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First Hawaiian Bank

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First Hawaiian Bank Rates & Review November 2026

Q: What are the current interest rates at First Hawaiian Bank?

Current rates for First Hawaiian Bank include: 12-Month CD: 0.04%, 18-Month CD: 0.05%, 24-Month CD: 0.05%, 36-Month CD: 0.07%, 48-Month CD: 0.08%, 60-Month CD: 0.10%, Savings: 0.50%

Q: What CD terms does First Hawaiian Bank offer?

First Hawaiian Bank CD rates are 3.00% APY for a 3 month CD, 3.25% APY for a 6 month CD, 0.04% APY for a 12 month CD, 0.05% APY for an 18 month CD, 0.05% APY for a 2 year CD, 0.07% APY for a 3 year CD, 0.08% APY for a 4 year CD and 0.10% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Hawaiian Bank for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

First Hawaiian Bank's 6-month CD - Priority rates are at 3.25%, 6-month CD rates are at 3.20%, 6-month Online CD rates are at 3.05%, 3-month CD - Priority rates are at 3.00%, 3-month CD rates are at 2.95%. First Hawaiian Bank's savings rates are at 0.50%. First Hawaiian Bank's 10-yr ARM rates are at 6.125%, 5-yr ARM rates are at 5.875%, 7-yr ARM rates are at 6.00%, 3-yr ARM rates are at 5.75%, Hale Kamaaina Mortgage Program - Veteran Affairs (VA) and USDA 30-Year Fixed rates are at 6.67%. First Hawaiian Bank's Auto Loan Rates are as low as 7.95%. First Hawaiian Bank's top CD rate of 3.25% APY on a 6 month CD is 16% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. 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 11/06/2026.

