Hawaii CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Hawaii CD rates include Maui Teachers Federal Credit UnionMaui Teachers Federal Credit Union2145 Wells St Ste 101, Wailuku, HI 96793A+5.0 ★Texas Ratio: 0.00%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month Share Certificate SPECIAL! at 4.06% APY, Schofield Federal Credit UnionSchofield Federal Credit UnionPO Box 860669, Wahiawa, HI 96786 0669A+5.0 ★Texas Ratio: 0.11%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.00% APY, Kahuku Federal Credit UnionKahuku Federal Credit Union56 576 Kamehameha Hwy, Kahuku, HI 96731 2211D3.3 ★Texas Ratio: 36.05%Real return: +1.11%APY minus CPI (February 2026) offering 6-month CD at 3.91% APY, Garden Island Federal Credit UnionGarden Island Federal Credit Union3417 Poipu Rd # 701, Koloa, HI 96756 8517A+5.0 ★Texas Ratio: 2.39%Real return: +1.05%APY minus CPI (February 2026) offering Loyalty Share Certificates 6 Month at 3.85% APY, and Ko`olau Federal Credit UnionKo`olau Federal Credit Union6699 Mokapu Rd, KAILUA, HI 96734A+5.0 ★Texas Ratio: 3.15%Real return: +1.05%APY minus CPI (February 2026) offering IRA Certificates - 1 year (13 months) at 3.85% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Hawaii side-by-side. Hawaii CD rates currently reach as high as 4.06% APY from Maui Teachers Federal Credit Union at 2145 Wells St Ste 101, Wailuku, HI 96793. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Hawaii
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
3-Month CD
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
3-Month & 6-Month Term Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Funds must originate from another financial institution.
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
3-Month Term Certificate of Deposit (CD)
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
3-Month Term Certificate of Deposit (CD)
$50,000
2.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Balance from Another Financial Institution
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
3 month
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
Certificates 90 Days
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
3-month CD
$0
0.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
3 Month Share Certificates
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI 96793
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI 96793
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
6-month CD
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 6 Month
$10,000
3.85%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2969 Umi St, Lihue, HI 96766 1345
6-Month CD
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates 6 months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
6 Month Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
6 Month Certificates & IRA Certificates
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 6 Months CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
6 Month Share Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
6-Month (182 days) Jumbo Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
6-Month Jumbo Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
25 W Kamehameha Ave, Kahului, HI 96732 2240
6 Months Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES 6-month
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
6-Month (182 days) Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
6-Month Term Certificate of Deposit (CD)
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
3-Month & 6-Month Term Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Funds must originate from another financial institution.
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
6-Month Term Certificate of Deposit (CD)
$50,000
2.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Balance from Another Financial Institution
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
6 Month Share Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
6 month
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
IRA Certificates 6 Months
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
6 Months Share Certificates
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
Certificates 6 Months
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
6-Month Term Share Certificates and IRA Certificates
$0
1.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
6-Month Term Share Certificates and IRA Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI 96850
6 mo Certificates
$10,000
0.70%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI 96706 7000
6 Month Share Certificate
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
6-Month Term Share
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
6 months CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - 1 year (13 months)
$500
3.85%
▼
Rate3.79%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1000 Bishop St, Honolulu, HI 96813
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
12 month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
12 Month Certificates & IRA Certificates
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI 96720
1 Year
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 12 Month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
12 month IRA Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
12-Month Share Certificate Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates 12 months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
1-Year (365 days) Jumbo Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
12 Month Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 12 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
IRA Certificates 12 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum balance to open certificate is $500. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
12 Month Share Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
1 Year Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES 1-year
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
1-Year Add-On (365 days)
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
1-Year Add-On (365 days) Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
12-Month CD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
12-Month eCD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
You must open this account online.
