What are the current interest rates at Bank of Hawaii?

Current rates for Bank of Hawaii include: 12-Month CD: 2.20%

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Bank of Hawaii

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Bank of Hawaii Rates & Review September 2026

Q: How many branches does Bank of Hawaii operate?

Bank of Hawaii currently maintains approximately 52 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of Hawaii does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Hawaii provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Bank of Hawaii's 12-Month Bankohana New Money Special CD rates are at 3.40%, 12-Month Bankohana New Money Special CD rates are at 3.40%, 12-Month Bankohana New Money Special CD rates are at 3.40%, 12-Month Regular Promo CD rates are at 3.30%, 12-Month Regular Promo CD rates are at 3.30%. Bank of Hawaii's Credit Card Rates are at 19.49%. MonitorBankRates evaluates the financial stability of Bank of Hawaii with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.43%. Rates last updated and verified on 09/18/2026.

Bank of Hawaii money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of Hawaii? Share your experience about Bank of Hawaii by leaving a review below, or read customer reviews before you decide to use Bank of Hawaii.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.43%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bank of Hawaii

111 S King St
Honolulu, HI 96813

https://www.boh.com

Bank of Hawaii CD Rates

Product	Rate	APY	Term
12 Month Bankohana New Money Special CD	-	3.40%	12 Month
Min Deposit $5,000 Details Must be opened in-branch with $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Bankohana New Money Special CD	-	3.40%	12 Month
Min Deposit $25,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Bankohana New Money Special CD	-	3.40%	12 Month
Min Deposit $100,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Regular Promo CD	-	3.30%	12 Month
Min Deposit $25,000 Details Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Regular Promo CD	-	3.30%	12 Month
Min Deposit $100,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Bankohana New Money Special CD	-	3.20%	3 Month
Min Deposit $5,000 Details Must be opened in-branch with $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Bankohana New Money Special CD	-	3.20%	3 Month
Min Deposit $100,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Regular Promo CD	-	3.20%	3 Month
Min Deposit $100,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Regular Promo CD	-	3.15%	3 Month
Min Deposit $25,000 Details Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Bankohana New Money Special CD	-	3.05%	6 Month
Min Deposit $5,000 Details Must be opened in-branch with $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Bankohana New Money Special CD	-	3.05%	6 Month
Min Deposit $25,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Bankohana New Money Special CD	-	3.05%	6 Month
Min Deposit $100,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Regular Promo CD	-	3.05%	6 Month
Min Deposit $100,000 Details Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Regular Promo CD	-	2.95%	6 Month
Min Deposit $25,000 Details Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Regular CD	-	2.90%	12 Month
Min Deposit $100,000 Details Must be opened in-branch with a qualifying deposit of $100,000 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Regular New Money Special CD	-	2.90%	12 Month
Min Deposit $2,500 Details Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Regular New Money Special CD	-	2.90%	12 Month
Min Deposit $100,000 Details Must be opened in-branch with a qualifying deposit of $100,000 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Regular CD	-	2.90%	3 Month
Min Deposit $100,000 Details Must be opened in-branch with a qualifying deposit of $100,000 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Regular New Money Special CD	-	2.90%	3 Month
Min Deposit $100,000 Details Must be opened in-branch with a qualifying deposit of $100,000 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Regular New Money Special CD	-	2.80%	3 Month
Min Deposit $2,500 Details Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
3 Month Regular CD	-	2.70%	3 Month
Min Deposit $2,500 Details Must be opened in-branch with $2,500 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Regular CD	-	2.60%	6 Month
Min Deposit $100,000 Details Must be opened in-branch with a qualifying deposit of $100,000 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Regular New Money Special CD	-	2.60%	6 Month
Min Deposit $2,500 Details Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Regular New Money Special CD	-	2.60%	6 Month
Min Deposit $100,000 Details Must be opened in-branch with a qualifying deposit of $100,000 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Regular CD	-	2.35%	6 Month
Min Deposit $2,500 Details Must be opened in-branch with $2,500 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
12 Month Regular CD	-	2.20%	12 Month
Min Deposit $2,500 Details Must be opened in-branch with $2,500 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%
6 Month Jumbo New Money Special CD	-	1.75%	6 Month
Min Deposit $100,000 Details Earn 1.75% APY and get 60,000 Atmos Rewards points with our 6-month Jumbo New Money Special CD. Points will be awarded to the recipient within 60 days of opening a Hawaiian Airlines Jumbo New Money Special CD unless there are discrepancies in identifying the correct Atmos Rewards account number that should be credited. Offer subject to change without notice. You will receive a 1099 for the value of the points. The current estimated value for 60,000 points is $600. Please review the Hawaiian Airlines CD Special rate sheet for full terms and conditions. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Bank of Hawaii Credit Card Rates

Product	Rate	APR	View More
Hawaiian Airlines World Elite Mastercard	-	19.49%
Details Published APR range: 19.49% - 29.49%. Intro rate expires: 15 months; Regular APR: 19.49% - 29.49%, based on your creditworthiness and other factors. Annual Fee is $99. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. Earn 3x points on eligible Hawaiian Airlines and Alaska Airlines purchases. 2x points on gas, dining and grocery store purchases. Earn 1x points on all other purchases. Two free checked bags on eligible Hawaiian Airlines and Alaska Airlines flights. One-time 50%-off companion discount for round-trip Main Cabin travel on eligible flights. $100 companion discount for round-trip Main Cabin travel on eligible Hawaiian Airlines or Alaska Airlines flights after each account anniversary. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.43%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Bank of Hawaii’s Texas Ratio stayed near 1.38% in Q3 2023 to 1.43% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$23.8B	1.43%	5.0	A+
March 31, 2026	$23.9B	1.46%	5.0	A+
December 31, 2025	$24.1B	1.51%	5.0	A+
September 30, 2025	$24.0B	1.67%	5.0	A+
June 30, 2025	$23.7B	1.85%	4.9	A+
March 31, 2025	$23.9B	1.58%	4.6	A
December 31, 2024	$23.6B	1.79%	4.5	A
September 30, 2024	$23.8B	1.77%	4.5	A
June 30, 2024	$23.3B	1.55%	4.4	A
March 31, 2024	$23.4B	1.31%	3.9	B+
December 31, 2023	$23.7B	1.34%	3.8	B+
September 30, 2023	$23.5B	1.38%	3.6	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of Hawaii is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of Hawaii rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of Hawaii's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of Hawaii

Bank Holding Company BANK OF HAWAII CORP

Address 111 S King St, Honolulu, HI 96813 · Honolulu

Website https://www.boh.com

FDIC Certificate # 18053

Established 18970101

FDIC Insurance Date 19590710

Domestic Offices 48

Total Branches 52

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.43%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0279%

Return on Equity (ROE) 13.9200%

Non-Performing Loans (NPL) 0.11%

Total Assets $23,808,407,000

Total Deposits $20,965,195,000

Equity Capital $1,784,990,000

Net Income $123,049,000

Headquarters Honolulu

Total Branches and Offices 48

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bank of Hawaii earned the Verified Healthy badge

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Frequently Asked Questions About Bank of Hawaii

How many branches does Bank of Hawaii operate?

Bank of Hawaii currently maintains approximately 52 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of Hawaii does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of Hawaii provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Hawaii offer online and mobile banking?

Most modern institutions like Bank of Hawaii provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.boh.com.