CD Rates Honolulu, Hawaii (HI) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Honolulu, Hawaii CD rates include Bank of HopeBank of Hope1000 Bishop St, Honolulu, HI 96813A+5.0 ★Texas Ratio: 3.52%Real return: +1.00%APY minus CPI (February 2026) offering 12-month CD at 3.80% APY, Aloha Pacific Federal Credit UnionAloha Pacific Federal Credit Union832 S Hotel St, Honolulu, HI 96813 2573A+5.0 ★Texas Ratio: 3.29%Real return: +0.95%APY minus CPI (February 2026) offering Business 12-Month Certificate at 3.75% APY, Royal Business BankRoyal Business Bank765 Bishop St, Honolulu, HI 96813A5.0 ★Texas Ratio: 6.64%Real return: +0.95%APY minus CPI (February 2026) offering 6-Month CD at 3.75% APY, Honolulu Fire Department Federal Credit UnionHonolulu Fire Department Federal Credit Union1200 N School St, Honolulu, HI 96817 2013A+5.0 ★Texas Ratio: 3.69%Real return: +0.70%APY minus CPI (February 2026) offering 12-month certificate at 3.50% APY, and HAWAIIAN ELECTRIC EMPLOYEESHAWAIIAN ELECTRIC EMPLOYEES770 KAPIOLANI BLVD STE 514, HONOLULU, HI 96813A+5.0 ★Texas Ratio: 2.62%Real return: +0.70%APY minus CPI (February 2026) offering 3 Year Share Certificates at 3.50% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Honolulu has 51 local institutions in our database, with CD rates as high as 3.80% APY from Bank of Hope at 1000 Bishop St, Honolulu, HI 96813. 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: April 20, 2026
Compare Best CD Rates in Honolulu, Hawaii & the Surrounding Area
Deposit must be drawn from a financial institution other than Finance Factors.
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
$1,000 minimum & early withdrawal penalty may be imposed.
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
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.
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
Limited time offer. Only available in our branches.
$1,000 minimum & early withdrawal penalty may be imposed.
new money; Valid March 1-31
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.
Deposit must be drawn from a financial institution other than Finance Factors.
Biz Deluxe Checking Customers APY; Minimum Balance from Another Financial Institution
Qualifying balance up to $49,000.00
Deposit must be drawn from a financial institution other than Finance Factors.
$1,000 minimum & early withdrawal penalty may be imposed.
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.
$1,000 minimum & early withdrawal penalty may be imposed.
$1,000 minimum & early withdrawal penalty may be imposed.
$1,000 minimum & early withdrawal penalty may be imposed.
$1,000 minimum & early withdrawal penalty may be imposed.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Honolulu, HI CD Rate Trends
Compare local Honolulu, 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.
Hawaii 12-month CD rates rose 0.581 points over the past 7 days to 2.884% APY.
Hawaii 6-month CD rates rose 0.433 points over the past 7 days to 2.864% APY.
HI CD Rate Forecast — Next 12 Months
Where are Hawaii CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.629% | $131.47 | $262.94 | $657.35 | $1,314.70 |
| 6-Month CD | 2.864% | $143.22 | $286.44 | $716.10 | $1,432.20 |
| 12-Month CD | 2.884% | $144.21 | $288.41 | $721.03 | $1,442.05 |
| 18-Month CD | 2.310% | $115.48 | $230.96 | $577.40 | $1,154.80 |
| 24-Month CD | 2.394% | $119.68 | $239.36 | $598.40 | $1,196.80 |
| 36-Month CD | 2.157% | $107.85 | $215.70 | $539.25 | $1,078.50 |
| 48-Month CD | 2.490% | $124.50 | $249.00 | $622.50 | $1,245.00 |
| 60-Month CD | 2.093% | $104.65 | $209.30 | $523.25 | $1,046.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Honolulu, 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 | 2.629% | $131.47 |
| 2 | 6-Month CD | $5,000 | 2.864% | $143.22 |
| 3 | 12-Month CD | $5,000 | 2.884% | $144.21 |
| 4 | 24-Month CD | $5,000 | 2.394% | $119.68 |
| 5 | 36-Month CD | $5,000 | 2.157% | $107.85 |
| Total ($25,000 invested) | $25,000 | 2.586% blended | $646.43/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.
in Honolulu, Hawaii
About Our Honolulu, Hawaii CD Rate Database
MonitorBankRates tracks CD rates from 6 banks and 18 credit unions with locations in Honolulu, 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 Honolulu, Hawaii.
How to Find the Best CD Rates in Honolulu, Hawaii
What to compare when shopping for a CD in Honolulu, Hawaii
To find the best APYs in Honolulu, Hawaii, start with credit unions and online-only banks — Honolulu, Hawaii has 18 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 Honolulu, 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 Honolulu, Hawaii — 24 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Honolulu, Hawaii savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Honolulu, Hawaii money market rates
Hawaii Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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 2.884%, saving 10% of the local median salary ($4,818/year) and putting it in a CD would earn an additional $139 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 Honolulu, 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 Honolulu, Hawaii
Are CD rates in Honolulu, Hawaii FDIC insured?
Do I have to pay state taxes on CD interest in Honolulu, Hawaii?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Honolulu, Hawaii?
- Bank of Hope: 3.80% APY (12-month CD)
- Aloha Pacific Federal Credit Union: 3.75% APY (Business 12-Month Certificate)
- Royal Business Bank: 3.75% APY (6-Month CD)
- Honolulu Fire Department Federal Credit Union: 3.50% APY (12-month certificate)
- HAWAIIAN ELECTRIC EMPLOYEES: 3.50% APY (3 Year Share Certificates)
- HOCU Honolulu Federal Credit Union: 3.45% APY (12 mo Certificates)
- Hawaii Schools Federal Credit Union: 3.40% APY (60-Month Term Share Certificates and IRA Certificates)
- Hawaii Law Enforcement Federal Credit Union: 3.35% APY (12 Month Share Certificate)
- Finance Factors: 3.30% APY (48 or 60-Month CD)
- HawaiiUSA Federal Credit Union: 3.25% APY (6-Month (182 days) Share Certificate)
CD Calculators for Honolulu, Hawaii
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.
Honolulu, Hawaii CD LadderHI CD rates currently range from 2.629% (3-month) to 2.157% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Honolulu, 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 2.884% 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 Honolulu, 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 Honolulu, 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.
