Hilo, Hawaii CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Hilo, Hawaii CD rates include Bank of HopeBank of Hope315 E Makaala St, Hilo, HI 96720A+5.0 ★Texas Ratio: 3.52%Real return: +1.00%APY minus CPI (February 2026) offering 12-month CD at 3.80% APY, Hawaii Community Federal Credit UnionHawaii Community Federal Credit Union111 Aupuni St, Hilo, HI 96720 4233A+5.0 ★Texas Ratio: 3.16%Real return: +0.95%APY minus CPI (February 2026) offering 12 month at 3.75% APY, CU Hawaii Federal Credit UnionCU Hawaii Federal Credit Union476 Hinano St, Hilo, HI 96720A+5.0 ★Texas Ratio: 0.96%Real return: +0.90%APY minus CPI (February 2026) offering 12 Month Certificates & IRA Certificates at 3.70% APY, Hawaii County Employees Federal Credit UnionHawaii County Employees Federal Credit Union131 Puuhonu Way, Hilo, HI 96720A+5.0 ★Texas Ratio: 1.21%Real return: +0.80%APY minus CPI (February 2026) offering 1 Year at 3.60% APY, and Big Island Federal Credit UnionBig Island Federal Credit Union66 Lono St, Hilo, HI 96720 4144A+5.0 ★Texas Ratio: 5.00%Real return: +0.76%APY minus CPI (February 2026) offering Term Share Certificates 6 Months at 3.56% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Hilo has 70 local institutions in our database, with CD rates as high as 3.80% APY from Bank of Hope at 315 E Makaala St, Hilo, HI 96720. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Hawaii area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in 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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
3-Month & 6-Month Term Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Funds must originate from another financial institution.
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
3-Month Term Certificate of Deposit (CD)
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
3-Month Term Certificate of Deposit (CD)
$50,000
2.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Balance from Another Financial Institution
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
3 month
$2,000
1.00%
▼
Rate1.00%
Min Deposit$2,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Certificates 90 Days
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
3-month CD
$0
0.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month Share Certificates
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
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%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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) Jumbo Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
6-Month Jumbo Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
6-Month (182 days) Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
6-Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
6-Month Share Certificate (182 days)
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Certificate 6-Month (182 days)
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
6-Month Term Certificate of Deposit (CD)
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
3-Month & 6-Month Term Certificate of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Funds must originate from another financial institution.
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
6-Month Term Certificate of Deposit (CD)
$50,000
2.75%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Balance from Another Financial Institution
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
6 month
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL!
$2,500
4.06%
▼
Rate4.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
6-month CD
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 6 Month
$10,000
3.85%
▼
Rate3.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6-Month CD
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Share Certificates 6 months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
6 Month Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 6 Months CD Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
6 Month Share Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Months Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES 6-month
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 6-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6 Month Share Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
IRA Certificates 6 Months
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Months Share Certificates
$500
1.50%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Certificates 6 Months
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6-Month Term Share Certificates and IRA Certificates
$0
1.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6-Month Term Share Certificates and IRA Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
6 mo Certificates
$10,000
0.70%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
6 Month Share Certificate
$1,000
0.55%
▼
Rate0.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
6-Month Term Share
$0
0.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
12 month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
12 Month Certificates & IRA Certificates
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI 96720
1 Year
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 12 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
IRA Certificates 12 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum balance to open certificate is $500. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year Add-On (365 days)
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year Add-On (365 days) Share Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
12-Month CD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
12-Month eCD
$1,000
3.20%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
You must open this account online.
