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CD Rates Hilo, Hawaii (HI) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| 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: April 3, 2026

Current Hilo, Hawaii CD rates include Bank of HopeBank of Hope315 E Makaala St, Hilo, HI 96720A+5.0 ★Texas Ratio: 3.52% offering 12-month CD at 3.80% APY, CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union476 Hinano St, Hilo, HI 96720A+5.0 ★Texas Ratio: 0.96% offering 12 Month Certificates & IRA Certificates at 3.70% APY, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union375 Kekuanaoa St, Hilo, HI 96720A+5.0 ★Texas Ratio: 2.50% offering 1-Year (365 days) Jumbo Certificate at 3.35% APY, Finance FactorsFinance Factors605 Laukapu St, Hilo, HI 96720A+5.0 ★Texas Ratio: 0.99% offering 3-Month CD at 3.30% APY, and American Savings Bank, FSBAmerican Savings Bank, FSB100 Pauahi St, Hilo, HI 96720A+5.0 ★Texas Ratio: 2.15% offering 6-Month Term at 3.10% APY. CD rates as of April 3, 2026 according to verified data from MonitorBankRates.

To help you find the best CD rates in Hilo, Hawaii, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.

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: April 3, 2026

Compare Best CD Rates in Hilo, Hawaii & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
3-Month CD
$1,000
3.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Deposit must be drawn from a financial institution other than Finance Factors.

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1339 Kinoole St, Hilo, HI 96720
Bankohana New Money Special CD 3 Month
$25,000
3.05%
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 3, 2026
Details

Minimum balance and qualifying deposit of $25,000 - $99,999.99

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
3-Month Term
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
32 - 90 day Jumbo CD
$100,000
0.03%
View
▼
Rate0.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
3-month CD
$0
0.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI 96766
3-Month Share Certificate
$1,000
0.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
107 E Wakea Ave, Kahului, HI 96732
3 Month Share Certificates
$1,000
0.25%
View
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

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: 0.96%
476 Hinano St, Hilo, HI 96720
6 Month Certificates & IRA Certificates
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
6-Month (182 days) Share Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
6-Month Term
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1339 Kinoole St, Hilo, HI 96720
Bankohana New Money Special CD 6 Month
$5,000
3.05%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 3, 2026
Details

Minimum balance and qualifying deposit of $5,000 - $24,999.99

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
91 - 180 day Jumbo CD
$100,000
0.03%
View
▼
Rate0.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 3, 2026
Details

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI 96766
6-Month Share Certificate
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
56 576 Kamehameha Hwy, Kahuku, HI 96731 2211
6-month CD
$0
3.91%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
2969 Umi St, Lihue, HI 96766 1345
6-Month CD
$0
3.81%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
6-Month Term
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
6-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI 96813 3016
6 Month Share Certificate
$1,000
3.20%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
6 Month Share Certificate
$0
2.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
6-Month Term (Regular Share Certificates Only)
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI 96850
6 mo Certificates
$10,000
0.70%
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 3, 2026
Details

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
6-Month Term Share
$1,000
0.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
315 E Makaala St, Hilo, HI 96720
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Limited time offer. Only available in our branches.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
12 Month Certificates & IRA Certificates
$0
3.70%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year (365 days) Jumbo Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
12-Month CD
$1,000
3.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Deposit must be drawn from a financial institution other than Finance Factors.

HELCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI 96720
Certificate - 1 year
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1339 Kinoole St, Hilo, HI 96720
Bankohana New Money Special CD 12 Month
$5,000
2.95%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 3, 2026
Details

Minimum balance and qualifying deposit of $5,000 - $24,999.99

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
12-Month Term
$0
2.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
1 year IRA
$500
0.04%
View
▼
Rate0.04%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6699 Mokapu Rd, KAILUA, HI 96734
IRA Certificates - 1 year (13 months)
$500
3.85%
View
▼
Rate3.79%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
4493 Pahee St, Lihue, HI 96766
1-Year Share Certificate
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
765 Bishop St, Honolulu, HI 96813
12-Month CD
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
12-Month Term
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI 96850
12 mo Certificates
$500
3.45%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
12 Month Share Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2145 Wells St Ste 101, Wailuku, HI 96793
1 Year Share Certificate
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
Traditional IRA & Roth IRA 1 year certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
12-Month Term Share
$1,000
0.20%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
600 Kapiolani Blvd Ste 203, Honolulu, HI 96813
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
18-Month CD
$1,000
3.15%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Deposit must be drawn from a financial institution other than Finance Factors.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
18-Month Jump Start Add-On Share Certificate
$0
1.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
18 month Variable Rate IRA
$25
0.04%
View
▼
Rate0.04%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
18 Month Share Certificate
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
18-Month Term
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
18 Month Share Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
18-Month Certificate
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