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 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	Min. Deposit
6-month CD - Priority	-	3.25%	6-month	$150,000
Min Deposit $150,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	-	3.20%	6-month	$150,000
Min Deposit $150,000 Details In-Branch; CD promotional rate; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 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 - Priority	-	3.15%	6-month	$75,000
Min Deposit $75,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	-	3.10%	6-month	$75,000
Min Deposit $75,000 Details In-Branch; CD promotional rate; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 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 - Priority	-	3.05%	6-month	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month Online CD	-	3.05%	6-month	$1,000
Min Deposit $1,000 Details Online Only; promotional rate; not for IRA CDs; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-month CD - Priority	-	3.00%	3-month	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	-	3.00%	6-month	$1,000
Min Deposit $1,000 Details In-Branch; CD promotional rate; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 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-month	$1,000
Min Deposit $1,000 Details In-Branch; CD promotional rate; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 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 CD - Priority	-	2.90%	12-month	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month IRA CD - Priority	-	2.90%	12-month	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; IRA CD; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month Online CD	-	2.90%	12-month	$1,000
Min Deposit $1,000 Details Online Only; promotional rate; not for IRA CDs; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month CD	-	2.85%	12-month	$1,000
Min Deposit $1,000 Details In-Branch; CD promotional rate; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 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-month	$1,000
Min Deposit $1,000 Details In-Branch; IRA CD promotional rate; not available for business customers; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 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%
Jumbo 48-59-month CD - Priority	-	0.35%	48-59 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
48-59-month CD - Priority	-	0.30%	48-59 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 48-59-month CD	-	0.30%	48-59 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
48-59-month CD	-	0.25%	48-59 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 36-47-month CD - Priority	-	0.20%	36-47 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 24-35-month CD - Priority	-	0.18%	24-35 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.18% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 18-23-month CD - Priority	-	0.17%	18-23 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.17% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-47-month CD - Priority	-	0.15%	36-47 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-month Online CD	-	0.15%	36-month	$1,000
Min Deposit $1,000 Details Online Only; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 48-59-month CD - Priority	-	0.15%	48-59 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 12-17-month CD - Priority	-	0.15%	12-17 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 36-47-month CD	-	0.15%	36-47 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 9-11-month CD - Priority	-	0.14%	9-11 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-35-month CD - Priority	-	0.13%	24-35 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-month Online CD	-	0.13%	24-month	$1,000
Min Deposit $1,000 Details Online Only; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 36-47-month CD - Priority	-	0.13%	36-47 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 24-35-month CD	-	0.13%	24-35 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 3-5-month CD - Priority	-	0.13%	3-5 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 6-8-month CD - Priority	-	0.13%	6-8 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.13% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-23-month CD - Priority	-	0.12%	18-23 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-month Online CD	-	0.12%	18-month	$1,000
Min Deposit $1,000 Details Online Only; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.12% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 24-35-month CD - Priority	-	0.12%	24-35 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 18-23-month CD	-	0.12%	18-23 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-17-month CD - Priority	-	0.10%	12-17 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month Online CD (Standard)	-	0.10%	12-month	$1,000
Min Deposit $1,000 Details Online Only; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-47-month CD	-	0.10%	36-47 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 12-17-month CD - Priority	-	0.10%	12-17 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 18-23-month CD - Priority	-	0.10%	18-23 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 48-59-month CD	-	0.10%	48-59 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 12-17-month CD	-	0.10%	12-17 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 30-90 Days CD - Priority	-	0.10%	30-90 Days	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
9-11-month CD - Priority	-	0.09%	9-11 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
9-month Online CD	-	0.09%	9-month	$1,000
Min Deposit $1,000 Details Online Only; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.09% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 9-11-month CD	-	0.09%	9-11 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-35-month CD	-	0.08%	24-35 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-5-month CD - Priority	-	0.08%	3-5 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
30-90 Days CD - Priority	-	0.08%	30-90 Days	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-8-month CD - Priority	-	0.08%	6-8 months	$1,000
Min Deposit $1,000 Details In-Branch; Priority CD APY; requires Priority Banking qualification; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 36-47-month CD	-	0.08%	36-47 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 3-5-month CD	-	0.08%	3-5 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 6-8-month CD	-	0.08%	6-8 months	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-23-month CD	-	0.07%	18-23 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 24-35-month CD	-	0.07%	24-35 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month Online CD (Standard)	-	0.06%	6-month	$1,000
Min Deposit $1,000 Details Online Only; $250,000 maximum opening deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.06% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-17-month CD	-	0.05%	12-17 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 12-17-month CD	-	0.05%	12-17 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
IRA 18-23-month CD	-	0.05%	18-23 months	$1,000
Min Deposit $1,000 Details In-Branch IRA; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Jumbo 30-90 Days CD	-	0.05%	30-90 Days	$100,000
Min Deposit $100,000 Details In-Branch Jumbo; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
9-11-month CD	-	0.04%	9-11 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-5-month CD	-	0.03%	3-5 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
30-90 Days CD	-	0.03%	30-90 Days	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.08% → 0.03% ▼ 0.05 pts · high 0.08% / low 0.03% Oct 14, 20260.03%▼ from 0.08% Sep 14, 20260.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-8-month CD	-	0.03%	6-8 months	$1,000
Min Deposit $1,000 Details In-Branch; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.03% 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 Balance: Less than $25,000.00; Base APY 0.40%; requires Personal Priority Banking Gold or Platinum Checking; bonus rate requires $25 monthly deposit; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal Regular Savings	-	0.02%
Min Deposit $20 Min Balance $0 Details Balance: $0.01+; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 6 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: $0.01+; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Mortgage Rates

