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High-Yield Tiered Savings Account

It just makes sense. The more money you save, the harder it should work for you. Wailuku Federal Credit Union’s High-Yield Tiered Savings Account is designed to reward larger deposits by applying higher dividend* rates. Your higher balance means you’ll be granted better rates than our regular savings dividend accounts. And the end result will be a better return on your money.

Our high-yield account uses a tiered savings system, meaning there are different levels based on your balance. Put simply, different dividend rates kick in at different savings amounts. The higher your balance, the better the rate. And the better the rate, the better the return.

Contact Wailuku Federal Credit Union today to learn more about our High-Yield Tiered Savings Account, or check out our rate page for details on balance tiers and dividend rates.

Savings Account Rates

Rates effective as of 4/11/2025
TypeDividend RateAnnual Percentage Yield*
Regular Share Account (Savings)**
($50.00 minimum balance)
0.07%0.07%
Sub-Share Account
(no minimum balance)
0.07%0.07%
Holiday Share Account
(no minimum balance)
0.07%0.07%
Share Draft Account (Checking)
($50.00 initial deposit)
0.03%0.04%
High-Yield Tiered Savings Account***
Less than $50,000.00
0.07%0.07%
High-Yield Tiered Savings Account***
$50,000.00 - $99,999.99
1.49%1.50%
High-Yield Tiered Savings Account***
$100,000.00 - $249,999.99
1.98%2.00%
High-Yield Tiered Savings Account***
$250,000.00 or Greater
1.98%2.00%

*Yields effective as of July 3, 2023 and are subject to change without notice.  Certain fees may reduce earnings.
**You must have a Regular Share Account in order to open the other account types.
***The APY for your account will be determined by the average daily balance for the month and will be applied to the entire account balance based on the tiers as shown above.

I have been doing business with Wailuku Federal Credit Union for 11 years now. Walking into the branch feels like stepping into one of my family member’s home. I’m always greeted by a friendly face such as the team members Alyssa, Kellie, and Brandi just to name a few. Mahalo Wailuku FCU for treating me like family.
-Trina K.