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year Share Certificate (365 days)
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year Share Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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) Share Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 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)
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HELCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1437 Kilauea Ave Ste 105, Hilo, HI 96720
Certificate - 1 year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
12-Month Term Certificate of Deposit (CD)
$50,000
2.90%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
Budget 12 month
$200
2.75%
▼
Rate2.72%
Min Deposit$200
Min Balance—
UpdatedMay 6, 2026
Details
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
100 Pauahi St, Hilo, HI 96720
12-Month Term Certificate of Deposit (CD)
$50,000
2.65%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Balance from Another Financial Institution
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year IRA (365 days)
$500
1.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
1-Year Roth IRA (365 days)
$500
1.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 1 year (13 months)
$500
3.85%
▼
Rate3.79%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 12 Month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 month IRA Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12-Month Share Certificate Special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Share Certificates 12 months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Share Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
12 Month Share Certificates
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1 Year Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 12-month Certificate
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES 1-year
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12-Month Term Share Certificates and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
1 Year Share Certificates
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 1-Year
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 1-Year
$2,500
3.00%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 12 Months CD Special
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12-Month Term Share Certificates and IRA Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Certificates 12 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
IRA Certificates 12 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $500
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12-Month Business Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Months Share Certificates
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
IRA Certificates 12 Months
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Share Certificate
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
12 Month Share Certificate
$1,000
0.65%
▼
Rate0.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
IRA 1 year certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
1 Year Share Certificate
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
18 month
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 18 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
18 Months Certificates & IRA Certificates
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
18-Month CD
$1,000
3.15%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
18-Month (547 days) Share Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
18-Month Income (547 days) Share Certificate
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Certificate 18-Month (547 days)
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Certificate 18-Month Income (547 days)
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18-Month Term Share Certificates and IRA Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 18 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18-Month Term Share Certificates and IRA Certificates
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate SPECIAL
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
18 Month Share Certificates
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 18-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18-Month Business Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Certificates 18 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
IRA Certificates 18 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $500
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
18 mo Certificates
$10,000
1.00%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI 96720
2 Year
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
IRA Certificates 2 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum balance to open certificate is $500. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 2 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
24 Month Certificates & IRA Certificates
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
24 month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
24-Month eCD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
You must open this account online.
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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Certificate 2-Year (730 days)
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 month IRA Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2 Year Share Certificates
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
2 Year Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 Month Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Share Certificates 2 years
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24-Month Term Share Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 2 years
$500
3.10%
▼
Rate3.06%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24-Month Term Share Certificates and IRA Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
24 Month Share Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES 2-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 24 Month
$10,000
2.83%
▼
Rate2.80%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 24-month Certificate
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
24-Month Business Certificate
$0
2.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
24 Month Share Certificates
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Certificates 24 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Minimum $1000
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Months Share Certificates
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
IRA Certificates 24 Months
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 2-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 2-Year
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
24 Month Share Certificate
$1,000
0.90%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
IRA 2 year certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
2 Year Share Certificate
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
24-Month Term Share
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 3 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
605 Laukapu St, Hilo, HI 96720
24 or 36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
36 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
36 Months Certificates & IRA Certificates
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
3-Year IRA (1,095 days)
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
3-Year Roth IRA (1,095 days)
$500
1.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Certificate 3-Year (1,095 days)
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Year Share Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36-Month Term Share Certificates and IRA Certificates
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36-Month Term Share Certificates and IRA Certificates
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES 3-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
36-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Year Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 36 Month
$10,000
2.93%
▼
Rate2.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Months Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
IRA Certificates 36 Months
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
36 Month Share Certificates
$500
2.68%
▼
Rate2.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
36 Month Share Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
36-Month Business Certificate
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 3 years
$500
1.65%
▼
Rate1.64%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 3-Year
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 3-Year
$2,500
1.50%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Share Certificates 3 years
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
36-Month Term Share
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 4 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
48 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
48 Months Certificates & IRA Certificates
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48-Month Term Share Certificates and IRA Certificates
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48-Month Term Share Certificates and IRA Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 48 Month
$10,000
3.09%
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES 4-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
48-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
4 Year Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
48 Month Share Certificates
$500
2.83%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
48 Months Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Share Certificates 4 years
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 4 years
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 4-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 4-Year
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
48-Month Term Share
$0
0.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
66 Lono St, Hilo, HI 96720 4144
Term Share Certificates 5 Years
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hawaii Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
111 Aupuni St, Hilo, HI 96720 4233
60 month
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
476 Hinano St, Hilo, HI 96720
60 Months Certificates & IRA Certificates
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
5-Year IRA (1,825 days)
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
5-Year Roth IRA (1,825 days)
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
375 Kekuanaoa St, Hilo, HI 96720
Business Certificate 5-Year (1,825 days)
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
60 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
60-Month Term Share Certificates and IRA Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
60-Month Term Share Certificates and IRA Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 60 Month
$10,000
3.19%
▼
Rate3.15%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES 5-year
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
5 Year Share Certificates
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
IRA 60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Traditional, Roth, Coverdell-Educational
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
60-month Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
60 Month Share Certificates
$500
2.93%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
60 Months Share Certificates
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 5 years
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
Share Certificates 5 years
$1,000
2.10%
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 5-Year
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
Share Certificate 5-Year
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
60-Month Term Share
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Hilo, Hawaii at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Hilo depositors is 3.80% APY from Bank of Hope. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Hilo, HI CD Rate Trends
Compare local Hilo, HI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — HI Avg
2.836%
▼ 0.006 vs 7 days ago
Hawaii 12-month CD rates fell 0.006 points over the past 7 days to 2.836% APY.
