest options for savings APY, checking rewards, and CD specials — all verified against the institution's own rate page as of September 2026.

Best banks and credit unions in Hawaii 2026

CU Hawaii Federal Credit Union — CD: 3.70% APY, no minimum, no monthly fee. 12 Month Certificate: The rates page prints no minimum opening deposit for certificates; early withdrawal penalties apply; rates effective as of 9/6/26. Read Sep 7, 2026 on cuhawaii.com. Rates as of 2026-09-06 per the page.
Navy Federal Credit Union — CD: 3.70% APY, $1,000 min, no monthly fee. 12-month Short-Term Certificate: $1K minimum APY column; 3.70% at $1K and $20K, 3.75% at $100K; penalties apply for early withdrawal. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
Kaua'i Federal Credit Union — CD: 3.25% APY, no minimum, no monthly fee. 12-month Share Certificate: The rate table prints no minimum opening deposit for share certificates. Read Sep 7, 2026 on kauaicreditunion.org.
Maui County Federal Credit Union — CD: 3.25% APY, $1,000 min, no monthly fee. 12-month 1-year Certificate: $1,000.00 minimum opening deposit; a penalty may be imposed for early withdrawals; APYs accurate as of January 1, 2026. Read Sep 7, 2026 on mauicountyfcu.org. Rates as of 2026-01-01 per the page.
Aloha Pacific Federal Credit Union — CD: 3.00% APY, $1,000 min, no monthly fee. 12-month Certificate: $1,000.00 minimum to open and earn APY; effective as of 09/01/2026. Read Sep 7, 2026 on alohapacific.com. Rates as of 2026-09-01 per the page.
University of Hawaii Federal Credit Union — CD: 2.75% APY, $500 min, no monthly fee. 12-month Regular Certificate: 12 to 17 months band; $500.00 minimum balance to earn the stated APY; the regular certificate schedule states rates are accurate and effective as of 2/13/2023. Read Sep 7, 2026 on uhfcu.com.
CU Hawaii Federal Credit Union — Money Market: 1.00% APY, $2,500 min, no monthly fee. Money Market: $2,500.00 minimum opening balance and $2,500.00 minimum balance to earn interest; $0-$24,999.99 tier; rates effective as of 9/6/26. Read Sep 7, 2026 on cuhawaii.com. Rates as of 2026-09-06 per the page.
Navy Federal Credit Union — Money Market: 0.80% APY, $2,500 min, no monthly fee. Money Market Savings Account (MMSA): Must maintain a minimum daily balance of $2,500 to earn dividends ($0-$2,499 earns 0.00% APY); $2,500-$9,999 tier. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.

Every bank with a branch in Hawaii

13 FDIC-insured banks run 214 full-service offices in Hawaii. 5 of them are community banks, and 4 operate nowhere else. This is the federal record: every figure below is the regulator's own.

Bank of Hawaii — 46 offices in Hawaii, of 51 nationwide, holding $19.5bn at 30 June 2025, leverage ratio 8.38%.
First Hawaiian Bank — 45 offices in Hawaii, of 49 nationwide, holding $18.2bn at 30 June 2025, leverage ratio 9.44%.
American Savings Bank, National Association — 35 offices in Hawaii, and nowhere else, holding $8.05bn at 30 June 2025, leverage ratio 9.10%.
Bank of Hope — 28 offices in Hawaii, of 72 nationwide, holding $1.69bn at 30 June 2025, leverage ratio 10.82%.
Central Pacific Bank — 27 offices in Hawaii, and nowhere else, holding $6.56bn at 30 June 2025, leverage ratio 9.60%.
Finance Factors, Ltd. — 13 offices in Hawaii, and nowhere else, holding $557m at 30 June 2025, leverage ratio 12.02%.
Hawaii National Bank — 10 offices in Hawaii, and nowhere else, holding $769m at 30 June 2025, leverage ratio 11.02%.
Mechanics Bank — 4 offices in Hawaii, of 166 nationwide, leverage ratio 9.38%.
Commonwealth Business Bank — 2 offices in Hawaii, of 12 nationwide, holding $273m at 30 June 2025, leverage ratio 13.93%.
Sunflower Bank, National Association — 1 office in Hawaii, of 99 nationwide, leverage ratio 10.27%.
First-Citizens Bank & Trust Company — 1 office in Hawaii, of 510 nationwide, holding $0 at 30 June 2025, leverage ratio 9.75%.
First American Trust, FSB — 1 office in Hawaii, of 11 nationwide, holding $16m at 30 June 2025, leverage ratio 7.89%.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Branches by town in Hawaii

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

First Hawaiian Bank in Honolulu, HI — 14 branches
Bank of Hope in Honolulu, HI — 14 branches
Bank of Hawaii in Honolulu, HI — 13 branches
American Savings Bank, National Association in Honolulu, HI — 12 branches
Central Pacific Bank in Honolulu, HI — 11 branches
Finance Factors, Ltd. in Honolulu, HI — 7 branches
Hawaii National Bank in Honolulu, HI — 6 branches
Mechanics Bank in Honolulu, HI — 2 branches
First Hawaiian Bank in Hilo, HI — 2 branches
First Hawaiian Bank in Kaneohe, HI — 2 branches
First Hawaiian Bank in Lahaina, HI — 2 branches
Bank of Hawaii in Lahaina, HI — 2 branches
Bank of Hawaii in Waipahu, HI — 2 branches
Bank of Hawaii in Hilo, HI — 2 branches
Bank of Hope in Waipahu, HI — 2 branches

Branch pages in Hawaii

Every office we publish a page for in Hawaii, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Every credit union with an office in Hawaii

50 federally insured credit unions run 175 offices in Hawaii, between them serving 19,204,991 members. 21 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

Navy Federal Credit Union — 5 offices in Hawaii, 15,350,733 members, $203.6bn in assets, net worth ratio 11.37%.
Pentagon — 2 offices in Hawaii, 2,759,060 members, $29.4bn in assets, net worth ratio 10.47%.
Hawaii State — 15 offices in Hawaii, 138,998 members, $2.88bn in assets, net worth ratio 9.44%.
Hawaiiusa — 15 offices in Hawaii, 130,552 members, $2.67bn in assets, net worth ratio 10.38%.
Operating Engineers Local Union #3 — 1 office in Hawaii, 121,682 members, $1.65bn in assets, net worth ratio 15.26%.
Aloha Pacific — 11 offices in Hawaii, 70,841 members, $1.53bn in assets, net worth ratio 9.55%.
Hawaiian Financial — 10 offices in Hawaii, 51,839 members, $1.11bn in assets, net worth ratio 11.73%.
Hfs — 6 offices in Hawaii, 55,975 members, $1.10bn in assets, net worth ratio 9.03%.
Matanuska Valley — 1 office in Hawaii, 65,250 members, $985m in assets, net worth ratio 10.40%.
University of Hawaii — 5 offices in Hawaii, 35,354 members, $957m in assets, net worth ratio 11.19%.
Gather — 7 offices in Hawaii, 40,477 members, $924m in assets, net worth ratio 12.56%.
Hawaii Community — 10 offices in Hawaii, 45,859 members, $805m in assets, net worth ratio 9.60%.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Hawaii bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Hawaii residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Hawaii bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances — the FDIC or NCUA ID is listed on the full provider row.

Best banks in Hawaii cities

Related guides for Hawaii savers

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.