MonitorBankRates
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
CD Rate Trends

Hawaii Best CD Rates September 2026

Current Hawaii CD rates include Big Island Federal Credit UnionBig Island Federal Credit Union16 594 Kipimana St, Keaau, HI 96749 8021A+5.0 ★Texas Ratio: 0.82%Real return: +1.53%APY minus CPI (February 2026) offering Term Share Certificate - 5 Years at 4.33% APY, Hawaii Federal Credit UnionHawaii Federal Credit Union1244 Kaumualii St, Honolulu, HI 96817A+5.0 ★Texas Ratio: 1.07%Real return: +1.30%APY minus CPI (February 2026) offering 12-Month CD at 4.10% APY, Schofield Federal Credit UnionSchofield Federal Credit UnionPO Box 860669, Wahiawa, HI 96786 0669A+5.0 ★Texas Ratio: 0.23%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.00% APY, Gather Federal Credit UnionGather Federal Credit Union4493 Pahee St, Lihue, HI 96766A+5.0 ★Texas Ratio: 4.01%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month Share Certificate at 4.00% APY, and Ko`olau Federal Credit UnionKo`olau Federal Credit Union6699 Mokapu Rd, KAILUA, HI 96734A+5.0 ★Texas Ratio: 0.39%Real return: +1.05%APY minus CPI (February 2026) offering IRA Certificates - (Traditional, Roth, Educational) - 1 year (13 months) at 3.85% APY. CD rates as of September 21, 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 4.33% APY from Big Island Federal Credit Union at 16 594 Kipimana St, Keaau, HI 96749 8021. Rates are continually updated, so 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: September 21, 2026

Compare Best CD Rates in Hawaii

Hawaii 3 Month CD Rates

MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week

The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Bankohana New Money Special CD
$5,000
3.20% ▲ 1.14% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.14% above avg
Details

Must be opened in-branch with $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular Promo CD
$100,000
3.20% ▲ 1.14% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.14% above avg
Details

Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular Promo CD
$25,000
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.09% above avg
Details

Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit.

Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
3 Month Short Term CD Specials
$1,000
3.15% ▲ 1.09% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.09% above avg
Details

This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
3-month CD
$1,000
3.00% ▲ 0.94% above national avg
Rate2.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.94% above avg
Details

Priority CD APY: 3.00%

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular CD
$100,000
2.90% ▲ 0.84% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.84% above avg
Details

Must be opened in-branch with a qualifying deposit of $100,000 or more.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular New Money Special CD
$100,000
2.90% ▲ 0.84% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.84% above avg
Details

Must be opened in-branch with a qualifying deposit of $100,000 or more.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular New Money Special CD
$2,500
2.80% ▲ 0.74% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.74% above avg
Details

Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular CD
$2,500
2.70% ▲ 0.64% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.64% above avg
Details

Must be opened in-branch with $2,500 or more.

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
3 Month Share Certificate
$1,000
0.50% ▼ 1.56% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.56% below avg
Details

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
30-90 Days CD
$100,000
0.10% ▼ 1.96% below national avg
Rate0.05%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.96% below avg
Details

Priority CD APY: 0.10%

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
30-90 Days CD
$1,000
0.08% ▼ 1.98% below national avg
Rate0.03%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.98% below avg
Details

Priority CD APY: 0.08%

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
32 - 90 day Jumbo CD
$100,000
0.03% ▼ 2.03% below national avg
Rate0.03%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.03% below avg
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
32 - 90 day CD
$500
0.01% ▼ 2.05% below national avg
Rate0.01%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.05% below avg
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
91 - 180 day CD (3 months to less than 6 months)
$500
0.01% ▼ 2.05% below national avg
Rate0.01%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.05% below avg
Details