Product	Rate	Points	APR	Term
10-yr ARM	6.125%	1.875	6.57%	120 Month
Details Term: First 120 Monthly Payment; Hawaii; P&I:; 20% down; Index: 30 Day Average SOFR plus 2.75% owner-occupant margin; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 6.82% → 6.57% ▼ 0.25 pts · high 6.82% / low 6.57% Nov 6, 20266.57%▼ from 6.74% Oct 27, 20266.74%▼ from 6.82% Oct 22, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
5-yr ARM	5.875%	1.875	6.60%	60 Month
Details Term: First 60 Monthly Payments; Hawaii; P&I:; 20% down; Index: 30 Day Average SOFR plus 2.75% owner-occupant margin; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 6.75% → 6.60% ▼ 0.15 pts · high 6.75% / low 6.60% Nov 6, 20266.60%▼ from 6.70% Oct 27, 20266.70%▼ from 6.75% Oct 22, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
7-yr ARM	6.00%	1.875	6.65%	84 Month
Details Term: First 84 Monthly Payments; Hawaii; P&I:; 20% down; Index: 30 Day Average SOFR plus 2.75% owner-occupant margin; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 6.81% → 6.65% ▼ 0.16 pts · high 6.81% / low 6.65% Nov 6, 20266.65%▼ from 6.75% Oct 27, 20266.75%▼ from 6.81% Oct 22, 20266.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-yr ARM	5.75%	1.875	6.67%	36 Month
Details Term: First 36 Monthly Payments; Hawaii; P&I:; 20% down; Index: 30 Day Average SOFR plus 2.75% owner-occupant margin; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 6.77% → 6.67% ▼ 0.10 pts · high 6.77% / low 6.67% Nov 6, 20266.67%▼ from 6.74% Oct 27, 20266.74%▼ from 6.77% Oct 22, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-yr ARM	6.625%	1.500	6.87%	36 Month
Details Term: First 36 Monthly Payments; Saipan; P&I:; 30% down; Index: 30 Day Average SOFR plus 2.75% owner-occupant margin; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 6.97% → 6.87% ▼ 0.10 pts · high 6.97% / low 6.87% Nov 6, 20266.87%▼ from 6.94% Oct 27, 20266.94%▼ from 6.97% Oct 22, 20266.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Hale Kamaaina Mortgage Program - Veteran Affairs (VA) and USDA 30-Year Fixed	6.67%	1.000	6.90%	30 years
Details State of Hawaii only; first-time homebuyers; P&I:; 20% down; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Hale Kamaaina Mortgage Program - 30-Year Conforming Fixed	6.92%	1.000	7.10%	30 years
Details State of Hawaii only; first-time homebuyers; P&I:; 20% down; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit - Current Adjustable Rate	-	-	8.62%
Details Hawaii; Current variable rate as of 11/1/2026; fully indexed variable APR = WSJ Prime + 1.50%; floor 4.50%, cap 19.00% Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loan	-	-	6.97%	4 years
Details As Low As; Hawaii; Rates range 6.97% to 7.95% APR; Income verification over $25,000; 0.25% higher without auto-pay; $50 documentation fee Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Used Car Loan	-	-	7.53%	3 years
Details As Low As; Hawaii; Rates range 6.97% to 7.95% APR; Income verification over $25,000; 0.25% higher without auto-pay; $50 documentation fee Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.53% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal Loan - Promotional Rate (with FHB Auto-Pay)	-	-	7.95%	5 years
Details As Low As; Hawaii; Rates range 7.95% to 16.95% APR; fixed; income verification over $5,000; 0.25% higher without auto-pay; $50 document fee Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Personal Loan Rates

Product	APR	Term
Personal Loan - Promotional Rate (with FHB Auto-Pay)	7.95%	5 years
Details As Low As; Hawaii; Rates range 7.95% to 16.95% APR; fixed; income verification over $5,000; 0.25% higher without auto-pay; $50 document fee Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal FirstLine - Current Adjustable Rate Loan	11.66%
Details As Low As; Hawaii; Current variable rate as of 11/1/2026; APR range 11.66% to 12.42%; line amounts $2,500 to $25,000; APR = WSJ Prime + 4.50 to 5.25 points; max 24.00% Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 11.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Other Rates

