MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
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 October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • 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
| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Hawaii CD rates range from 0.01% to 4.50% APY, verified by MonitorBankRates as of October 13, 2026. Current Hawaii CD rates include CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734A+5.0 ★Texas Ratio: 1.37%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificates at 4.50% APY, Navy Federal Credit UnionNavy Federal Credit Union25 Kaneohe Bay Dr, Kailua, HI 96734 1711A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Big Island Federal Credit UnionBig Island Federal Credit Union16 594 Kipimana St, Keaau, HI 96749 8021A+5.0 ★Texas Ratio: 0.37%Real return: +1.53%APY minus CPI (February 2026) offering 5 Years Term Share Certificate at 4.33% APY, Maui County Federal Credit UnionMaui County Federal Credit Union224 Kehalani Drive, Wailuku, HI 96793A5.0 ★Texas Ratio: 6.63%Real return: +1.45%APY minus CPI (February 2026) offering Share Certificates - 6-month at 4.25% APY, and Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit Union2969 Umi St, Lihue, HI 96766 1345A+5.0 ★Texas Ratio: 3.68%Real return: +1.40%APY minus CPI (February 2026) offering 1 Year IRA Certificate at 4.20% APY. CD rates as of October 13, 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 4.50% APY from CU Hawaii Federal Credit Union at 75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734. 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: October 13, 2026

Compare Best CD Rates in Hawaii

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Hawaii 3 Month CD Rates

MonitorBankRates Hawaii Average · 3 Month CD1.92% APY▲ 0.17% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Hawaii is 1.92% APY, compared with 2.09% nationally, as of October 13, 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
$25,000
3.20% ▲ 1.28% above Hawaii avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 1.28% above avgNationally 2.09%
Details

Minimum deposit of $25,000 - $99,999.99

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
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% ▲ 1.28% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 1.28% above avgNationally 2.09%
Details

Minimum deposit of $100,000 or more

Rate History
2 changes since Sep 18, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 18, 2026: 3.15% APYSep 24, 2026: 2.90% APYOct 7, 2026: 3.20% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.20%▲ from 2.90%
  • Sep 24, 20262.90%▼ from 3.15%
  • Sep 18, 20263.15%first recorded
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% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 1.23% above avgNationally 2.09%
Details

Minimum deposit of $25,000 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 3.20% → 3.15% ▼ 0.05 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 18, 2026: 3.20% APYSep 27, 2026: 2.90% APYOct 7, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.15%▲ from 2.90%
  • Sep 27, 20262.90%▼ from 3.20%
  • Sep 18, 20263.20%first recorded
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
3-Month CD
$1,000
3.15% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average1.92%▲ 1.23% above avgNationally 2.09%
Details

Short Term CD Specials; This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 13, 2026
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
300 N Beretania St, Honolulu, HI 96817
3-Month & 6-Month Term
$0
3.00% ▲ 1.08% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▲ 1.08% above avgNationally 2.09%
Details

Funds must originate from another financial institution.

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
3-month CD
$1,000
2.95% ▲ 1.03% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▲ 1.03% above avgNationally 2.09%
Details

Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account.

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 14, 2026: 3.00% APYOct 12, 2026: 2.95% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20262.95%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
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% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.98% above avgNationally 2.09%
Details

Minimum deposit of $100,000 or more

Rate History
2 changes since Sep 18, 2026 · 2.90% → 2.90% ▼ 0.00 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 18, 2026: 2.90% APYSep 27, 2026: 3.15% APYOct 7, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.90%▼ from 3.15%
  • Sep 27, 20263.15%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
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
2.90% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.98% above avgNationally 2.09%
Details

Minimum deposit of $100,000 or more

Rate History
1 change since Sep 18, 2026 · 3.15% → 2.90% ▼ 0.25 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 18, 2026: 3.15% APYSep 24, 2026: 2.90% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20262.90%▼ from 3.15%
  • Sep 18, 20263.15%first recorded
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% ▲ 0.88% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.88% above avgNationally 2.09%
Details

Minimum deposit of $2,500 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.80% → 2.80% ▼ 0.00 pts · high 3.15% / low 2.80%
2.30%2.97%3.65%Sep 18, 2026: 2.80% APYSep 27, 2026: 3.15% APYOct 7, 2026: 2.80% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.80%▼ from 3.15%
  • Sep 27, 20263.15%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
300 N Beretania St, Honolulu, HI 96817
3-Month Term
$0
2.75% ▲ 0.83% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▲ 0.83% above avgNationally 2.09%
Details

Biz Deluxe Checking Customers APY: 3.00%

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
3 Month Regular Promo CD
$2,500
2.70% ▲ 0.78% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.78% above avgNationally 2.09%
Details

Minimum deposit of $2,500 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 3.15% → 2.70% ▼ 0.45 pts · high 3.15% / low 2.70%
2.20%2.93%3.65%Sep 18, 2026: 3.15% APYSep 24, 2026: 2.70% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20262.70%▼ from 3.15%
  • Sep 18, 20263.15%first recorded
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1244 Kaumualii St, Honolulu, HI 96817
90 Day Certificates
$1,000
1.00% ▼ 0.92% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 0.92% below avgNationally 2.09%
Details

Certificate rates are effective 01/26/2026 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees.

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 13, 2026
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
3-month CD
$500
0.80% ▼ 1.12% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 1.12% below avgNationally 2.09%
Details

Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
3-Month Share Certificate
$1,000
0.50% ▼ 1.42% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 1.42% below avgNationally 2.09%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
3 Month Share Certificate
$1,000
0.25% ▼ 1.67% below Hawaii avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 1.67% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 13, 2026
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% ▼ 1.89% below Hawaii avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▼ 1.89% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 13, 2026
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% ▼ 1.91% below Hawaii avg
View
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▼ 1.91% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 13, 2026
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% ▼ 1.91% below Hawaii avg
View
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▼ 1.91% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 13, 2026

Hawaii 6 Month CD Rates

MonitorBankRates Hawaii Average · 6 Month CD2.94% APY▼ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Hawaii is 2.94% APY, compared with 2.78% nationally, as of October 13, 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
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
224 Kehalani Drive, Wailuku, HI 96793
Share Certificates - 6-month
$1,000
4.25% ▲ 1.31% above Hawaii avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
6 Month IRA Certificate
$0
4.20% ▲ 1.26% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.26% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
6 Month Share Certificate
$0
4.20% ▲ 1.26% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.26% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
25 W Kamehameha Ave, Kahului, HI 96732 2240
6 Month Share Certificate
$0
4.05% ▲ 1.11% above Hawaii avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.11% above avgNationally 2.78%
Details

Rate History
1 change since Sep 20, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 20, 2026: 3.75% APYOct 4, 2026: 4.05% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.05%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
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
$2,500
4.00% ▲ 1.06% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Maximum balance: $250,000.00; Interest must be transferred to share account

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
6 Month Share Certificate
$1,000
4.00% ▲ 1.06% above Hawaii avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Limited Time Offer

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
6-Month Share Certificate
$1,000
4.00% ▲ 1.06% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
6-month CD
$0
3.91% ▲ 0.97% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.97% above avgNationally 2.78%
Details

CD Promotion; Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts.

Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Sep 25, 2026: 3.91% APYSep 25, 2026Oct 13, 2026
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
CD Promotion: 6-month CD
$500
3.91% ▲ 0.97% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.97% above avgNationally 2.78%
Details

Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 6 Month
$10,000
3.85% ▲ 0.91% above Hawaii avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates - 6 months
$1,000
3.75% ▲ 0.81% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
6 Months CD Special
$0
3.75% ▲ 0.81% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Special CD rate; see footnote ** on source page

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
6-Month Share Certificate
$5,000
3.75% ▲ 0.81% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Featured term; requires a minimum deposit of $5,000 (new or existing funds)

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 13, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
681 S King St, Honolulu, HI 96813 3016
6 Month Share Certificate
$1,000
3.75% ▲ 0.81% above Hawaii avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
6-Month CD
$0
3.75% ▲ 0.81% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
6-Month Term
$1,000
3.75% ▲ 0.81% above Hawaii avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 6 Month
$100,000
3.70% ▲ 0.76% above Hawaii avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.94%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
6 Months Term Share Certificate
$500
3.56% ▲ 0.62% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.94%▲ 0.62% above avgNationally 2.78%
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.

Rate History
No change since Oct 6, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 6, 2026: 3.56% APYOct 6, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 6 Month
$500
3.55% ▲ 0.61% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.94%▲ 0.61% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
6 Month Jumbo Certificate
$0
3.50% ▲ 0.56% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.56% above avgNationally 2.78%
Details

Balance: $100,000.00

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
Business 6-Month (182 days)
$0
3.50% ▲ 0.56% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.56% above avgNationally 2.78%
Details

Balance: $100,000.00 - $100,000.00

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
6 Month Certificates
$0
3.50% ▲ 0.56% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.94%▲ 0.56% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 13, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 6 Month
$0
3.50% ▲ 0.56% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.94%▲ 0.56% above avgNationally 2.78%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
6 Month Jumbo Certificates
$0
3.45% ▲ 0.51% above Hawaii avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.51% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
6-Month Business Certificate
$0
3.25% ▲ 0.31% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.31% above avgNationally 2.78%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
6-Month Share Certificate
$0
3.25% ▲ 0.31% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
6 Month Share Certificates
$0
3.25% ▲ 0.31% above Hawaii avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
6-Month CD
$1,000
3.20% ▲ 0.26% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.94%▲ 0.26% above avgNationally 2.78%
Details

Short Term CD Specials; This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month CD
$150,000
3.20% ▲ 0.26% above Hawaii avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.26% above avgNationally 2.78%
Details

Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account.

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.20% ▼ 0.05 pts · high 3.25% / low 3.20%
2.70%3.23%3.75%Sep 14, 2026: 3.25% APYOct 12, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.20%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
220 S King St, Honolulu, HI 96813
Exceptional Preferred Certificate of Deposit (CD) Special - 6 months
$20,000
3.15% ▲ 0.21% above Hawaii avg
View
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▲ 0.21% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 13, 2026
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
3.15% ▲ 0.21% above Hawaii avg
View
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▲ 0.21% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
2.50%3.08%3.65%Sep 18, 2026: 3.00% APYOct 2, 2026: 3.15% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20263.15%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month CD
$75,000
3.10% ▲ 0.16% above Hawaii avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.16% above avgNationally 2.78%
Details

Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account.

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYOct 12, 2026: 3.10% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
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% ▲ 0.11% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▲ 0.11% above avgNationally 2.78%
Details

Minimum deposit of $5,000 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
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% ▲ 0.11% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▲ 0.11% above avgNationally 2.78%
Details

Minimum deposit of $100,000 or more

Rate History
2 changes since Sep 18, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.60%
2.10%2.83%3.55%Sep 18, 2026: 2.95% APYSep 24, 2026: 2.60% APYOct 7, 2026: 3.05% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.05%▲ from 2.60%
  • Sep 24, 20262.60%▼ from 2.95%
  • Sep 18, 20262.95%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
2411 S King St, Honolulu, HI 96826
6-month CD
$1,000
3.00% ▲ 0.06% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.06% above avgNationally 2.78%
Details

Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account.

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Sep 14, 2026: 3.05% APYOct 12, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.00%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
6-month Certificate
$1,000
3.00% ▲ 0.06% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▲ 0.06% above avgNationally 2.78%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular Promo CD
$5,000
2.95% ▲ 0.01% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▲ 0.01% above avgNationally 2.78%
Details

Minimum deposit of $5,000 - $24,999.99

Rate History
2 changes since Sep 18, 2026 · 3.05% → 2.95% ▼ 0.10 pts · high 3.05% / low 2.60%
2.10%2.83%3.55%Sep 18, 2026: 3.05% APYSep 27, 2026: 2.60% APYOct 7, 2026: 2.95% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.95%▲ from 2.60%
  • Sep 27, 20262.60%▼ from 3.05%
  • Sep 18, 20263.05%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
300 N Beretania St, Honolulu, HI 96817
6-Month Term
$0
2.75% ▼ 0.19% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 0.19% below avgNationally 2.78%
Details

Biz Deluxe Checking Customers APY: 3.00%

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
6 Month Share Certificate
$0
2.75% ▼ 0.19% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 0.19% below avgNationally 2.78%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
6 Month Certificate
$0
2.70% ▼ 0.24% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▼ 0.24% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 13, 2026
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% ▼ 0.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▼ 0.34% below avgNationally 2.78%
Details

Minimum deposit of $2,500 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.60% → 2.60% ▼ 0.00 pts · high 2.95% / low 2.60%
2.10%2.78%3.45%Sep 18, 2026: 2.60% APYSep 27, 2026: 2.95% APYOct 7, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20262.60%▼ from 2.95%
  • Sep 27, 20262.95%▲ from 2.60%
  • Sep 18, 20262.60%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
6 Month Regular Promo CD
$2,500
2.60% ▼ 0.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.94%▼ 0.34% below avgNationally 2.78%
Details

Minimum deposit of $2,500 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 2.95% → 2.60% ▼ 0.35 pts · high 2.95% / low 2.35%
1.75%2.65%3.55%Sep 18, 2026: 2.95% APYSep 24, 2026: 2.35% APYSep 27, 2026: 2.60% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20262.60%▲ from 2.35%
  • Sep 24, 20262.35%▼ from 2.95%
  • Sep 18, 20262.95%first recorded
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 6 Months
$500
1.50% ▼ 1.44% below Hawaii avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 1.44% below avgNationally 2.78%
Details

IRA certificate rates are compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
Share Certificates - 6 Months
$500
1.50% ▼ 1.44% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 1.44% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1244 Kaumualii St, Honolulu, HI 96817
6 Month Certificates
$1,000
1.26% ▼ 1.68% below Hawaii avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 1.68% below avgNationally 2.78%
Details

Certificate rates are effective 01/26/2026 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees.

Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 25, 2026: 1.26% APYSep 25, 2026Oct 13, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
94 449 Ukee St, Waipahu, HI 96797
6 Month Certificate
$0
1.25% ▼ 1.69% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 1.69% below avgNationally 2.78%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 13, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 6-Month Term
$0
1.00% ▼ 1.94% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 1.94% below avgNationally 2.78%
Details

Published APY range: 1.00% to 1.15%. Regular Share Certificates Only

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
135 Puali Place, Kaunakakai, HI 96748
6 Month Share Certificate
$0
1.00% ▼ 1.94% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 1.94% below avgNationally 2.78%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 20, 2026: 1.00% APYSep 20, 2026Oct 13, 2026
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
91 1202 Renton Rd # A, Ewa Beach, HI 96706 7000
6 Month Share Certificate
$1,000
0.55% ▼ 2.39% below Hawaii avg
View
▼
Rate0.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 2.39% below avgNationally 2.78%
Details

Dividends compounded and credited quarterly

Rate History
No change since Sep 25, 2026 · 0.55% APY · checked 3 times
0.05%0.55%1.05%Sep 25, 2026: 0.55% APYSep 25, 2026Oct 13, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1200 N School St, Honolulu, HI 96817 2013
6 Month Share Certificate
$0
0.30% ▼ 2.64% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.94%▼ 2.64% below avgNationally 2.78%
Details

Fire Level

Rate History
No change since Oct 12, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 12, 2026: 0.30% APYOct 12, 2026Oct 13, 2026

Hawaii 12 Month CD Rates

MonitorBankRates Hawaii Average · 12 Month CD2.77% APY▼ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Hawaii is 2.77% APY, compared with 2.99% nationally, as of October 13, 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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.58% above Hawaii avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.77%▲ 1.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
1 Year IRA Certificate
$0
4.20% ▲ 1.43% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
1 Year Share Certificate
$0
4.20% ▲ 1.43% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.43% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 13, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1244 Kaumualii St, Honolulu, HI 96817
12 Month Certificates
$1,000
4.10% ▲ 1.33% above Hawaii avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.33% above avgNationally 2.99%
Details

Certificate rates are effective 01/26/2026 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees.

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.23% above Hawaii avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.77%▲ 1.23% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month Share Certificate Special
$0
4.00% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.23% above avgNationally 2.99%
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 12, 20263.50%first recorded
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
25 W Kamehameha Ave, Kahului, HI 96732 2240
1 Year Share Certificate
$0
4.00% ▲ 1.23% above Hawaii avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.23% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
1-Year CD
$0
4.00% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.77%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
1-Year Term
$1,000
4.00% ▲ 1.23% above Hawaii avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.77%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
12 Month Jumbo Certificates
$0
3.95% ▲ 1.18% above Hawaii avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 4, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certifcates - (Traditional, Roth, Educational) - 1 year (13 months)
$500
3.85% ▲ 1.08% above Hawaii avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 1.08% above avgNationally 2.99%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
12 Month IRA Certificate
$500
3.82% ▲ 1.05% above Hawaii avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.77%▲ 1.05% above avgNationally 2.99%
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.

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
12 Months Term Share Certificate
$500
3.82% ▲ 1.05% above Hawaii avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.77%▲ 1.05% above avgNationally 2.99%
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.

Rate History
No change since Oct 6, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 6, 2026: 3.82% APYOct 6, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
12 Month IRA Certificates
$0
3.75% ▲ 0.98% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
12 Month Share Certificates
$0
3.75% ▲ 0.98% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.98% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
1 Year IRA Share Certificate
$500
3.75% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.98% above avgNationally 2.99%
Details

Rates effective as of 1/2/2025; IRA certificate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
1 Year Roth Conversion IRA Share Certificate
$500
3.75% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.98% above avgNationally 2.99%
Details

Rates effective as of 1/2/2025; Roth Conversion IRA certificate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
1 Year Roth IRA Share Certificate
$500
3.75% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.98% above avgNationally 2.99%
Details

Rates effective as of 1/2/2025; Roth IRA certificate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
1-Year Share Certificate
$1,000
3.75% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.98% above avgNationally 2.99%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
12 Month Certificates
$0
3.70% ▲ 0.93% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.77%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 12 Month
$0
3.70% ▲ 0.93% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.77%▲ 0.93% above avgNationally 2.99%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 12 Month
$10,000
3.60% ▲ 0.83% above Hawaii avg
View
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.77%▲ 0.83% above avgNationally 2.99%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month IRA Share Certificate
$0
3.50% ▲ 0.73% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

IRA; Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates - 12 months
$1,000
3.50% ▲ 0.73% above Hawaii avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
1 Year IRA Certificate
$1,000
3.50% ▲ 0.73% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Dividends compounded/credited: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYOct 4, 2026: 3.50% APYSep 18, 2026Oct 13, 2026
  • Oct 4, 20263.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
1 Year Share Certificate
$5,000
3.50% ▲ 0.73% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Dividends compounded/credited: Quarterly

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
1-Year Share / IRA Certificate
$5,000
3.50% ▲ 0.73% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Featured term; requires a minimum deposit of $5,000 (new or existing funds)

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
12 Months CD Special
$0
3.50% ▲ 0.73% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Special CD rate; see footnote ** on source page

Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 12, 2026: 3.00% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 4, 20263.50%▲ from 3.00%
  • Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate - 1-Year
$1,000
3.50% ▲ 0.73% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Dividends Compounded/Credited: Quarterly

Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 12, 2026: 3.00% APYOct 8, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.50%▲ from 3.00%
  • Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate - 1-Year
$5,000
3.50% ▲ 0.73% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.73% above avgNationally 2.99%
Details

Dividends compounded/credited quarterly

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
300 Ala Moana Blvd, Honolulu, HI 96850
90th Anniversary Certificate Special - 12 months
$0
3.45% ▲ 0.68% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.68% above avgNationally 2.99%
Details

90th Anniversary Certificate Special; deposits need to be from another financial institution; paid Monthly; early withdrawal penalty; 0.05% age 55+ bonus does not apply to this special

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 12 Month
$100,000
3.44% ▲ 0.67% above Hawaii avg
View
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.77%▲ 0.67% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 5, 2026: 3.44% APYOct 5, 2026Oct 13, 2026
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% ▲ 0.63% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.77%▲ 0.63% above avgNationally 2.99%
Details

Minimum deposit of $5,000 - $24,999.99

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
1 Year Jumbo Certificate
$0
3.35% ▲ 0.58% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.58% above avgNationally 2.99%
Details

Balance: $100,000.00

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
Business 1-Year (365 days)
$0
3.35% ▲ 0.58% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.58% above avgNationally 2.99%
Details

Balance: $100,000.00 - $100,000.00

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
12-Month Certificate
$0
3.35% ▲ 0.58% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.58% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
Roth 12-Month IRA Certificate
$0
3.35% ▲ 0.58% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.58% above avgNationally 2.99%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 4, 2026: 3.35% APYOct 4, 2026Oct 13, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
111 S King St, Honolulu, HI 96813
12 Month Regular Promo CD
$5,000
3.30% ▲ 0.53% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.77%▲ 0.53% above avgNationally 2.99%
Details

Minimum deposit of $5,000 - $24,999.99

Rate History
2 changes since Sep 18, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 2.90%
2.40%3.10%3.80%Sep 18, 2026: 3.30% APYSep 27, 2026: 2.90% APYOct 7, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.30%▲ from 2.90%
  • Sep 27, 20262.90%▼ from 3.30%
  • Sep 18, 20263.30%first recorded
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
12-Month CD
$1,000
3.30% ▲ 0.53% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.77%▲ 0.53% above avgNationally 2.99%
Details

Short Term CD Specials; This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
12-Month eCD
$1,000
3.30% ▲ 0.53% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.77%▲ 0.53% above avgNationally 2.99%
Details

eCD Specials; You must open this account online. This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 12 Month
$500
3.29% ▲ 0.52% above Hawaii avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.77%▲ 0.52% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 13, 2026: 3.29% APYOct 13, 2026Oct 13, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
224 Kehalani Drive, Wailuku, HI 96793
Share Certificates - 1-year
$1,000
3.25% ▲ 0.48% above Hawaii avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
1 Year Share Certificate
$1,000
3.25% ▲ 0.48% above Hawaii avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month Share Certificate
$0
3.25% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.48% above avgNationally 2.99%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
681 S King St, Honolulu, HI 96813 3016
12 Month Share Certificate
$500
3.25% ▲ 0.48% above Hawaii avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.77%▲ 0.48% above avgNationally 2.99%
Details

Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
1-Year Add-On Share Certificate
$0
3.20% ▲ 0.43% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.43% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
1-Year Business Certificate
$0
3.10% ▲ 0.33% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.33% above avgNationally 2.99%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 25, 2026: 3.10% APYSep 25, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
12 Month Impact Certificates
$0
3.03% ▲ 0.26% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.26% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 12-Month Term
$0
3.00% ▲ 0.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.23% above avgNationally 2.99%
Details

Published APY range: 3.00% to 3.15%.

Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
12-month Certificate
$1,000
3.00% ▲ 0.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.77%▲ 0.23% above avgNationally 2.99%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026

Hawaii 18 Month CD Rates

MonitorBankRates Hawaii Average · 18 Month CD2.82% APY▼ 0.06% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Hawaii is 2.82% APY, compared with 2.87% nationally, as of October 13, 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
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
18 Month Jumbo Certificates
$0
4.20% ▲ 1.38% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 1.38% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
18 Month IRA Certificates
$0
4.00% ▲ 1.18% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 1.18% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
18 Month Share Certificates
$0
4.00% ▲ 1.18% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 1.18% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
18 Month Certificates
$0
4.00% ▲ 1.18% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.82%▲ 1.18% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 21, 2026: 3.25% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 18 Months
$0
4.00% ▲ 1.18% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.82%▲ 1.18% above avgNationally 2.87%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
18 Months Term Share Certificate
$500
3.82% ▲ 1.00% above Hawaii avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.82%▲ 1.00% above avgNationally 2.87%
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.

Rate History
No change since Oct 6, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 6, 2026: 3.82% APYOct 6, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
18 Month IRA Certificate
$0
3.81% ▲ 0.99% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
18 Month Share Certificate
$0
3.81% ▲ 0.99% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.99% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.88% above Hawaii avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.82%▲ 0.88% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
681 S King St, Honolulu, HI 96813 3016
18 Month Share Certificate
$500
3.29% ▲ 0.47% above Hawaii avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.82%▲ 0.47% above avgNationally 2.87%
Details

Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
18 Month Share Certificate
$0
3.25% ▲ 0.43% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.43% above avgNationally 2.87%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 18 Month
$10,000
3.09% ▲ 0.27% above Hawaii avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.82%▲ 0.27% above avgNationally 2.87%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 13, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 18-Month Term
$0
3.05% ▲ 0.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.23% above avgNationally 2.87%
Details

Published APY range: 3.05 to 3.20%.

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 13, 2026
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
$5,000
3.00% ▲ 0.18% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.18% above avgNationally 2.87%
Details

Maximum balance: $250,000.00; Dividends must be transferred to share account

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
18-month Certificate
$1,000
3.00% ▲ 0.18% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.18% above avgNationally 2.87%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
18-Month Certificate
$0
3.00% ▲ 0.18% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.18% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
Roth 18-Month IRA Certificate
$0
3.00% ▲ 0.18% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.18% above avgNationally 2.87%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
25 W Kamehameha Ave, Kahului, HI 96732 2240
18 Month Share Certificate
$0
3.00% ▲ 0.18% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▲ 0.18% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 18 Month
$100,000
2.93% ▲ 0.11% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.82%▲ 0.11% above avgNationally 2.87%
Details

Rate History
No change since Oct 5, 2026 · 2.93% APY · checked 2 times
2.43%2.93%3.43%Oct 5, 2026: 2.93% APYOct 5, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
18 Month Certificate
$0
2.90% ▲ 0.08% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.82%▲ 0.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 18 Month
$500
2.78% ▼ 0.04% below Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.82%▼ 0.04% below avgNationally 2.87%
Details

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
18-Month CD
$0
2.75% ▼ 0.07% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.82%▼ 0.07% below avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
18-Month Term
$1,000
2.75% ▼ 0.07% below Hawaii avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.82%▼ 0.07% below avgNationally 2.87%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
18-Month Business Certificate
$0
2.35% ▼ 0.47% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 0.47% below avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 8, 2026: 2.35% APYOct 8, 2026Oct 13, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1244 Kaumualii St, Honolulu, HI 96817
18 Month Certificates
$1,000
2.02% ▼ 0.80% below Hawaii avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 0.80% below avgNationally 2.87%
Details

Certificate rates are effective 01/26/2026 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees.

Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 25, 2026: 2.02% APYSep 25, 2026Oct 13, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1244 Kaumualii St, Honolulu, HI 96817
18 Month IRA Certificate
$500
2.02% ▼ 0.80% below Hawaii avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 0.80% below avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 8, 2026: 2.02% APYOct 8, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
18-Month Jump Start Add-On Share Certificate
$0
1.60% ▼ 1.22% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 1.22% below avgNationally 2.87%
Details

Balance: $200.00 - $199.99

Rate History
No change since Oct 8, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 8, 2026: 1.60% APYOct 8, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
18-Month Business Certificate
$0
1.50% ▼ 1.32% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 1.32% below avgNationally 2.87%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
18-Month Income Business Certificate
$0
1.50% ▼ 1.32% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 1.32% below avgNationally 2.87%
Details

Balance: $25,000.00

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
18-Month Income Share Certificate
$0
1.50% ▼ 1.32% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 1.32% below avgNationally 2.87%
Details

Term: 18-Month Income (547 days); Balance: $25,000.00 - $24,999.99

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
18-Month Share Certificate
$0
1.50% ▼ 1.32% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 1.32% below avgNationally 2.87%
Details

Balance: $500.00 - $499.99

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 13, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
300 Ala Moana Blvd, Honolulu, HI 96850
Certificate - 18 months
$0
1.00% ▼ 1.82% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 1.82% below avgNationally 2.87%
Details

Paid Monthly; early withdrawal penalty; For members age 55+, add 0.05% to all certificate rates

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 13, 2026
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 Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.82%▼ 2.70% below avgNationally 2.87%
Details

Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates.

Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 6 times
0.00%0.31%0.62%Sep 14, 2026: 0.12% APYSep 14, 2026Oct 13, 2026
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 Hawaii avg
View
▼
Rate0.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.82%▼ 2.74% below avgNationally 2.87%
Details

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

Rate History
No change since Sep 18, 2026 · 0.08% APY · checked 3 times
0.00%0.29%0.58%Sep 18, 2026: 0.08% APYSep 18, 2026Oct 13, 2026
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 Hawaii avg
View
▼
Rate0.04%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.82%▼ 2.78% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 2 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 13, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
18 Month CD
$500
0.02% ▼ 2.80% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.82%▼ 2.80% below avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 13, 2026

Hawaii 24 Month CD Rates

MonitorBankRates Hawaii Average · 24 Month CD2.54% APY▼ 0.07% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Hawaii is 2.54% APY, compared with 2.88% nationally, as of October 13, 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
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
24 Month Jumbo Certificates
$0
4.20% ▲ 1.66% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 1.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
2 Year IRA Certificate
$500
4.07% ▲ 1.53% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.54%▲ 1.53% above avgNationally 2.88%
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.

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
2 Years Term Share Certificate
$500
4.07% ▲ 1.53% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.54%▲ 1.53% above avgNationally 2.88%
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.

