What are the current interest rates at First Hawaiian Bank?

Current rates for First Hawaiian Bank include: 12-Month CD: 0.09%, 18-Month CD: 0.10%, 24-Month CD: 0.10%, 36-Month CD: 0.12%, 48-Month CD: 0.13%, 60-Month CD: 0.15%, Savings: 0.02%

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First Hawaiian Bank

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First Hawaiian Bank Rates & Review September 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: September 14, 2026

First Hawaiian Bank's 6-month CD rates are at 3.25%, 6-month CD rates are at 3.15%, 6-month CD rates are at 3.05%, 6-month Online CD rates are at 3.05%, 3-month CD rates are at 3.00%. First Hawaiian Bank's savings rates are at 0.02%. 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 09/14/2026.

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

First Hawaiian Bank CD Rates

Product	Rate	APY	Term
6-month CD	3.20%	3.25%	6-month
Min Deposit $150,000 Details Priority CD APY: 3.25% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	3.10%	3.15%	6-month
Min Deposit $75,000 Details Priority CD APY: 3.15% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month CD	3.00%	3.05%	6-month
Min Deposit $1,000 Details Priority CD APY: 3.05% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month Online CD	-	3.05%	6-month
Min Deposit $1,000 Details Limited time offer. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-month CD	2.95%	3.00%	3-month
Min Deposit $1,000 Details Priority CD APY: 3.00% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month CD	2.85%	2.90%	12-month
Min Deposit $1,000 Details Priority CD APY: 2.90% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month IRA CD	2.85%	2.90%	12-month
Min Deposit $1,000 Details Priority CD APY: 2.90% Last Updated 09/14/2026 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. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
48-59 month CD	0.30%	0.35%	59 Months
Min Deposit $100,000 Details Priority CD APY: 0.35% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
48-59 month CD	0.25%	0.30%	59 Months
Min Deposit $1,000 Details Priority CD APY: 0.30% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-47 month CD	0.15%	0.20%	47 Months
Min Deposit $100,000 Details Priority CD APY: 0.20% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-35 month CD	0.13%	0.18%	35 Months
Min Deposit $100,000 Details Priority CD APY: 0.18% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-23 month CD	0.12%	0.17%	23 Months
Min Deposit $100,000 Details Priority CD APY: 0.17% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-17 month CD	0.10%	0.15%	17 Months
Min Deposit $100,000 Details Priority CD APY: 0.15% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-47 month CD	0.10%	0.15%	47 Months
Min Deposit $1,000 Details Priority CD APY: 0.15% Last Updated 09/14/2026 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 CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
48-59 month CD	0.10%	0.15%	59 Months
Min Deposit $1,000 Details Priority CD APY: 0.15% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
9-11 month CD	0.09%	0.14%	11 Months
Min Deposit $100,000 Details Priority CD APY: 0.14% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-35 month CD	0.08%	0.13%	35 Months
Min Deposit $1,000 Details Priority CD APY: 0.13% Last Updated 09/14/2026 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 CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-5 month CD	0.08%	0.13%	5 Months
Min Deposit $100,000 Details Priority CD APY: 0.13% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
36-47 month CD	0.08%	0.13%	47 Months
Min Deposit $1,000 Details Priority CD APY: 0.13% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-8 month CD	0.08%	0.13%	8 Months
Min Deposit $100,000 Details Priority CD APY: 0.13% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-23 month CD	0.07%	0.12%	23 Months
Min Deposit $1,000 Details Priority CD APY: 0.12% Last Updated 09/14/2026 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 CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
24-35 month CD	0.07%	0.12%	35 Months
Min Deposit $1,000 Details Priority CD APY: 0.12% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-17 month CD	0.05%	0.10%	17 Months
Min Deposit $1,000 Details Priority CD APY: 0.10% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
12-month Online CD	-	0.10%	12-month
Min Deposit $1,000 Details Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
18-23 month CD	0.05%	0.10%	23 Months
Min Deposit $1,000 Details Priority CD APY: 0.10% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
30-90 Days CD	0.05%	0.10%	30-90 Days
Min Deposit $100,000 Details Priority CD APY: 0.10% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
9-11 month CD	0.04%	0.09%	11 Months
Min Deposit $1,000 Details Priority CD APY: 0.09% Last Updated 09/14/2026 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 CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
3-5 month CD	0.03%	0.08%	5 Months
Min Deposit $1,000 Details Priority CD APY: 0.08% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
30-90 Days CD	0.03%	0.08%	30-90 Days
Min Deposit $1,000 Details Priority CD APY: 0.08% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-8 month CD	0.03%	0.08%	8 Months
Min Deposit $1,000 Details Priority CD APY: 0.08% Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-month Online CD	-	0.06%	6-month
Min Deposit $1,000 Details Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. 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. $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit). Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