Product	Rate	Points	APY/APR	Term
15-yr Fixed Rate	6.00%	2.000	6.47%	15 years
Details Hawaii; P&I:; 20% down; 45-day lock; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.47% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
15-yr Fixed Rate	7.50%	1.000	7.84%	15 years
Details Saipan; P&I:; 30% down; 45-day lock; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 8.09% → 7.84% ▼ 0.25 pts · high 8.09% / low 7.84% Nov 6, 20267.84%▼ from 7.96% Oct 27, 20267.96%▼ from 8.09% Oct 22, 20268.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
30-yr Fixed Rate	6.625%	2.250	6.95%	30 years
Details Hawaii; P&I:; 20% down; 45-day lock; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
30-yr Fixed Rate	8.375%	1.000	8.60%	30 years
Details Saipan; P&I:; 30% down; 45-day lock; Interest rates updated as of 11/05/2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 22, 2026 · 8.86% → 8.60% ▼ 0.26 pts · high 8.86% / low 8.60% Nov 6, 20268.60%▼ from 8.73% Oct 27, 20268.73%▼ from 8.86% Oct 22, 20268.86%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Consumer Equity Loan - Promotional Rate 10 Years	7.914%	-	7.99%	10 years
Details Hawaii; Owner-occupant promotional rate on $100,000 example; up to $500,000; offer for applications 12/19/2023 to 1/4/2024; Hawaii properties only Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Consumer Equity Loan - Promotional Rate 10 Years	7.914%	-	8.13%	10 years
Details Guam; Owner-occupant promotional rate on $100,000 example; up to $500,000; offer for applications 12/19/2023 to 1/4/2024; Guam properties only Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.13% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Consumer Equity Loan - Promotional Rate 7 Years	7.914%	-	8.02%	7 years
Details Hawaii; Owner-occupant promotional rate on $100,000 example; up to $500,000; offer for applications 12/19/2023 to 1/4/2024; Hawaii properties only Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Consumer Equity Loan - Promotional Rate 7 Years	7.914%	-	8.21%	7 years
Details Guam; Owner-occupant promotional rate on $100,000 example; up to $500,000; offer for applications 12/19/2023 to 1/4/2024; Guam properties only Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 8.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business MaxiMizer	-	-	0.02%
Min Deposit $100 Min Balance $0 Details Balance: Less than $2,500; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business MaxiMizer	-	-	0.02%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 7 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: $25,000 - $99,999.99; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 10 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; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 10 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; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 10 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: $1,000,000+; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal MaxiMizer	-	-	0.02%
Min Deposit $20 Min Balance $0 Details Balance: Less than $2,500; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal MaxiMizer	-	-	0.02%
Min Deposit $20 Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal MaxiMizer	-	-	0.03%
Min Deposit $20 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal MaxiMizer	-	-	0.04%
Min Deposit $20 Min Balance $100,000 Details Balance: $100,000 - $499,999.99; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal MaxiMizer	-	-	0.04%
Min Deposit $20 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.04% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal MaxiMizer	-	-	0.05%
Min Deposit $20 Min Balance $1,000,000 Details Balance: $1,000,000+; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 7 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 Balance: $0.01 - $24,999.99; requires Business Priority Banking or Analyzed checking; $50,000 opening deposit via external transfer, check or wire within 5 days; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 8 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 Balance: $25,000 - $99,999.99; requires Business Priority Banking or Analyzed checking; $50,000 opening deposit via external transfer, check or wire within 5 days; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 1.15% APY · checked 8 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; requires Business Priority Banking or Analyzed checking; $50,000 opening deposit via external transfer, check or wire within 5 days; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 2.25% APY · checked 8 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; requires Business Priority Banking or Analyzed checking; $50,000 opening deposit via external transfer, check or wire within 5 days; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 2.35% APY · checked 8 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 Balance: $1,000,000+; requires Business Priority Banking or Analyzed checking; $50,000 opening deposit via external transfer, check or wire within 5 days; Interest rates updated as of 09/03/2026 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 2.45% APY · checked 8 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

Bank Name First Hawaiian Bank

Website https://www.fhb.com

Address 999 Bishop St, Honolulu, HI 96813 · Honolulu

Bank Holding Company FIRST HAWAIIAN INC

FDIC Certificate # 17985

Regulator FDIC

Established January 1, 1858

FDIC Insurance Date April 13, 1959

Domestic Offices 45

Total Branches 49

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.55%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2462%

Return on Equity (ROE)

10.7400%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First Hawaiian Bank earned the Verified Healthy badge

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

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       width="160" height="160">
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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Hawaiian Bank

Does First Hawaiian Bank offer CDs?

