Best Banks & Credit Unions in Waianae, Hawaii
Banks and credit unions serving Waianae, Hawaii. Compare up to 0.25% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Waianae, Hawaii. All rankings inherit from the Hawaii state directory. Every institution listed is licensed to serve Waianae residents and is either headquartered in Hawaii or operates branches in the metro.
Top options in Waianae
- CU Hawaii Federal Credit Union: 3.70% APY. 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: 3.70% APY. 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: 3.25% APY. 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: 3.25% APY. 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: 3.00% APY. 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: 2.75% APY. 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.
Other Hawaii cities
See the full Hawaii banks directory for every institution we've verified in the state, plus the underlying methodology.