$1,000 minimum & early withdrawal penalty may be imposed.

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
300 Ala Moana Blvd, Honolulu, HI 96850
18 mo Certificates
$500
1.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.

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: 0.96%
476 Hinano St, Hilo, HI 96720
24 Month Certificates & IRA Certificates
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
2-Year (730 days) Share Certificate
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
2 year IRA
$100
0.06%
View
▼
Rate0.06%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
24 month IRA Share Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
24-Month Term
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI 96813 3016
24 Month Share Certificate
$500
3.30%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
24-Month Term
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
24 Month Share Certificate
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
832 S Hotel St, Honolulu, HI 96813 2573
24-Month Certificate
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

$1,000 minimum & early withdrawal penalty may be imposed.

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
27 251 Old Mamalahoa Hwy, Papaikou, HI 96781
Traditional IRA & Roth IRA 2 year certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
24-Month Term Share
$1,000
0.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
24 or 36-Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
3-Year (1,095 days) Share Certificate
$0
1.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
3 year IRA
$100
0.08%
View
▼
Rate0.08%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
36 Month Share Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
36-Month Term
$0
3.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
36-Month Term
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
801 S Beretania St, Honolulu, HI 96813
36 Month Share Certificate
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 3-Year
$1,000
1.50%
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
36-Month Term Share
$1,000
0.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
525 Kilauea Ave, Hilo, HI 96720
4 year IRA
$100
0.08%
View
▼
Rate0.08%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
48 Month Share Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
48-Month Term
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES* 4-year
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
48-Month Term
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
1914 S KING ST STE 100, Honolulu, HI 96826 2162
IRA Certificate 4-Year
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
48-Month Term Share
$1,000
0.30%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
48 or 60-Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
5-Year (1,825 days) Share Certificate
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
PO Box 860669, Wahiawa, HI 96786 0669
60 Month Share Certificate
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
233 Vineyard St, Honolulu, HI 96813 2446
60-Month Term
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
224 Kehalani Drive, Wailuku, HI 96793
SHARE CERTIFICATES* 5-year
$1,000
3.00%
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
133 Maa St, Kahului, HI 96732 3603
60-Month Term
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI 96813 3016
60 Month Share Certificate
$500
1.50%
View
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
333 Queen St, Honolulu, HI 96813
60-Month Term Share
$1,000
0.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Frequently Asked Questions about CD Rates in Hilo, Hawaii

Are CD rates in Hilo, Hawaii FDIC insured?

Yes, most established banks in Hilo, 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 Hilo, 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 Hilo, 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 Hilo, 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 Hilo, Hawaii?

Here are recent top rates found for this area:
  • Bank of Hope: 3.80% APY (12-month CD)
  • CU Hawaii Federal Credit Union: 3.70% APY (12 Month Certificates & IRA Certificates)
  • HawaiiUSA Federal Credit Union: 3.35% APY (1-Year (365 days) Jumbo Certificate)
  • Finance Factors: 3.30% APY (3-Month CD)
  • American Savings Bank, FSB: 3.10% APY (6-Month Term)
  • Bank of Hawaii: 3.05% APY (Bankohana New Money Special CD 3 Month)
  • HELCO Federal Credit Union: 3.00% APY (Certificate - 1 year)
  • Central Pacific Bank: 0.08% APY (3 year IRA)
  • Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
  • Gather Federal Credit Union: 4.00% APY (6-Month Share Certificate)
Rates reflect recent verified offers available in Hilo, Hawaii. Last Updated: April 3, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hilo, Hawaii directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Hilo, 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: April 3, 2026

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