Hawaii 6 Month CD Rates

MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week

The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
6 Month Share Certificate
$1,000
4.00% ▲ 1.23% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.23% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
6 Month Loyalty Share Certificates
$10,000
3.85% ▲ 1.08% above national avg
Rate3.80%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 1.08% above avg
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificate - 6 months
$1,000
3.75% ▲ 0.98% above national avg
Rate3.70%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
25 W Kamehameha Ave, Kahului, HI 96732 2240
6 Month Share Certificate
$0
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
681 S King St, Honolulu, HI 96813 3016
6 Month Share Certificate
$1,000
3.75% ▲ 0.98% above national avg
Rate3.69%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.98% above avg
Details

Dividends Compounded & Credited MONTHLY

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
6 Month Jumbo Share Certificates
$100,000
3.70% ▲ 0.93% above national avg
Rate3.65%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.93% above avg
Details

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 6 Months
$500
3.56% ▲ 0.79% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.79% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. 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: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
6 Month Share Certificates
$500
3.55% ▲ 0.78% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.78% above avg
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI 96817
6-Month Jumbo Share Certificate
$0
3.50% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.73% above avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
6 Months CD Special
$0
3.50% ▲ 0.73% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
6 Month Certificates
$0
3.50% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
6 Month IRA Certificates
$0
3.50% ▲ 0.73% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.73% above avg
Details

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month CD
$150,000
3.25% ▲ 0.48% above national avg
Rate3.20%
Min Deposit$150,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.48% above avg
Details

Priority CD APY: 3.25%

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1226 College Walk, Honolulu, HI 96817
6-Month Share Certificate
$0
3.25% ▲ 0.48% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.77%▲ 0.48% above avg
Details

Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
6 Month Short Term CD Specials
$1,000
3.20% ▲ 0.43% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.43% above avg
Details

This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month CD
$75,000
3.15% ▲ 0.38% above national avg
Rate3.10%
Min Deposit$75,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.38% above avg
Details

Priority CD APY: 3.15%

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Bankohana New Money Special CD
$5,000
3.05% ▲ 0.28% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details

Must be opened in-branch with $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular Promo CD
$100,000
3.05% ▲ 0.28% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.28% above avg
Details

Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit.

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month CD
$1,000
3.05% ▲ 0.28% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.28% above avg
Details

Priority CD APY: 3.05%

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month Online CD
$1,000
3.05% ▲ 0.28% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.28% above avg
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).

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
Exceptional CD Special 6 months
$20,000
3.00% ▲ 0.23% above national avg
Rate3.00%
Min Deposit$20,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
Exceptional Preferred IRA - 6 month
$20,000
3.00% ▲ 0.23% above national avg
Rate3.00%
Min Deposit$20,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.23% above avg
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular Promo CD
$25,000
2.95% ▲ 0.18% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.18% above avg
Details

Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit.

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
6 Month Share Certificate
$500
2.75% ▼ 0.02% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.02% below avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
6 Month Certificate
$0
2.70% ▼ 0.07% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.07% below avg
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular CD
$100,000
2.60% ▼ 0.17% below national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.17% below avg
Details

Must be opened in-branch with a qualifying deposit of $100,000 or more.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular New Money Special CD
$2,500
2.60% ▼ 0.17% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.17% below avg
Details

Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular CD
$2,500
2.35% ▼ 0.42% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.42% below avg
Details

Must be opened in-branch with $2,500 or more.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Jumbo New Money Special CD
$100,000
1.75% ▼ 1.02% below national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.02% below avg
Details

Earn 1.75% APY and get 60,000 Atmos Rewards points with our 6-month Jumbo New Money Special CD. Points will be awarded to the recipient within 60 days of opening a Hawaiian Airlines Jumbo New Money Special CD unless there are discrepancies in identifying the correct Atmos Rewards account number that should be credited. Offer subject to change without notice. You will receive a 1099 for the value of the points. The current estimated value for 60,000 points is $600. Please review the Hawaiian Airlines CD Special rate sheet for full terms and conditions.