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
24 Month IRA Certificates
$0
4.00% ▲ 1.46% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 1.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
24 Month Share Certificates
$0
4.00% ▲ 1.46% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 1.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
24 Month Certificates
$0
4.00% ▲ 1.46% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.54%▲ 1.46% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 21, 2026: 3.25% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 24 Month
$0
4.00% ▲ 1.46% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.54%▲ 1.46% above avgNationally 2.88%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
2 Year IRA Certificate
$0
3.81% ▲ 1.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 1.27% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
2 Year Share Certificate
$0
3.81% ▲ 1.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 1.27% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 13, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
24-Month CD
$1,000
3.75% ▲ 1.21% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.54%▲ 1.21% above avgNationally 2.88%
Details

Long Term CD Specials; This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 24, 2026: 3.40% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.75%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
24 Month IRA Share Certificate
$0
3.75% ▲ 1.21% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 1.21% above avgNationally 2.88%
Details

IRA; Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 1.06% above Hawaii avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.54%▲ 1.06% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
25 W Kamehameha Ave, Kahului, HI 96732 2240
2 Year Share Certificate
$0
3.50% ▲ 0.96% above Hawaii avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.96% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 4, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
681 S King St, Honolulu, HI 96813 3016
24 Month Share Certificate
$500
3.34% ▲ 0.80% above Hawaii avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.54%▲ 0.80% above avgNationally 2.88%
Details

Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
2 Year Share Certificate
$1,000
3.25% ▲ 0.71% above Hawaii avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.71% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
24 Month Share Certificate
$0
3.25% ▲ 0.71% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.71% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates - 2 years
$1,000
3.25% ▲ 0.71% above Hawaii avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.71% above avgNationally 2.88%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
Share Certificate - 2 Year
$1,000
3.25% ▲ 0.71% above Hawaii avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.54%▲ 0.71% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
2 Year Certificate
$0
3.20% ▲ 0.66% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.54%▲ 0.66% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
2 Year IRA Certificate
$0
3.10% ▲ 0.56% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.54%▲ 0.56% above avgNationally 2.88%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 24-Month Term
$0
3.10% ▲ 0.56% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.56% above avgNationally 2.88%
Details

Published APY range: 3.10% to 3.25%.

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certifcates - (Traditional, Roth, Educational) - 2 years
$500
3.10% ▲ 0.56% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.56% above avgNationally 2.88%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
24 Month Impact Certificates
$0
3.03% ▲ 0.49% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.49% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
24 Month Jumbo IRA Certificate
$100,000
3.00% ▲ 0.46% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
IRA Certificate - 24 months
$500
3.00% ▲ 0.46% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

IRA Certificate; rates effective as of 6/1/2025

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
Super Jumbo IRA Certificate - 24 months
$200,000
3.00% ▲ 0.46% above Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
24-month Certificate
$1,000
3.00% ▲ 0.46% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
224 Kehalani Drive, Wailuku, HI 96793
Share Certificates - 2-year
$1,000
3.00% ▲ 0.46% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
24-Month Certificate
$0
3.00% ▲ 0.46% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
Roth 24-Month IRA Certificate
$0
3.00% ▲ 0.46% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.46% above avgNationally 2.88%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 24 Month
$10,000
2.83% ▲ 0.29% above Hawaii avg
View
▼
Rate2.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.54%▲ 0.29% above avgNationally 2.88%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 13, 2026: 2.83% APYOct 13, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 24 Month
$100,000
2.68% ▲ 0.14% above Hawaii avg
View
▼
Rate2.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.54%▲ 0.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 2.68% APY · checked 2 times
2.18%2.68%3.18%Oct 5, 2026: 2.68% APYOct 5, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
24-Month Business Certificate
$0
2.55% ▲ 0.01% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▲ 0.01% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 8, 2026: 2.55% APYOct 8, 2026Oct 13, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1244 Kaumualii St, Honolulu, HI 96817
24 Month Certificates
$1,000
2.52% ▼ 0.02% below Hawaii avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 0.02% below avgNationally 2.88%
Details

Certificate rates are effective 01/26/2026 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees.

Rate History
No change since Sep 25, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 25, 2026: 2.52% APYSep 25, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 24 Month
$500
2.52% ▼ 0.02% below Hawaii avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.54%▼ 0.02% below avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 24 Months
$500
2.50% ▼ 0.04% below Hawaii avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 0.04% below avgNationally 2.88%
Details

IRA certificate rates are compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
Share Certificates - 24 Months
$500
2.50% ▼ 0.04% below Hawaii avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 0.04% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
94 449 Ukee St, Waipahu, HI 96797
24 Month Certificate
$0
2.00% ▼ 0.54% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 0.54% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 13, 2026
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
135 Puali Place, Kaunakakai, HI 96748
2 Year Share Certificate
$0
2.00% ▼ 0.54% below Hawaii avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 0.54% below avgNationally 2.88%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
2 Year Share Certificate
$1,000
1.75% ▼ 0.79% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 0.79% below avgNationally 2.88%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
2-Year Business Certificate
$0
1.50% ▼ 1.04% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.04% below avgNationally 2.88%
Details

Balance: $2,500.00 - $2,500.00

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
2-Year Share Certificate
$0
1.50% ▼ 1.04% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.04% below avgNationally 2.88%
Details

Balance: $2,500.00 - $2,499.99

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate - 2-Year
$1,000
1.50% ▼ 1.04% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.04% below avgNationally 2.88%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate - 2-Year
$2,500
1.50% ▼ 1.04% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.04% below avgNationally 2.88%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
1 - 1/2 Year Share Certificate
$1,000
1.50% ▼ 1.04% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.04% below avgNationally 2.88%
Details

Rates effective as of 1/2/2025

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 13, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
300 Ala Moana Blvd, Honolulu, HI 96850
Certificate - 2 years
$0
1.10% ▼ 1.44% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.44% below avgNationally 2.88%
Details

Paid Monthly; early withdrawal penalty; For members age 55+, add 0.05% to all certificate rates

Rate History
No change since Sep 25, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 25, 2026: 1.10% APYSep 25, 2026Oct 13, 2026
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
91 1202 Renton Rd # A, Ewa Beach, HI 96706 7000
24 Month Share Certificate
$1,000
0.90% ▼ 1.64% below Hawaii avg
View
▼
Rate0.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.64% below avgNationally 2.88%
Details

Dividends compounded and credited quarterly

Rate History
No change since Sep 25, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Sep 25, 2026: 0.90% APYSep 25, 2026Oct 13, 2026
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
Traditional IRA & Roth IRA - 2 year certificate
$0
0.85% ▼ 1.69% below Hawaii avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.69% below avgNationally 2.88%
Details

Dividends compounded and credited quarterly

Rate History
No change since Oct 12, 2026 · 0.85% APY
0.35%0.85%1.35%Oct 12, 2026: 0.85% APYOct 12, 2026Oct 13, 2026
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
2 Year Share Certificate
$2,000
0.75% ▼ 1.79% below Hawaii avg
View
▼
Rate0.75%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 1.79% below avgNationally 2.88%
Details

Dividends compounded & credited quarterly

Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 25, 2026: 0.75% APYSep 25, 2026Oct 13, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1200 N School St, Honolulu, HI 96817 2013
24 Month Share Certificate
$0
0.50% ▼ 2.04% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.54%▼ 2.04% below avgNationally 2.88%
Details

Fire Level

Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026

Hawaii 36 Month CD Rates

MonitorBankRates Hawaii Average · 36 Month CD2.63% APY▲ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Hawaii is 2.63% APY, compared with 2.81% nationally, as of October 13, 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
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
36 Month Certificates
$0
4.30% ▲ 1.67% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.63%▲ 1.67% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
1.20%3.53%5.85%Sep 21, 2026: 2.75% APYOct 13, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 36 Months
$0
4.30% ▲ 1.67% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.63%▲ 1.67% above avgNationally 2.81%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
36 Month Jumbo Certificates
$0
4.20% ▲ 1.57% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 1.57% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.52% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.63%▲ 1.52% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.47% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.63%▲ 1.47% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
3 Years Term Share Certificate
$500
4.07% ▲ 1.44% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.63%▲ 1.44% above avgNationally 2.81%
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.