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
12-Month Term Share Certificates and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
1 Year
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
1 Year Share Certificates
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 1-Year
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 1-Year
$2,500
3.00%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 12 Months CD Special
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
12-Month Term Share Certificates and IRA Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI 96720
Certificate - 1 year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
12-Month Term Certificate of Deposit (CD)
$50,000
2.90%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
Budget 12 month
$200
2.75%
▼
Rate2.72%
Min Deposit$200
Min Balance—
UpdatedMay 6, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
300 N Beretania St, Honolulu, HI 96817
12-Month Term Certificate of Deposit (CD)
$50,000
2.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Balance from Another Financial Institution
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
IRA Certificates 12 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $500
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
Certificates 12 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
12-Month Business Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
12 Months Share Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
IRA Certificates 12 Months
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
1-year CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI 96793
1 Year Share Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI 96706 7000
12 Month Share Certificate
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
IRA 1 year certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
1 Year Share Certificate
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
12-Month Term Share
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $49,000.00
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
12 months CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
18 month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
18 Months Certificates & IRA Certificates
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
18 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
18-Month Term Share Certificates and IRA Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
18-Month CD
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 18 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
18-Month Term Share Certificates and IRA Certificates
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI 96793
18 Month Share Certificate SPECIAL
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
18 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
18 Month Share Certificates
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
18-Month Business Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
Certificates 18 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
IRA Certificates 18 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $500
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
18-Month Jump Start Add-On Share Certificate
$0
1.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
18-Month (547 days) Share Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
18-Month Income (547 days) Share Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI 96850
18 mo Certificates
$10,000
1.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
18 months CD
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
24 month IRA Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI 96720
2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
IRA Certificates 2 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum balance to open certificate is $500. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 2 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
24-Month Term Share Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates 2 years
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
24 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
24-Month eCD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
You must open this account online.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
24 month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
2 Year Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
24 Month Certificates & IRA Certificates
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
2 Year Share Certificates
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - 2 years
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
24-Month Term Share Certificates and IRA Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
2 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES 2-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
24 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 24 Month
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
24-Month Business Certificate
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
24 Month Share Certificates
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1244 Kaumualii St, Honolulu, HI 96817
Certificates 24 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
24 Months Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
IRA Certificates 24 Months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 2-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 2-Year
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
2-Year (730 days) Share Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
Business Certificate 2-Year (730 days)
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
91 1202 Renton Rd # A, Ewa Beach, HI 96706 7000
24 Month Share Certificate
$1,000
0.90%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
IRA 2 year certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
2 Year Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
24-Month Term Share
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
2 years CD
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
3 Year Share Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
36 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 3 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
36-Month Term Share Certificates and IRA Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
24 or 36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
36-Month Term Share Certificates and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
3 Year Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
36 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES 3-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 36 Month
$10,000
2.93%
▼
Rate2.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
IRA Certificates 36 Months
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
36 Months Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
36 Months Certificates & IRA Certificates
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
36 Month Share Certificates
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
36 Month Share Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
36-Month Business Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - 3 years
$500
1.65%
▼
Rate1.64%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 3-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 3-Year
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates 3 years
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
3-Year (1,095 days) Share Certificate
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
3-Year IRA (1,095 days)
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
3-Year Roth IRA (1,095 days)
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
36-Month Term Share
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
3 years CD
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
48 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
48-Month Term Share Certificates and IRA Certificates
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 4 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
48-Month Term Share Certificates and IRA Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 48 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
4 Year Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
48 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES 4-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
48 Month Share Certificates
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
48 Months Certificates & IRA Certificates
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
48 Months Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates 4 years
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - 4 years
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 4-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 4-Year
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
48-Month Term Share
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
4 years CD
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
60 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
60-Month Term Share Certificates and IRA Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificates 5 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1164 Bishop St, Honolulu, HI 96813
48 or 60-Month CD
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
60-Month Term Share Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates 60 Month
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
5 Year Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
73 5611 Olowalu St, Kailua Kona, HI 96740 2689
60 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
IRA 60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES 5-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
60 Month Share Certificates
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Building 553, Fort Shafter, HI 96858
5 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
60 Months Certificates & IRA Certificates
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1138 N King St, Honolulu, HI 96817
60 Months Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - 5 years
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates 5 years
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 5-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate 5-Year
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
5-Year (1,825 days) Share Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
5-Year IRA (1,825 days)
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1226 College Walk, Honolulu, HI 96817
5-Year Roth IRA (1,825 days)
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
60-Month Term Share
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
5 years CD
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Hawaii at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- Hawaii CD rates currently reach as high as 4.06% APY from Maui Teachers Federal Credit Union. The rate table above ranks every offer we track for Hawaii, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Hawaii CD Rate Trends
Compare local Hawaii CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — HI Avg
2.836%
▼ 0.039 vs 7 days ago
Hawaii 12-month CD rates fell 0.039 points over the past 7 days to 2.836% APY.