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
6 Months Share Certificate
$500
1.50% ▼ 1.27% below national avg
Rate1.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.27% below avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 6 Months
$500
1.50% ▼ 1.27% below national avg
Rate1.49%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.27% below avg
Details

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
135 Puali Place, Kaunakakai, HI 96748
6 Month Share Certificate
$0
1.00% ▼ 1.77% below national avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.77% below avg
Details

Dividends Compounded/Credited: Quarterly

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month Online CD
$1,000
0.06% ▼ 2.71% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 2.71% below avg
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).

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
91 - 180 day Jumbo CD
$100,000
0.03% ▼ 2.74% below national avg
Rate0.03%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.74% below avg
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
181 - 364 day CD (6 months to less than 1 year)
$500
0.02% ▼ 2.75% below national avg
Rate0.02%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.75% below avg
Details

Hawaii 12 Month CD Rates

MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week

The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.07%
1244 Kaumualii St, Honolulu, HI 96817
12-Month CD
$0
4.10% ▲ 1.15% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.95%▲ 1.15% above avg
Details

Special rate for a limited time. Rates are subject to change without notice. Membership eligibility is required.

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - (Traditional, Roth, Educational) - 1 year (13 months)
$500
3.85% ▲ 0.90% above national avg
Rate3.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.90% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
12 Month IRA Certificate
$500
3.82% ▲ 0.87% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. 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: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 12 Months
$500
3.82% ▲ 0.87% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.87% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
1 Year IRA Share Certificate
$500
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
1 Year Roth Conversion IRA Share Certificate
$500
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
1 Year Roth IRA Share Certificate
$500
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
1 Year Share Certificate
$1,000
3.75% ▲ 0.80% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details

Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
25 W Kamehameha Ave, Kahului, HI 96732 2240
1 Year Share Certificate
$0
3.75% ▲ 0.80% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
12 Month Certificates
$0
3.70% ▲ 0.75% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
12 Month IRA Certificates
$0
3.70% ▲ 0.75% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.75% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
12 Month Loyalty Share Certificates
$10,000
3.60% ▲ 0.65% above national avg
Rate3.55%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.65% above avg
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month IRA Share Certificate
$500
3.50% ▲ 0.55% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details

IRA

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month Share Certificate Special
$500
3.50% ▲ 0.55% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details

**

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificate - 12 months
$1,000
3.50% ▲ 0.55% above national avg
Rate3.46%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
12 Month Jumbo Share Certificates
$100,000
3.44% ▲ 0.49% above national avg
Rate3.40%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.49% above avg
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
12 Month Bankohana New Money Special CD
$5,000
3.40% ▲ 0.45% above national avg
Rate
Min Deposit$5,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.45% above avg
Details

Must be opened in-branch with $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
12 Month Regular Promo CD
$25,000
3.30% ▲ 0.35% above national avg
Rate
Min Deposit$25,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.35% above avg
Details

Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit.

Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
12 Month Short Term CD Specials
$1,000
3.30% ▲ 0.35% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.35% above avg
Details

This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
12 Month Share Certificates
$500
3.29% ▲ 0.34% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.34% above avg
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month Share Certificate
$500
3.25% ▲ 0.30% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
681 S King St, Honolulu, HI 96813 3016
12 Month Share Certificate
$500
3.25% ▲ 0.30% above national avg
Rate3.21%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.30% above avg
Details

Dividends Compounded & Credited MONTHLY

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
1 Year IRA Certificate
$1,000
3.00% ▲ 0.05% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.05% above avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
1-Year Share Certificate
$2,500
3.00% ▲ 0.05% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.05% above avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
12 Months CD Special
$0
3.00% ▲ 0.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.05% above avg
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
1 Year Share Certificate
$1,000
3.00% ▲ 0.05% above national avg
Rate3.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
1 Year Certificate
$0
2.90% ▼ 0.05% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.05% below avg
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
12 Month Regular CD
$100,000
2.90% ▼ 0.05% below national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.05% below avg
Details

Must be opened in-branch with a qualifying deposit of $100,000 or more.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
12 Month Regular New Money Special CD
$2,500
2.90% ▼ 0.05% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.05% below avg
Details

Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account.