Yes. First Hawaiian Bank current CD rates include its 6-month CD - Priority at 3.25% APY, its 6-month CD at 3.20% APY and its 6-month Online CD at 3.05% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from First Hawaiian Bank FDIC insured?

Yes. First Hawaiian Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Hawaiian Bank?

The highest First Hawaiian Bank CD rate is its 6-month CD - Priority at 3.25% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does First Hawaiian Bank offer?

First Hawaiian Bank CD rates are 3.00% APY for a 3 month CD, 3.25% APY for a 6 month CD, 0.04% APY for a 12 month CD, 0.05% APY for an 18 month CD, 0.05% APY for a 2 year CD, 0.07% APY for a 3 year CD, 0.08% APY for a 4 year CD and 0.10% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Hawaiian Bank for its full lineup.

What is the highest savings rate at First Hawaiian Bank?

The highest First Hawaiian Bank savings rate is its YesSavings at 0.50% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at First Hawaiian Bank?

The lowest First Hawaiian Bank 30 year fixed mortgage rate is its Hale Kamaaina Mortgage Program - Veteran Affairs (VA) and USDA 30-Year Fixed at 6.67%, verified by MonitorBankRates as of November 6, 2026. First Hawaiian Bank mortgage rates are 6.92% for a 30 year mortgage, 6.125% for a 10 year mortgage, 6.00% for a 7 year mortgage, 5.875% for a 5 year mortgage and 5.75% for a 3 year mortgage.

What is the lowest auto loan rate at First Hawaiian Bank?

The lowest First Hawaiian Bank auto loan rate is its New Car Loan at 6.97% APR, verified by MonitorBankRates as of November 6, 2026.

What is the lowest personal loan rate at First Hawaiian Bank?

The lowest First Hawaiian Bank personal loan rate is its Personal Loan - Promotional Rate (with FHB Auto-Pay) at 7.95% APR, verified by MonitorBankRates as of November 6, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Hawaiian Bank rates compare?

First Hawaiian Bank's top CD rate of 3.25% APY on a 6 month CD is 16% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. First Hawaiian Bank's top rates are its 6-month CD - Priority at 3.25% APY, its YesSavings at 0.50% APY, its 3-yr ARM at 5.75% and its Personal Loan - Promotional Rate (with FHB Auto-Pay) at 7.95% APR, verified by MonitorBankRates on November 6, 2026.

Current First Hawaiian Bank Rates

12-Month CD0.04%
18-Month CD0.05%
24-Month CD0.05%
36-Month CD0.07%
48-Month CD0.08%
60-Month CD0.10%
Savings0.50%

Retrieved from our database of financial products. Rates subject to change.

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First Hawaiian Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Hawaiian Bank Texas Ratio

First Hawaiian Bank Health Trend

First Hawaiian Bank CD Rates

First Hawaiian Bank Savings Rates

First Hawaiian Bank Business Savings Rates

First Hawaiian Bank Mortgage Rates

First Hawaiian Bank Home Equity & HELOC

First Hawaiian Bank Auto Loan Rates

First Hawaiian Bank Personal Loan Rates

First Hawaiian Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First Hawaiian Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Hawaiian Bank

Does First Hawaiian Bank offer CDs?

Are CDs from First Hawaiian Bank FDIC insured?

What is the highest CD rate at First Hawaiian Bank?

What CD terms does First Hawaiian Bank offer?

What is the highest savings rate at First Hawaiian Bank?

What is the lowest 30 year fixed mortgage rate at First Hawaiian Bank?

What is the lowest auto loan rate at First Hawaiian Bank?

What is the lowest personal loan rate at First Hawaiian Bank?

How many branches does First Hawaiian Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Hawaiian Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Hawaiian Bank rates compare?

Current First Hawaiian Bank Rates

Compare to Other Banks