What are the current interest rates at First Hawaiian Bank?

Current rates for First Hawaiian Bank include: 12-Month CD: 2.85%, 18-Month CD: 0.12%, 24-Month CD: 0.13%, 36-Month CD: 0.15%, Savings: 0.50%

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First Hawaiian Bank

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First Hawaiian Bank Rates & Review October 2026

Q: How many branches does First Hawaiian Bank operate?

First Hawaiian Bank currently maintains approximately 49 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, First Hawaiian Bank 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, First Hawaiian Bank 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: October 12, 2026

First Hawaiian Bank's top rates as of October 12, 2026 are 3.20% APY on its 6-Months 6-month CD, and 0.50% APY on savings, according to rates verified by MonitorBankRates. Other First Hawaiian Bank CD rates include 6-Months 6-month CD at 3.10%, 6-Months 6-month CD at 3.00%, and 3-Months 3-month CD at 2.95%. MonitorBankRates evaluates the financial stability of First Hawaiian Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.55%. Rates last updated and verified on 10/12/2026.

First Hawaiian Bank 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 First Hawaiian Bank? Share your experience about First Hawaiian Bank by leaving a review below, or read customer reviews before you decide to use First Hawaiian Bank.

Verified Healthy Q2 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

1.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Hawaiian Bank

999 Bishop St
Honolulu, HI 96813

https://www.fhb.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Hawaiian Bank CD Rates

Product	Rate	APY	Term
6-month CD	-	3.20%	6 months
Min Deposit $150,000 Details Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.20% ▼ 0.05 pts · high 3.25% / low 3.20% Oct 12, 20263.20%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	-	3.10%	6 months
Min Deposit $75,000 Details Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10% Oct 12, 20263.10%▼ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	-	3.00%	6 months
Min Deposit $1,000 Details Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00% Oct 12, 20263.00%▼ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-month CD	-	2.95%	3 months
Min Deposit $1,000 Details Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95% Oct 12, 20262.95%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month Online CD	-	2.90%	12-month
Min Deposit $1,000 Details Limited time offer. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month CD	-	2.85%	12 months
Min Deposit $1,000 Details Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85% Oct 12, 20262.85%▼ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month IRA CD	-	2.85%	12 months
Min Deposit $1,000 Details Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. IRA CD is not available for business customers. Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85% Oct 12, 20262.85%▼ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-month Online CD	-	0.15%	36-month
Min Deposit $1,000 Details Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-month Online CD	-	0.13%	24-month
Min Deposit $1,000 Details Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-month Online CD	-	0.12%	18-month
Min Deposit $1,000 Details Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
9-month Online CD	-	0.09%	9-month
Min Deposit $1,000 Details Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Savings Rates

Product	Rate	APY
YesSavings	-	0.50%
Min Deposit $10,000 Min Balance $0 Details To be eligible to open a YesSavings Account, you must have a Personal Priority Banking Gold or Platinum Checking Account. Balance Range: Less than $25,000.00. To qualify for the YesSavings bonus interest rate ("Bonus Interest Rate") during your monthly cycle, you must deposit at least $25 per month. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Regular Savings	-	0.02%
Min Deposit $20 Min Balance $0 Details Balance Range: $0.01+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Business Savings Rates

Product	Rate	APY	View More
Business Regular Savings	-	0.02%
Min Deposit $100 Min Balance $0 Details Balance Range: $0.01+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Other Rates

Product	Rate	Points	APY/APR
Business MaxiMizer	-	-	0.02%
Min Deposit $100 Min Balance $0 Details Balance Range: Less than $2,500 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business MaxiMizer	-	-	0.03%
Min Deposit $100 Min Balance $25,000 Details Balance Range: $25,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business MaxiMizer	-	-	0.04%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Balance Range: $100,000 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business MaxiMizer	-	-	0.04%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Balance Range: $500,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business MaxiMizer	-	-	0.05%
Min Deposit $100 Min Balance $1,000,000 Details Balance Range: $1,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
MaxiMizer	-	-	0.02%
Min Deposit $20 Min Balance $0 Details Balance Range: Less than $2,500 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
MaxiMizer	-	-	0.03%
Min Deposit $20 Min Balance $25,000 Details Balance Range: $25,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
MaxiMizer	-	-	0.04%
Min Deposit $20 Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Balance Range: $100,000 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
MaxiMizer	-	-	0.04%
Min Deposit $20 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Balance Range: $500,000 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
MaxiMizer	-	-	0.05%
Min Deposit $20 Min Balance $1,000,000 Details Balance Range: $1,000,000+ Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Promotional Business MaxiMizer Prime	-	-	0.02%
Min Deposit $50,000 Min Balance $0 Details A Business Priority Banking or Analyzed checking account is required. Balance Range: $0.01 - $24,999.99. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Promotional Business MaxiMizer Prime	-	-	1.15%
Min Deposit $50,000 Min Balance $25,000 Details A Business Priority Banking or Analyzed checking account is required. Balance Range: $25,000 - $99,999.99. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Promotional Business MaxiMizer Prime	-	-	2.25%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; A Business Priority Banking or Analyzed checking account is required. Balance Range: $100,000 - $249,999.99. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Promotional Business MaxiMizer Prime	-	-	2.35%
Min Deposit $50,000 Min Balance $250,000 Details Balance: $250,000 - $999,999.99; A Business Priority Banking or Analyzed checking account is required. Balance Range: $250,000 - $999,999.99. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Promotional Business MaxiMizer Prime	-	-	2.45%
Min Deposit $50,000 Min Balance $1,000,000 Details A Business Priority Banking or Analyzed checking account is required. Balance Range: $1,000,000+. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

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

First Hawaiian Bank’s Texas Ratio rose from 0.77% in Q3 2023 to 1.55% 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 5.0 to 5.0. 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	$23.6B	1.55%	5.0	A+
March 31, 2026	$24.3B	1.59%	5.0	A+
December 31, 2025	$24.0B	1.61%	5.0	A+
September 30, 2025	$24.1B	1.35%	5.0	A+
June 30, 2025	$23.8B	1.23%	5.0	A+
March 31, 2025	$23.7B	0.93%	5.0	A+
December 31, 2024	$23.8B	1.01%	5.0	A+
September 30, 2024	$23.8B	0.84%	5.0	A+
June 30, 2024	$24.0B	0.86%	5.0	A+
March 31, 2024	$24.3B	0.86%	5.0	A+
December 31, 2023	$24.9B	0.89%	5.0	A+
September 30, 2023	$24.9B	0.77%	5.0	A+

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 First Hawaiian Bank 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 First Hawaiian Bank 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 First Hawaiian Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Hawaiian Bank

Bank Holding Company FIRST HAWAIIAN INC

Address 999 Bishop St, Honolulu, HI 96813 · Honolulu

Website https://www.fhb.com

FDIC Certificate # 17985

Established 18580101

FDIC Insurance Date 19590413

Domestic Offices 45

Total Branches 49

Regulator FDIC

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

1.55%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2462%

Return on Equity (ROE) 10.7400%

Non-Performing Loans (NPL) 0.18%

Total Assets $23,648,513,000

Total Deposits $20,165,198,000

Equity Capital $2,820,012,000

Net Income $149,278,000

Headquarters Honolulu

Total Branches and Offices 45

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Hawaiian Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About First Hawaiian Bank

How many branches does First Hawaiian Bank operate?

First Hawaiian Bank currently maintains approximately 49 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, First Hawaiian Bank 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, First Hawaiian Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Hawaiian Bank offer online and mobile banking?

Most modern institutions like First Hawaiian Bank 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.fhb.com.