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
12-month CD
$1,000
2.90% ▼ 0.05% below national avg
Rate2.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.05% below avg
Details

Priority CD APY: 2.90%

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
12-month IRA CD
$1,000
2.90% ▼ 0.05% below national avg
Rate2.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.05% below avg
Details

Priority CD APY: 2.90%

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
12-month Online CD
$1,000
2.90% ▼ 0.05% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.05% below avg
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).

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
1 Year IRA Certificates
$0
2.80% ▼ 0.15% below national avg
Rate2.76%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.15% below avg
Details

Term: 1 Year IRA Certificate; $1,000 minimum balance to open

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
12 Month Regular CD
$2,500
2.20% ▼ 0.75% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.75% below avg
Details

Must be opened in-branch with $2,500 or more.

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
12 Month Certificate of Deposit
$500
2.00% ▼ 0.95% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 0.95% below avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
12 Months Share Certificate
$500
2.00% ▼ 0.95% below national avg
Rate2.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.95% below avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 12 Months
$500
2.00% ▼ 0.95% below national avg
Rate1.98%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.95% below avg
Details

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
135 Puali Place, Kaunakakai, HI 96748
1 Year Share Certificate
$0
1.50% ▼ 1.45% below national avg
Rate1.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 1.45% below avg
Details

Dividends Compounded/Credited: Quarterly

Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI 96797
12 Months Certificate
$0
1.25% ▼ 1.70% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.95%▼ 1.70% below avg
Details

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
12-month Online CD
$1,000
0.10% ▼ 2.85% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 2.85% below avg
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).

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
12 Month Certificate
$1,000
0.08% ▼ 2.87% below national avg
Rate0.08%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.87% below avg
Details

Minimum End-of-Term Balance: $5,000

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
1 year IRA
$500
0.04% ▼ 2.91% below national avg
Rate0.04%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.91% below avg
Details

Hawaii 18 Month CD Rates

MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week

The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 18 Months
$500
3.82% ▲ 1.00% above national avg
Rate3.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.00% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
681 S King St, Honolulu, HI 96813 3016
18 Month Share Certificate
$500
3.29% ▲ 0.47% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.47% above avg
Details

Dividends Compounded & Credited MONTHLY

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
18 Month Share Certificate
$500
3.25% ▲ 0.43% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.43% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
18 Month Certificates
$0
3.25% ▲ 0.43% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
18 Month IRA Certificates
$0
3.25% ▲ 0.43% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.43% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
18 Month Loyalty Share Certificates
$10,000
3.09% ▲ 0.27% above national avg
Rate3.05%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.27% above avg
Details

Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
25 W Kamehameha Ave, Kahului, HI 96732 2240
18 Month Share Certificate
$0
3.00% ▲ 0.18% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.82%▲ 0.18% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
18 Month Jumbo Share Certificates
$100,000
2.93% ▲ 0.11% above national avg
Rate2.90%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 0.11% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
18 Month Certificate
$0
2.90% ▲ 0.08% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.08% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
18 Month Share Certificates
$500
2.78% ▼ 0.04% below national avg
Rate2.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.04% below avg
Details

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
18-month Online CD
$1,000
0.12% ▼ 2.70% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 2.70% below avg
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).

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
18 Month Certificate
$1,000
0.08% ▼ 2.74% below national avg
Rate0.08%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.74% below avg
Details

Minimum End-of-Term Balance: $5,000

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
18 month Variable Rate IRA
$25
0.04% ▼ 2.78% below national avg
Rate0.04%
Min Deposit$25
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.78% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
18 Month Certificate of Deposit
$500
0.02% ▼ 2.80% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 2.80% below avg
Details

Hawaii 24 Month CD Rates

MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week

The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
2 Year IRA Certificate
$500
4.07% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.23% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. 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: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 2 Years
$500
4.07% ▲ 1.23% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.23% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
24 Month IRA Share Certificate
$500
3.75% ▲ 0.91% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.91% above avg
Details