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 13, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
36-Month CD
$1,000
4.00% ▲ 1.37% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.63%▲ 1.37% above avgNationally 2.81%
Details

Long Term CD Specials; This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
36 Month IRA Certificates
$0
4.00% ▲ 1.37% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 1.37% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
36 Month Share Certificates
$0
4.00% ▲ 1.37% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 1.37% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
3 Year IRA Certificate
$0
3.56% ▲ 0.93% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
3 Year Share Certificate
$0
3.56% ▲ 0.93% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
36 Month Share Certificate
$0
3.50% ▲ 0.87% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.87% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813
Share Certificate - 3 Year
$1,000
3.50% ▲ 0.87% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.63%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
36-month Certificate
$1,000
3.25% ▲ 0.62% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.62% above avgNationally 2.81%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
3 Year Certificate
$0
3.20% ▲ 0.57% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.63%▲ 0.57% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 36-Month Term
$0
3.15% ▲ 0.52% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.52% above avgNationally 2.81%
Details

Published APY range: 3.15% to 3.30%.

Rate History
No change since Oct 12, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 12, 2026: 3.15% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
3 Year IRA Certificate
$0
3.10% ▲ 0.47% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.63%▲ 0.47% above avgNationally 2.81%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
36 Month Impact Certificates
$0
3.03% ▲ 0.40% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
36 Month Jumbo IRA Certificate
$100,000
3.00% ▲ 0.37% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
IRA Certificate - 36 months
$500
3.00% ▲ 0.37% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

IRA Certificate; rates effective as of 6/1/2025

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
Super Jumbo IRA Certificate - 36 months
$200,000
3.00% ▲ 0.37% above Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
224 Kehalani Drive, Wailuku, HI 96793
Share Certificates - 3-year
$1,000
3.00% ▲ 0.37% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
94 449 Ukee St, Waipahu, HI 96797
36 Month Certificate
$0
3.00% ▲ 0.37% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
3 Year Share Certificate
$1,000
3.00% ▲ 0.37% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
25 W Kamehameha Ave, Kahului, HI 96732 2240
3 Year Share Certificate
$0
3.00% ▲ 0.37% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 36 Month
$10,000
2.93% ▲ 0.30% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.63%▲ 0.30% above avgNationally 2.81%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 13, 2026: 2.93% APYOct 13, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 36 Month
$100,000
2.78% ▲ 0.15% above Hawaii avg
View
▼
Rate2.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.63%▲ 0.15% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 5, 2026: 2.78% APYOct 5, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
IRA Certificates - 36 Months
$500
2.75% ▲ 0.12% above Hawaii avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.12% above avgNationally 2.81%
Details

IRA certificate rates are compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
Share Certificates - 36 Months
$500
2.75% ▲ 0.12% above Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▲ 0.12% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 36 Month
$500
2.68% ▲ 0.05% above Hawaii avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.63%▲ 0.05% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 13, 2026: 2.68% APYOct 13, 2026Oct 13, 2026
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
135 Puali Place, Kaunakakai, HI 96748
3 Year Share Certificate
$0
2.50% ▼ 0.13% below Hawaii avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 0.13% below avgNationally 2.81%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 20, 2026: 2.50% APYSep 20, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
36-Month Business Certificate
$0
2.00% ▼ 0.63% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 0.63% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
36-Month Certificate
$0
2.00% ▼ 0.63% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 0.63% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 13, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
801 S Beretania St, Honolulu, HI 96813
Roth 36-Month IRA Certificate
$0
2.00% ▼ 0.63% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 0.63% below avgNationally 2.81%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 4, 2026: 2.00% APYOct 4, 2026Oct 13, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
4493 Pahee St, Lihue, HI 96766
3 Year Share Certificate
$1,000
2.00% ▼ 0.63% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 0.63% below avgNationally 2.81%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certifcates - (Traditional, Roth, Educational) - 3 years
$500
1.65% ▼ 0.98% below Hawaii avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 0.98% below avgNationally 2.81%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 12, 2026: 1.65% APYOct 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates - 3 years
$1,000
1.50% ▼ 1.13% below Hawaii avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.13% below avgNationally 2.81%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate - 3-Year
$1,000
1.50% ▼ 1.13% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.13% below avgNationally 2.81%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate - 3-Year
$2,500
1.50% ▼ 1.13% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.13% below avgNationally 2.81%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
3-Year Business Certificate
$0
1.25% ▼ 1.38% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.38% below avgNationally 2.81%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
3-Year IRA Share Certificate (1,095 days)
$500
1.25% ▼ 1.38% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.38% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 12, 2026: 1.25% APYOct 12, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
3-Year Roth (1,095 days)
$500
1.25% ▼ 1.38% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.38% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 12, 2026: 1.25% APYOct 12, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
3-Year Share Certificate
$0
1.25% ▼ 1.38% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.38% below avgNationally 2.81%
Details

Balance: $500.00 - $499.99

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 13, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
300 Ala Moana Blvd, Honolulu, HI 96850
Certificate - 3 years
$0
1.20% ▼ 1.43% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 1.43% below avgNationally 2.81%
Details

Paid Monthly; early withdrawal penalty; For members age 55+, add 0.05% to all certificate rates

Rate History
No change since Sep 25, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 25, 2026: 1.20% APYSep 25, 2026Oct 13, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1200 N School St, Honolulu, HI 96817 2013
36 Month Share Certificate
$0
0.60% ▼ 2.03% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 2.03% below avgNationally 2.81%
Details

Fire Level

Rate History
No change since Oct 12, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 12, 2026: 0.60% APYOct 12, 2026Oct 13, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1200 N School St, Honolulu, HI 96817 2013
36 Month Share Certificate
$0
0.50% ▼ 2.13% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 2.13% below avgNationally 2.81%
Details

Lifeline Level

Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1200 N School St, Honolulu, HI 96817 2013
36 Month Share Certificate
$0
0.40% ▼ 2.23% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 2.23% below avgNationally 2.81%
Details

Standard Level

Rate History
No change since Oct 12, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 12, 2026: 0.40% APYOct 12, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
3-Year CD
$0
0.40% ▼ 2.23% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.63%▼ 2.23% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
3-Year Term
$1,000
0.40% ▼ 2.23% below Hawaii avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.63%▼ 2.23% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 13, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
333 Queen St, Honolulu, HI 96813
Term Share 36-Month
$1,000
0.25% ▼ 2.38% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.63%▼ 2.38% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026

Hawaii 48 Month CD Rates

MonitorBankRates Hawaii Average · 48 Month CD2.73% APY▼ 0.05% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Hawaii is 2.73% APY, compared with 2.80% nationally, as of October 13, 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
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
48 Month Certificates
$0
4.30% ▲ 1.57% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 1.57% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
1.20%3.53%5.85%Sep 21, 2026: 2.75% APYOct 13, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 48 Months
$0
4.30% ▲ 1.57% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 1.57% above avgNationally 2.80%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
48 Month Jumbo Certificates
$0
4.20% ▲ 1.47% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 1.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
4 Years Term Share Certificate
$500
4.07% ▲ 1.34% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.73%▲ 1.34% above avgNationally 2.80%
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.