First Hawaiian Bank Savings Rates

Product	Rate	APY
YesSavings Account	1.00%	2.35%
Min Deposit $10,000 Min Balance $1,000,000 Details To qualify for the YesSavings bonus interest rate ("Bonus Interest Rate") during your monthly cycle, you must deposit at least $25 per month. If you qualify for the Bonus Interest Rate, you will earn a Combined Interest Rate which is the base interest rate plus Bonus Interest Rate. If you do not qualify for the Bonus Interest Rate for a monthly cycle, the base interest rate ("Interest Rate") will apply. You may re-qualify to earn the Bonus Interest Rate in any subsequent monthly cycle by meeting the condition stated above. The rates may change after the account is opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
YesSavings Account	1.00%	2.25%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000.00 to $999,999.99; To qualify for the YesSavings bonus interest rate ("Bonus Interest Rate") during your monthly cycle, you must deposit at least $25 per month. If you qualify for the Bonus Interest Rate, you will earn a Combined Interest Rate which is the base interest rate plus Bonus Interest Rate. If you do not qualify for the Bonus Interest Rate for a monthly cycle, the base interest rate ("Interest Rate") will apply. You may re-qualify to earn the Bonus Interest Rate in any subsequent monthly cycle by meeting the condition stated above. The rates may change after the account is opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
YesSavings Account	1.00%	2.15%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; To qualify for the YesSavings bonus interest rate ("Bonus Interest Rate") during your monthly cycle, you must deposit at least $25 per month. If you qualify for the Bonus Interest Rate, you will earn a Combined Interest Rate which is the base interest rate plus Bonus Interest Rate. If you do not qualify for the Bonus Interest Rate for a monthly cycle, the base interest rate ("Interest Rate") will apply. You may re-qualify to earn the Bonus Interest Rate in any subsequent monthly cycle by meeting the condition stated above. The rates may change after the account is opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
YesSavings Account	0.40%	1.00%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99; To qualify for the YesSavings bonus interest rate ("Bonus Interest Rate") during your monthly cycle, you must deposit at least $25 per month. If you qualify for the Bonus Interest Rate, you will earn a Combined Interest Rate which is the base interest rate plus Bonus Interest Rate. If you do not qualify for the Bonus Interest Rate for a monthly cycle, the base interest rate ("Interest Rate") will apply. You may re-qualify to earn the Bonus Interest Rate in any subsequent monthly cycle by meeting the condition stated above. The rates may change after the account is opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
YesSavings Account	0.40%	0.50%
Min Deposit $10,000 Details To qualify for the YesSavings bonus interest rate ("Bonus Interest Rate") during your monthly cycle, you must deposit at least $25 per month. If you qualify for the Bonus Interest Rate, you will earn a Combined Interest Rate which is the base interest rate plus Bonus Interest Rate. If you do not qualify for the Bonus Interest Rate for a monthly cycle, the base interest rate ("Interest Rate") will apply. You may re-qualify to earn the Bonus Interest Rate in any subsequent monthly cycle by meeting the condition stated above. The rates may change after the account is opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Business Regular Savings Rate	-	0.02%
Min Deposit $100 Details The rates may change after the account is opened. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal Regular Savings Rate	-	0.02%
Min Deposit $20 Details The rates may change after the account is opened. Last Updated 09/14/2026 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

First Hawaiian Bank’s Texas Ratio rose from 0.78% 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	1.02%	5.0	A+
September 30, 2024	$23.8B	0.85%	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	0.78%	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

2026 MBR Health & Safety Badge

First Hawaiian Bank earned the Verified Healthy badge

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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.