IRA

Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
24 Month Long Term CD Specials
$1,000
3.40% ▲ 0.56% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.56% above avg
Details

This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
681 S King St, Honolulu, HI 96813 3016
24 Month Share Certificate
$500
3.34% ▲ 0.50% above national avg
Rate3.30%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.50% above avg
Details

Dividends Compounded & Credited MONTHLY

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
24 Month Share Certificate
$500
3.25% ▲ 0.41% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificate - 2 years
$1,000
3.25% ▲ 0.41% above national avg
Rate3.21%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.41% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
24 Month Certificates
$0
3.25% ▲ 0.41% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
24 Month IRA Certificates
$0
3.25% ▲ 0.41% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.41% above avg
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
2 Year Share Certificate
$1,000
3.25% ▲ 0.41% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
2 Year Certificate
$0
3.20% ▲ 0.36% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
2 Year IRA Certificates
$0
3.10% ▲ 0.26% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details

Term: 2 Year IRA Certificate; $1,000 minimum balance to open

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - (Traditional, Roth, Educational) - 2 years
$500
3.10% ▲ 0.26% above national avg
Rate3.06%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.26% above avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
25 W Kamehameha Ave, Kahului, HI 96732 2240
2 Year Share Certificate
$0
3.00% ▲ 0.16% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
24 Month Loyalty Share Certificates
$10,000
2.83% ▼ 0.01% below national avg
Rate2.80%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.01% below avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
24 Month Jumbo Share Certificates
$100,000
2.68% ▼ 0.16% below national avg
Rate2.65%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.16% below avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
24 Month Share Certificates
$500
2.52% ▼ 0.32% below national avg
Rate2.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.32% below avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
24 Months Share Certificate
$500
2.50% ▼ 0.34% below national avg
Rate2.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 24 Months
$500
2.50% ▼ 0.34% below national avg
Rate2.47%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.34% below avg
Details

Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
94 449 Ukee St, Waipahu, HI 96797
24 Months Certificate
$0
2.00% ▼ 0.84% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 16, 2026
National Average2.84%▼ 0.84% below avg
Details

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
135 Puali Place, Kaunakakai, HI 96748
2 Year Share Certificate
$0
2.00% ▼ 0.84% below national avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.84% below avg
Details

Dividends Compounded/Credited: Quarterly

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
2 Year Share Certificate
$1,000
1.75% ▼ 1.09% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.09% below avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
2 Year IRA Certificate
$1,000
1.50% ▼ 1.34% below national avg
Rate1.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.34% below avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
2-Year Share Certificate
$2,500
1.50% ▼ 1.34% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.34% below avg
Details

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
24-month Online CD
$1,000
0.13% ▼ 2.71% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 2.71% below avg
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).

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
2 year IRA
$100
0.06% ▼ 2.78% below national avg
Rate0.06%
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.78% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
2 Year Certificate of Deposit
$500
0.05% ▼ 2.79% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 2.79% below avg
Details

Hawaii 36 Month CD Rates

MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week

The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 3 Years
$500
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.31% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
36 Month Long Term CD Specials
$1,000
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details

This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
36 Month Share Certificate
$500
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details

HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
3 Year Share Certificate
$1,000
3.50% ▲ 0.74% above national avg
Rate3.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
3 Year Certificate
$0
3.20% ▲ 0.44% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.44% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
3 Year IRA Certificates
$0
3.10% ▲ 0.34% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.34% above avg
Details