6-Month CD — HI Avg
2.786%
▼ 0.031 vs 7 days ago
Hawaii 6-month CD rates fell 0.031 points over the past 7 days to 2.786% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
HI CD Rate Forecast — Next 12 Months
Where are Hawaii CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
HI 12-Month Avg APY
2.836%
6-Month Forecast
2.836%
Range: 2.64% – 2.99%
12-Month Forecast
2.586%
Range: 2.39% – 2.74%
Powered by
MonitorBankRates
What Your Savings Earn at HI CD Rates Today
Annual interest earnings at today’s Hawaii average APYs. State average used where available; national average as fallback.
| CD Term | HI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.728% | $136.41 | $272.81 | $682.03 | $1,364.05 |
| 6-Month CD | 2.786% | $139.32 | $278.63 | $696.58 | $1,393.15 |
| 12-Month CD | 2.836% | $141.78 | $283.56 | $708.90 | $1,417.80 |
| 18-Month CD | 2.255% | $112.76 | $225.51 | $563.78 | $1,127.55 |
| 24-Month CD | 2.348% | $117.42 | $234.84 | $587.10 | $1,174.20 |
| 36-Month CD | 2.088% | $104.39 | $208.77 | $521.93 | $1,043.85 |
| 48-Month CD | 2.399% | $119.96 | $239.91 | $599.78 | $1,199.55 |
| 60-Month CD | 2.011% | $100.54 | $201.07 | $502.68 | $1,005.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Hawaii Savers
$25,000 split equally across 5 terms using today’s Hawaii average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | HI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.728% | $136.41 |
| 2 | 6-Month CD | $5,000 | 2.786% | $139.32 |
| 3 | 12-Month CD | $5,000 | 2.836% | $141.78 |
| 4 | 24-Month CD | $5,000 | 2.348% | $117.42 |
| 5 | 36-Month CD | $5,000 | 2.088% | $104.39 |
| Total ($25,000 invested) | $25,000 | 2.557% blended | $639.32/yr | |
Ladder example uses equal $5,000 rungs and Hawaii average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
200
CD Rates
Tracked in Hawaii
Tracked in Hawaii
5 Banks
26 Credit Unions
About Our Hawaii CD Rate Database
MonitorBankRates tracks 200 CD rates from 5 banks and 26 credit unions with locations in Hawaii, plus national online institutions available to Hawaii residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Maui Teachers Federal Credit Union offers a CD at 4.06% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Hawaii.
How to Find the Best CD Rates in Hawaii
What to compare when shopping for a CD in Hawaii
To find the best APYs in Hawaii, start with credit unions and online-only banks — Hawaii has 26 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Hawaii
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Hawaii — 31 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Hawaii savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Hawaii money market rates
Hawaii Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
20.5%
National avg: 17.3%
Median Individual Earnings
$48,182
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$137/yr
At HI 12-mo avg 2.836% APY
20.5% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s HI 12-month CD average of 2.836%, saving 10% of the local median salary ($4,818/year) and putting it in a CD would earn an additional $137 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Hawaii
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Hawaii
Are CD rates in Hawaii FDIC insured?
Yes, most established banks in Hawaii are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Hawaii?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Hawaii.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Hawaii may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Hawaii?
Here are recent top rates found for this area:
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
- Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
- Kahuku Federal Credit Union: 3.91% APY (6-month CD)
- Garden Island Federal Credit Union: 3.85% APY (Loyalty Share Certificates 6 Month)
- Ko`olau Federal Credit Union: 3.85% APY (IRA Certificates - 1 year (13 months))
- Kauai Teachers Federal Credit Union: 3.81% APY (6-Month CD)
- Bank of Hope: 3.80% APY (12-month CD)
- Hawaii Community Federal Credit Union: 3.75% APY (12 month)
- CU Hawaii Federal Credit Union: 3.70% APY (12 Month Certificates & IRA Certificates)
- Hawaii County Employees Federal Credit Union: 3.60% APY (1 Year)
Rates reflect recent verified offers available in Hawaii. Last Updated: May 12, 2026
CD Calculators for Hawaii
Hawaii CD Calculator
At today’s HI top rate of 4.06% APY, a $10,000 deposit earns $406 in the first year. Enter your amount to see your exact return.
Hawaii CD LadderHI CD rates currently range from 2.728% (3-month) to 2.088% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hawaii CD at 4.06% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsHawaii’s average 12-month CD is 2.836% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hawaii directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Hawaii. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in HI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 12, 2026
Cities in Hawaii
Rate Assistant
MonitorBankRates.com · Live Data
Try asking