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 13, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
1164 Bishop St, Honolulu, HI 96813
48-Month CD
$1,000
4.00% ▲ 1.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Long Term CD Specials; This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors.

Rate History
1 change since Sep 27, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 27, 2026: 3.60% APYOct 3, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.60%
  • Sep 27, 20263.60%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
48 Month IRA Certificates
$0
4.00% ▲ 1.27% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
48 Month Share Certificates
$0
4.00% ▲ 1.27% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
48 Month Share Certificate
$0
3.75% ▲ 1.02% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
4 Year IRA Certificate
$0
3.56% ▲ 0.83% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
4 Year Share Certificate
$0
3.56% ▲ 0.83% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.83% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
48-month Certificate
$1,000
3.25% ▲ 0.52% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.52% above avgNationally 2.80%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
4 Year Certificate
$0
3.20% ▲ 0.47% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 48-Month Term
$0
3.20% ▲ 0.47% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Published APY range: 3.20% to 3.35%.

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
4 Year IRA Certificate
$0
3.10% ▲ 0.37% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.73%▲ 0.37% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 48 Month
$10,000
3.09% ▲ 0.36% above Hawaii avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
48 Month Impact Certificates
$0
3.03% ▲ 0.30% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
224 Kehalani Drive, Wailuku, HI 96793
Share Certificates - 4-year
$1,000
3.00% ▲ 0.27% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.27% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
4 Year Share Certificate
$1,000
3.00% ▲ 0.27% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.27% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 48 Month
$100,000
2.93% ▲ 0.20% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 2.93% APY · checked 2 times
2.43%2.93%3.43%Oct 5, 2026: 2.93% APYOct 5, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 48 Month
$500
2.83% ▲ 0.10% above Hawaii avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.10% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 13, 2026: 2.83% APYOct 13, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
Share Certificates - 48 Months
$500
2.75% ▲ 0.02% above Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 0.02% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates - 4 years
$1,000
1.90% ▼ 0.83% below Hawaii avg
View
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▼ 0.83% below avgNationally 2.80%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 1.90% APY
1.40%1.90%2.40%Oct 12, 2026: 1.90% APYOct 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certifcates - (Traditional, Roth, Educational) - 4 years
$500
1.75% ▼ 0.98% below Hawaii avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▼ 0.98% below avgNationally 2.80%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate - 4-Year
$1,000
1.00% ▼ 1.73% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▼ 1.73% below avgNationally 2.80%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate - 4-Year
$2,500
1.00% ▼ 1.73% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▼ 1.73% below avgNationally 2.80%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
4-Year CD
$0
0.50% ▼ 2.23% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.73%▼ 2.23% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
4-Year Term
$1,000
0.50% ▼ 2.23% below Hawaii avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.73%▼ 2.23% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
333 Queen St, Honolulu, HI 96813
Term Share 48-Month
$1,000
0.30% ▼ 2.43% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▼ 2.43% below avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 25, 2026: 0.30% APYSep 25, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
4-Year RampUp
$50,000
0.25% ▼ 2.48% below Hawaii avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.73%▼ 2.48% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
4 Year CD
$500
0.15% ▼ 2.58% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.73%▼ 2.58% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 13, 2026
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% ▼ 2.65% below Hawaii avg
View
▼
Rate0.08%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.73%▼ 2.65% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.08% APY · checked 2 times
0.00%0.29%0.58%Oct 7, 2026: 0.08% APYOct 7, 2026Oct 13, 2026

Hawaii 60 Month CD Rates

MonitorBankRates Hawaii Average · 60 Month CD2.93% APY▼ 0.08% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Hawaii is 2.93% APY, compared with 2.90% nationally, as of October 13, 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
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
60 Month Certificates
$0
4.50% ▲ 1.57% above Hawaii avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 1.57% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 4.50% ▲ 1.75 pts · high 4.50% / low 2.75%
1.00%3.63%6.25%Sep 21, 2026: 2.75% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
75 5781 Kuakini Hwy, Kailua Kona, HI 96740 1734
Certificates & IRA Certificates - 60 Months
$0
4.50% ▲ 1.57% above Hawaii avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 1.57% above avgNationally 2.90%
Details

Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 13, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
16 594 Kipimana St, Keaau, HI 96749 8021
5 Years Term Share Certificate
$500
4.33% ▲ 1.40% above Hawaii avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▲ 1.40% above avgNationally 2.90%
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.

Rate History
No change since Oct 6, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 6, 2026: 4.33% APYOct 6, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
60 Month Jumbo Certificates
$0
4.20% ▲ 1.27% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.27% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
60 Month IRA Certificates
$0
4.00% ▲ 1.07% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
60 Month Share Certificates
$0
4.00% ▲ 1.07% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
PO Box 860669, Wahiawa, HI 96786 0669
60 Month Share Certificate
$0
4.00% ▲ 1.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.90%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.97% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▲ 0.97% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
25 Kaneohe Bay Dr, Kailua, HI 96734 1711
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.92% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▲ 0.92% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
5 Year IRA Certificate
$0
3.56% ▲ 0.63% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2969 Umi St, Lihue, HI 96766 1345
5 Year Share Certificate
$0
3.56% ▲ 0.63% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 13, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
233 Vineyard St, Honolulu, HI 96813 2446
Share Certificates and IRA Certificates - 60-Month Term
$0
3.25% ▲ 0.32% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.90%
Details

Published APY range: 3.25% to 3.40%.

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 13, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
832 S Hotel St, Honolulu, HI 96813 2573
60-month Certificate
$1,000
3.25% ▲ 0.32% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.90%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
5 Year Certificate
$0
3.20% ▲ 0.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.27% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Loyalty Share Certificates - 60 Month
$10,000
3.19% ▲ 0.26% above Hawaii avg
View
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.26% above avgNationally 2.90%
Details

Available only to members of at least fifteen (15) years of membership

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Building 553, Fort Shafter, HI 96858
5 Year IRA Certificate
$0
3.10% ▲ 0.17% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.17% above avgNationally 2.90%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
2976 Ewalu St, Lihue, HI 96766
60 Month Impact Certificates
$0
3.03% ▲ 0.10% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.10% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Jumbo Share Certificates - 60 Month
$100,000
3.03% ▲ 0.10% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.10% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 5, 2026: 3.03% APYOct 5, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
60 Month Jumbo IRA Certificate
$100,000
3.00% ▲ 0.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.90%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
IRA Certificate - 60 months
$500
3.00% ▲ 0.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.90%
Details

IRA Certificate; rates effective as of 6/1/2025

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
Super Jumbo IRA Certificate - 60 months
$200,000
3.00% ▲ 0.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.90%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 13, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
224 Kehalani Drive, Wailuku, HI 96793
Share Certificates - 5-year
$1,000
3.00% ▲ 0.07% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
107 E Wakea Ave, Kahului, HI 96732
5 Year Share Certificate
$1,000
3.00% ▲ 0.07% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 13, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
25 W Kamehameha Ave, Kahului, HI 96732 2240
5 Year Share Certificate
$0
3.00% ▲ 0.07% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3417 Poipu Rd # 701, Koloa, HI 96756 8517
Share Certificates - 60 Month
$500
2.93% At Hawaii avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%At the averageNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 13, 2026: 2.93% APYOct 13, 2026Oct 13, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1138 N King St, Honolulu, HI 96817
Share Certificates - 60 Months
$500
2.75% ▼ 0.18% below Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
60 Month Principal Plus Certificate
$500
2.75% ▼ 0.18% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
Jumbo Principal Plus Certificate - 60 months
$100,000
2.75% ▼ 0.18% below Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.90%
Details

Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 13, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
40 Hickam Ct, Honolulu, HI 96818 4834
Super Jumbo Principal Plus Certificate - 60 months
$200,000
2.75% ▼ 0.18% below Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.90%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 13, 2026
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2019 S King St, Honolulu, HI 96826
60 Month Regular Certificate
$0
2.50% ▼ 0.43% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.43% below avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
2019 S King St, Honolulu, HI 96826
IRA Certificates - 60 months (IRA)
$0
2.50% ▼ 0.43% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.43% below avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certifcates - (Traditional, Roth, Educational) - 5 years
$500
2.25% ▼ 0.68% below Hawaii avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.68% below avgNationally 2.90%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 13, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6699 Mokapu Rd, KAILUA, HI 96734
Share Certificates - 5 years
$1,000
2.10% ▼ 0.83% below Hawaii avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.83% below avgNationally 2.90%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 13, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
681 S King St, Honolulu, HI 96813 3016
60 Month Share Certificate
$500
1.51% ▼ 1.42% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▼ 1.42% below avgNationally 2.90%
Details

Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
5-Year Business Certificate
$0
1.00% ▼ 1.93% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.90%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
5-Year IRA Share Certificate (1,825 days)
$500
1.00% ▼ 1.93% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
5-Year Roth (1,825 days)
$500
1.00% ▼ 1.93% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.90%
Details

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 13, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1226 College Walk, Honolulu, HI 96817
5-Year Share Certificate
$0
1.00% ▼ 1.93% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.90%
Details

Balance: $500.00 - $499.99

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate - 5-Year
$1,000
1.00% ▼ 1.93% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.90%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 13, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
Share Certificate - 5-Year
$2,500
1.00% ▼ 1.93% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.90%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 13, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
333 Queen St, Honolulu, HI 96813
Term Share 60-Month
$1,000
0.65% ▼ 2.28% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 2.28% below avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Sep 25, 2026: 0.65% APYSep 25, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
5-Year CD
$0
0.50% ▼ 2.43% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▼ 2.43% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
5-Year Term
$1,000
0.50% ▼ 2.43% below Hawaii avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▼ 2.43% below avgNationally 2.90%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
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 October 13, 2026

B Top 5 Bank Rates
Finance Factors
36-Month CD
A 5.0 ★ TX: 12.80%
Min: $1,000
4.00%
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
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
3.20%
Central Pacific Bank
Exceptional Preferred Certificate of Deposit (CD) Special - 6 months
A+ 5.0 ★ TX: 2.64%
Min: $20,000
3.15%
CU Top 5 Credit Union Rates
CU Hawaii Federal Credit Union
60 Month Certificates
A+ 5.0 ★ TX: 1.37%
Min: $0
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Big Island Federal Credit Union
5 Years Term Share Certificate
A+ 5.0 ★ TX: 0.37%
Min: $500
4.33%
Maui County Federal Credit Union
Share Certificates - 6-month
A 5.0 ★ TX: 6.63%
Min: $1,000
4.25%
Kauai Teachers Federal Credit Union
1 Year IRA Certificate
A+ 5.0 ★ TX: 3.68%
Min: $0
4.20%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

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
2.765%
▼ 0.011 vs 7 days ago

Hawaii 12-month CD rates fell 0.011 points over the past 7 days to 2.765% APY.

6-Month CD HI Avg
2.937%
▼ 0.028 vs 7 days ago

Hawaii 6-month CD rates fell 0.028 points over the past 7 days to 2.937% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

HI CD Rate Forecast, Next 12 Months

Where are Hawaii CD rates headed through October 2027?

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

HI 12-Month Avg APY
2.765%
6-Month Forecast
2.765%
Range: 2.57%, 2.92%
12-Month Forecast
3.015%
Range: 2.82%, 3.17%

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 1.61% 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 1.915% $95.77 $191.54 $478.85 $957.70
6-Month CD 2.937% $146.86 $293.72 $734.30 $1,468.60
12-Month CD 2.765% $138.27 $276.54 $691.35 $1,382.70
18-Month CD 2.821% $141.03 $282.06 $705.15 $1,410.30
24-Month CD 2.543% $127.15 $254.29 $635.73 $1,271.45
36-Month CD 2.629% $131.46 $262.92 $657.30 $1,314.60
48-Month CD 2.726% $136.32 $272.64 $681.60 $1,363.20
60-Month CD 2.928% $146.38 $292.76 $731.90 $1,463.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

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 1.915% $95.77
2 6-Month CD $5,000 2.937% $146.86
3 12-Month CD $5,000 2.765% $138.27
4 24-Month CD $5,000 2.543% $127.15
5 36-Month CD $5,000 2.629% $131.46
Total ($25,000 invested) $25,000 2.558% blended $639.51/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.

Powered byMonitorBankRates
358
CD Rates
Tracked in Hawaii
7 Banks 35 Credit Unions

About Our Hawaii CD Rate Database

MonitorBankRates tracks 358 CD rates from 7 banks and 35 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 to 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: CU Hawaii Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. 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 35 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: 42 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
$133/yr
At HI 12-mo avg 2.765% 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 2.765%, saving 10% of the local median salary ($4,818/year) and putting it in a CD would earn an additional $133 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 to 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, Maui County Federal Credit Union is offering its Share Certificates - 6-month at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CU Hawaii Federal Credit Union is offering its 60 Month Certificates at 4.50% 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:
  • CU Hawaii Federal Credit Union: 4.50% APY (60 Month Certificates)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Big Island Federal Credit Union: 4.33% APY (5 Years Term Share Certificate)
  • Maui County Federal Credit Union: 4.25% APY (Share Certificates - 6-month)
  • Kauai Teachers Federal Credit Union: 4.20% APY (1 Year IRA Certificate)
  • Kauai Federal Credit Union: 4.20% APY (18 Month Jumbo Certificates)
  • Hawaii Federal Credit Union: 4.10% APY (12 Month Certificates)
  • Kahului Federal Credit Union: 4.05% APY (6 Month Share Certificate)
  • Finance Factors: 4.00% APY (36-Month CD)
  • Maui Teachers Federal Credit Union: 4.00% APY (6 month Share Certificate)
Rates reflect recent verified offers available in Hawaii. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Hawaii CD Rates by Term

Verified October 13, 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.

CD Calculators for Hawaii

Hawaii CD Calculator

At today’s HI top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.

Hawaii CD Ladder

HI CD rates currently range from 1.915% (3-month) to 2.629% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Hawaii CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Hawaii’s average 12-month CD is 2.765% 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

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: October 13, 2026

Hawaii Rates & Resources

$
Hawaii Mortgage Rates
$
Hawaii Refinance Rates
$
Hawaii Home Equity Loan Rates
$
Hawaii Savings Rates
$
Hawaii Money Market Rates
$
Hawaii Checking Rates
$
Hawaii Auto Loan Rates
$
Hawaii Personal Loan Rates
$
Hawaii Homeowners Insurance
$
Hawaii Car Insurance

Cities in Hawaii