Term: 3 Year IRA Certificate; $1,000 minimum balance to open

Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
25 W Kamehameha Ave, Kahului, HI 96732 2240
3 Year Share Certificate
$0
3.00% ▲ 0.24% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.24% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
36 Month Loyalty Share Certificates
$10,000
2.93% ▲ 0.17% above national avg
Rate2.90%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.17% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
36 Month Jumbo Share Certificates
$100,000
2.78% ▲ 0.02% above national avg
Rate2.75%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.02% above avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
36 Months Share Certificate
$500
2.75% ▼ 0.01% below national avg
Rate2.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.01% below avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 36 Months
$500
2.75% ▼ 0.01% below national avg
Rate2.72%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.01% below avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
36 Month Certificates
$0
2.75% ▼ 0.01% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.01% below avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
36 Month IRA Certificates
$0
2.75% ▼ 0.01% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.01% below avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
36 Month Share Certificates
$500
2.68% ▼ 0.08% below national avg
Rate2.65%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 0.08% below avg
Details

Molokai Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
135 Puali Place, Kaunakakai, HI 96748
3 Year Share Certificate
$0
2.50% ▼ 0.26% below national avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.26% below avg
Details

Dividends Compounded/Credited: Quarterly

Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
4493 Pahee St, Lihue, HI 96766
3 Year Share Certificate
$1,000
2.00% ▼ 0.76% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.76% below avg
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - (Traditional, Roth, Educational) - 3 years
$500
1.65% ▼ 1.11% below national avg
Rate1.64%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 1.11% below avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificate - 3 years
$1,000
1.50% ▼ 1.26% below national avg
Rate1.49%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 1.26% below avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
3 Year IRA Certificate
$1,000
1.50% ▼ 1.26% below national avg
Rate1.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 1.26% below avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
3-Year Share Certificate
$2,500
1.50% ▼ 1.26% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 1.26% below avg
Details

First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
36-month Online CD
$1,000
0.15% ▼ 2.61% below national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 2.61% below avg
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).

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
36 Month Certificate
$1,000
0.13% ▼ 2.63% below national avg
Rate0.13%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.63% below avg
Details

Minimum End-of-Term Balance: $5,000

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
3 year IRA
$100
0.08% ▼ 2.68% below national avg
Rate0.08%
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.68% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
3 Year Certificate of Deposit
$500
0.05% ▼ 2.71% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details

Hawaii 48 Month CD Rates

MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week

The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 4 Years
$500
4.07% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.30% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
48 Month Share Certificate
$500
3.75% ▲ 0.98% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.98% above avg
Details

Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
48 Month Long Term CD Specials
$1,000
3.60% ▲ 0.83% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.83% above avg
Details

This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
4 Year Certificate
$0
3.20% ▲ 0.43% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.43% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
4 Year IRA Certificates
$0
3.10% ▲ 0.33% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.33% above avg
Details

Term: 4 Year IRA Certificate; $1,000 minimum balance to open

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
48 Month Loyalty Share Certificates
$10,000
3.09% ▲ 0.32% above national avg
Rate3.05%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.32% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
48 Month Jumbo Share Certificates
$100,000
2.93% ▲ 0.16% above national avg
Rate2.90%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.16% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
48 Month Share Certificates
$500
2.83% ▲ 0.06% above national avg
Rate2.80%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.06% above avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
48 Months Share Certificate
$500
2.75% ▼ 0.02% below national avg
Rate2.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.02% below avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
48 Month Certificates
$0
2.75% ▼ 0.02% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.02% below avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
48 Month IRA Certificates
$0
2.75% ▼ 0.02% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 0.02% below avg
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificate - 4 years
$1,000
1.90% ▼ 0.87% below national avg
Rate1.89%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.87% below avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - (Traditional, Roth, Educational) - 4 years
$500
1.75% ▼ 1.02% below national avg
Rate1.74%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.02% below avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
4 Year IRA Certificate
$1,000
1.00% ▼ 1.77% below national avg
Rate1.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.77% below avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
4-Year Share Certificate
$2,500
1.00% ▼ 1.77% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 1.77% below avg
Details

First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
4 Year Certificate of Deposit
$500
0.15% ▼ 2.62% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.62% below avg
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
4 year IRA
$100
0.08% ▼ 2.69% below national avg
Rate0.08%
Min Deposit$100
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.69% below avg
Details