6-Month CD — HI Avg
2.786%
▼ 0.012 vs 7 days ago
Hawaii 6-month CD rates fell 0.012 points over the past 7 days to 2.786% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
HI CD Rate Forecast — Next 12 Months
Where are Hawaii CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
HI 12-Month Avg APY
2.836%
6-Month Forecast
2.836%
Range: 2.64% – 2.99%
12-Month Forecast
2.586%
Range: 2.39% – 2.74%
Powered by
MonitorBankRates
What Your Savings Earn at HI CD Rates Today
Annual interest earnings at today’s Hawaii average APYs. State average used where available; national average as fallback.
| CD Term | HI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.728% | $136.41 | $272.81 | $682.03 | $1,364.05 |
| 6-Month CD | 2.786% | $139.32 | $278.63 | $696.58 | $1,393.15 |
| 12-Month CD | 2.836% | $141.78 | $283.56 | $708.90 | $1,417.80 |
| 18-Month CD | 2.255% | $112.76 | $225.51 | $563.78 | $1,127.55 |
| 24-Month CD | 2.348% | $117.42 | $234.84 | $587.10 | $1,174.20 |
| 36-Month CD | 2.088% | $104.39 | $208.77 | $521.93 | $1,043.85 |
| 48-Month CD | 2.399% | $119.96 | $239.91 | $599.78 | $1,199.55 |
| 60-Month CD | 2.011% | $100.54 | $201.07 | $502.68 | $1,005.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Hilo, Hawaii Savers
$25,000 split equally across 5 terms using today’s Hawaii average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | HI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.728% | $136.41 |
| 2 | 6-Month CD | $5,000 | 2.786% | $139.32 |
| 3 | 12-Month CD | $5,000 | 2.836% | $141.78 |
| 4 | 24-Month CD | $5,000 | 2.348% | $117.42 |
| 5 | 36-Month CD | $5,000 | 2.088% | $104.39 |
| Total ($25,000 invested) | $25,000 | 2.557% blended | $639.32/yr | |
Ladder example uses equal $5,000 rungs and Hawaii average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
200
CD Rates
Tracked in Hilo, Hawaii
Tracked in Hilo, Hawaii
5 Banks
26 Credit Unions
About Our Hilo, Hawaii CD Rate Database
MonitorBankRates tracks 200 CD rates from 5 banks and 26 credit unions with locations in Hilo, Hawaii, plus national online institutions available to Hawaii residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Bank of Hope offers a CD at 3.80% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Hilo, Hawaii.
How to Find the Best CD Rates in Hilo, Hawaii
What to compare when shopping for a CD in Hilo, Hawaii
To find the best APYs in Hilo, Hawaii, start with credit unions and online-only banks — Hilo, Hawaii has 26 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Hilo, 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 Hilo, Hawaii — 31 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Hilo, Hawaii savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Hilo, Hawaii money market rates
Hilo, Hawaii Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
22.7%
National avg: 17.3%
Median Individual Earnings
$41,314
National avg: $47,340
Poverty Rate
14.5%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$117/yr
At HI 12-mo avg 2.836% APY
22.7% 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; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s HI 12-month CD average of 2.836%, saving 10% of the local median salary ($4,131/year) and putting it in a CD would earn an additional $117 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 Hilo, Hawaii
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in 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)
- Hawaii Community Federal Credit Union: 3.75% APY (12 month)
- CU Hawaii Federal Credit Union: 3.70% APY (12 Month Certificates & IRA Certificates)
- Hawaii County Employees Federal Credit Union: 3.60% APY (1 Year)
- Big Island Federal Credit Union: 3.56% APY (Term Share Certificates 6 Months)
- HawaiiUSA Federal Credit Union: 3.50% APY (6-Month (182 days) Jumbo Certificate)
- Finance Factors: 3.30% APY (48 or 60-Month CD)
- HELCO Federal Credit Union: 3.00% APY (Certificate - 1 year)
- American Savings Bank, FSB: 3.00% APY (3-Month Term Certificate of Deposit (CD))
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
Rates reflect recent verified offers available in Hilo, Hawaii. Last Updated: May 12, 2026
CD Calculators for Hilo, Hawaii
Hilo, Hawaii CD Calculator
At today’s HI top rate of 3.80% APY, a $10,000 deposit earns $380 in the first year. Enter your amount to see your exact return.
Hilo, Hawaii CD LadderHI CD rates currently range from 2.728% (3-month) to 2.088% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hilo, Hawaii CD at 3.80% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsHawaii’s average 12-month CD is 2.836% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for 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: May 12, 2026
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