Hawaii 60 Month CD Rates

MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week

The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
16 594 Kipimana St, Keaau, HI 96749 8021
Term Share Certificate - 5 Years
$500
4.33% ▲ 1.49% above national avg
Rate4.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.49% above avg
Details

Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
PO Box 860669, Wahiawa, HI 96786 0669
60 Month Share Certificate
$500
4.00% ▲ 1.16% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
5 Year Certificate
$0
3.20% ▲ 0.36% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.36% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
60 Month Loyalty Share Certificates
$10,000
3.19% ▲ 0.35% above national avg
Rate3.15%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.35% above avg
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
Building 553, Fort Shafter, HI 96858
5 Year IRA Certificates
$0
3.10% ▲ 0.26% above national avg
Rate3.06%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.26% above avg
Details

Term: 5 Year IRA Certificate; $1,000 minimum balance to open

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
60 Month Jumbo Share Certificates
$100,000
3.03% ▲ 0.19% above national avg
Rate3.00%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.19% above avg
Details

Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.14%
25 W Kamehameha Ave, Kahului, HI 96732 2240
5 Year Share Certificate
$0
3.00% ▲ 0.16% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
60 Month Share Certificates
$500
2.93% ▲ 0.09% above national avg
Rate2.90%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 0.09% above avg
Details

Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
1138 N King St, Honolulu, HI 96817
60 Months Share Certificate
$500
2.75% ▼ 0.09% below national avg
Rate2.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 0.09% below avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
60 Month Certificates
$0
2.75% ▼ 0.09% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.09% below avg
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
60 Month IRA Certificates
$0
2.75% ▼ 0.09% below national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.09% below avg
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - (Traditional, Roth, Educational) - 5 years
$500
2.25% ▼ 0.59% below national avg
Rate2.23%
Min Deposit$500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.59% below avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificate - 5 years
$1,000
2.10% ▼ 0.74% below national avg
Rate2.08%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.74% below avg
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
681 S King St, Honolulu, HI 96813 3016
60 Month Share Certificate
$500
1.51% ▼ 1.33% below national avg
Rate1.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.33% below avg
Details

Dividends Compounded & Credited MONTHLY

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
5 Year IRA Certificate
$1,000
1.00% ▼ 1.84% below national avg
Rate1.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.84% below avg
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
5-Year Share Certificate
$2,500
1.00% ▼ 1.84% below national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.84% below avg
Details

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.

Top CD Rates from Hawaii Institutions

Highest verified APYs available today, updated September 21, 2026

B Top 5 Bank Rates
Finance Factors
48 Month Long Term CD Specials
A 5.0 ★ TX: 12.80%
Min: $1,000
3.60%
HAWAIIAN ELECTRIC EMPLOYEES
3 Year Share Certificate
A+ 5.0 ★ TX: 2.83%
Min: $1,000
3.50%
Bank of Hawaii
12 Month Bankohana New Money Special CD
A+ 5.0 ★ TX: 1.43%
Min: $5,000
3.40%
First Hawaiian Bank
6-month CD
A+ 5.0 ★ TX: 1.55%
Min: $150,000
3.25%
Central Pacific Bank
Exceptional CD Special 6 months
A+ 5.0 ★ TX: 2.64%
Min: $20,000
3.00%
CU Top 5 Credit Union Rates
Big Island Federal Credit Union
Term Share Certificate - 5 Years
A+ 5.0 ★ TX: 0.82%
Min: $500
4.33%
Hawaii Federal Credit Union
12-Month CD
A+ 5.0 ★ TX: 1.07%
Min: $0
4.10%
Schofield Federal Credit Union
60 Month Share Certificate
A+ 5.0 ★ TX: 0.23%
Min: $500
4.00%
Gather Federal Credit Union
6 Month Share Certificate
A+ 5.0 ★ TX: 4.01%
Min: $1,000
4.00%
Ko`olau Federal Credit Union
IRA Certificates - (Traditional, Roth, Educational) - 1 year (13 months)
A+ 5.0 ★ TX: 0.39%
Min: $500
3.85%
Rates verified September 21, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

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.

View Full Hawaii CD Trends
12-Month CD HI Avg
2.952%
▲ 0.030 vs 7 days ago

Hawaii 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.

6-Month CD HI Avg
2.767%
▲ 0.021 vs 7 days ago

Hawaii 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.

As of Sep 22, 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 September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

HI 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Hawaii average 12-month CD APY in our database.

Spread model: The Hawaii 12-month CD average currently trades 1.42% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 2.065% $103.23 $206.46 $516.15 $1,032.30
6-Month CD 2.767% $138.33 $276.65 $691.63 $1,383.25
12-Month CD 2.952% $147.58 $295.15 $737.88 $1,475.75
18-Month CD 2.818% $140.91 $281.82 $704.55 $1,409.10
24-Month CD 2.841% $142.07 $284.14 $710.35 $1,420.70
36-Month CD 2.765% $138.25 $276.49 $691.23 $1,382.45
48-Month CD 2.770% $138.48 $276.97 $692.43 $1,384.85
60-Month CD 2.844% $142.22 $284.44 $711.10 $1,422.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 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.

Build Your Ladder
Rung Term Deposit HI Avg APY Annual Earnings
1 3-Month CD $5,000 2.065% $103.23
2 6-Month CD $5,000 2.767% $138.33
3 12-Month CD $5,000 2.952% $147.58
4 24-Month CD $5,000 2.841% $142.07
5 36-Month CD $5,000 2.765% $138.25
Total ($25,000 invested) $25,000 2.678% blended $669.46/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.

190
CD Rates
Tracked in Hawaii
6 Banks 15 Credit Unions

About Our Hawaii CD Rate Database

MonitorBankRates tracks 190 CD rates from 6 banks and 15 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: Big Island Federal Credit Union offers a CD at 4.33% APY with a minimum deposit of $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 15 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: 21 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Hawaii savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare 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
$142/yr
At HI 12-mo avg 2.952% 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 2.952%, saving 10% of the local median salary ($4,818/year) and putting it in a CD would earn an additional $142 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

How Certificates of Deposit Work in Hawaii

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Hawaii typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Hawaii as everywhere in the U.S.

Choosing a CD Term in Hawaii

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Hawaii savers easier access to their funds. For example, Gather Federal Credit Union is offering its 6 Month Share Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Big Island Federal Credit Union is offering its Term Share Certificate - 5 Years at 4.33% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Hawaii Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Hawaii saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Hawaii

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Hawaii CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Hawaii

Most CDs carry a fixed rate that is locked for the entire term, protecting a Hawaii depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

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:
  • Big Island Federal Credit Union: 4.33% APY (Term Share Certificate - 5 Years)
  • Hawaii Federal Credit Union: 4.10% APY (12-Month CD)
  • Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
  • Gather Federal Credit Union: 4.00% APY (6 Month Share Certificate)
  • Ko`olau Federal Credit Union: 3.85% APY (IRA Certificates - (Traditional, Roth, Educational) - 1 year (13 months))
  • Garden Island Federal Credit Union: 3.85% APY (6 Month Loyalty Share Certificates)
  • Kahului Federal Credit Union: 3.75% APY (1 Year Share Certificate)
  • Hawaii Central Federal Credit Union: 3.75% APY (6 Month Share Certificate)
  • CU Hawaii Federal Credit Union: 3.70% APY (12 Month Certificates)
  • Finance Factors: 3.60% APY (48 Month Long Term CD Specials)
Rates reflect recent verified offers available in Hawaii. Last Updated: September 21, 2026

Hawaii CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Hawaii rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top Hawaii CD Rates by Term

Verified September 21, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Hawaii. Averages shown use the Hawaii state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hawaii CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

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 sourcing data 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: September 21, 2026

Hawaii Rates & Resources

Cities in Hawaii