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CD Rate Trends

Kihei, Hawaii Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Kihei, Hawaii CD rates range from 0.01% to 4.50% APY, verified by MonitorBankRates as of October 13, 2026. Current Kihei, Hawaii CD rates include HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union41 E Lipoa St Ste 25, Kihei, HI 96753A+5.0 ★Texas Ratio: 2.02%Real return: +0.70%APY minus CPI (February 2026) offering 6 Month Jumbo Certificate at 3.50% APY, Bank of HawaiiBank of Hawaii1280 S Kihei Rd Ste 116, Kihei, HI 96753A+5.0 ★Texas Ratio: 1.43%Real return: +0.60%APY minus CPI (February 2026) offering 12 Month Bankohana New Money Special CD at 3.40% APY, First Hawaiian BankFirst Hawaiian Bank41 East Lipoa Street Number 28, Kihei, HI 96753A+5.0 ★Texas Ratio: 1.55%Real return: +0.40%APY minus CPI (February 2026) offering 6-month CD at 3.20% APY, Central Pacific BankCentral Pacific Bank207 Piikea Ave Ste 6 63, Kihei, HI 96753A+5.0 ★Texas Ratio: 2.64%Real return: +0.35%APY minus CPI (February 2026) offering Exceptional Preferred Certificate of Deposit (CD) Special - 6 months at 3.15% APY, and American Savings Bank, FSBAmerican Savings Bank, FSB255 Piikea Ave, Kihei, HI 96753A+5.0 ★Texas Ratio: 1.72%Real return: +0.20%APY minus CPI (February 2026) offering 3-Month & 6-Month Term at 3.00% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Kihei has 76 local institutions in our database, with CD rates as high as 3.50% APY from HawaiiUSA Federal Credit Union at 41 E Lipoa St Ste 25, Kihei, HI 96753. 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, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

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

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Kihei 3 Month CD Rates

Hawaii 3 Month CD Average1.92% APYNational 2.09%▲ 0.13% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Bankohana New Money Special CD
$25,000
3.20% ▲ 1.28% above Hawaii avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 1.28% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Regular Promo CD
$100,000
3.20% ▲ 1.28% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 1.28% above avgNationally 2.09%
Details

Minimum deposit of $100,000 or more

Rate History
2 changes since Sep 18, 2026 · 3.15% → 3.20% ▲ 0.05 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 18, 2026: 3.15% APYSep 24, 2026: 2.90% APYOct 7, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.20%▲ from 2.90%
  • Sep 24, 20262.90%▼ from 3.15%
  • Sep 18, 20263.15%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Regular Promo CD
$25,000
3.15% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 1.23% above avgNationally 2.09%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.20% → 3.15% ▼ 0.05 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 18, 2026: 3.20% APYSep 27, 2026: 2.90% APYOct 7, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.15%▲ from 2.90%
  • Sep 27, 20262.90%▼ from 3.20%
  • Sep 18, 20263.20%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
255 Piikea Ave, Kihei, HI 96753
3-Month & 6-Month Term
$0
3.00% ▲ 1.08% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▲ 1.08% above avgNationally 2.09%
Details

Funds must originate from another financial institution.

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
3-month CD
$1,000
2.95% ▲ 1.03% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▲ 1.03% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
2.45%2.98%3.50%Sep 14, 2026: 3.00% APYOct 12, 2026: 2.95% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20262.95%▼ from 3.00%
  • Sep 14, 20263.00%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Regular New Money Special CD
$100,000
2.90% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.98% above avgNationally 2.09%
Details

Minimum deposit of $100,000 or more

Rate History
2 changes since Sep 18, 2026 · 2.90% → 2.90% ▼ 0.00 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 18, 2026: 2.90% APYSep 27, 2026: 3.15% APYOct 7, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.90%▼ from 3.15%
  • Sep 27, 20263.15%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Regular Promo CD
$100,000
2.90% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.98% above avgNationally 2.09%
Details

Minimum deposit of $100,000 or more

Rate History
1 change since Sep 18, 2026 · 3.15% → 2.90% ▼ 0.25 pts · high 3.15% / low 2.90%
2.40%3.03%3.65%Sep 18, 2026: 3.15% APYSep 24, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20262.90%▼ from 3.15%
  • Sep 18, 20263.15%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Regular New Money Special CD
$2,500
2.80% ▲ 0.88% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.88% above avgNationally 2.09%
Details

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

Rate History
2 changes since Sep 18, 2026 · 2.80% → 2.80% ▼ 0.00 pts · high 3.15% / low 2.80%
2.30%2.97%3.65%Sep 18, 2026: 2.80% APYSep 27, 2026: 3.15% APYOct 7, 2026: 2.80% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.80%▼ from 3.15%
  • Sep 27, 20263.15%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
255 Piikea Ave, Kihei, HI 96753
3-Month Term
$0
2.75% ▲ 0.83% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▲ 0.83% above avgNationally 2.09%
Details

Biz Deluxe Checking Customers APY: 3.00%

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
3 Month Regular Promo CD
$2,500
2.70% ▲ 0.78% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▲ 0.78% above avgNationally 2.09%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.15% → 2.70% ▼ 0.45 pts · high 3.15% / low 2.70%
2.20%2.93%3.65%Sep 18, 2026: 3.15% APYSep 24, 2026: 2.70% APYSep 18, 2026Oct 14, 2026
  • Sep 24, 20262.70%▼ from 3.15%
  • Sep 18, 20263.15%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
32 - 90 day Jumbo CD
$100,000
0.03% ▼ 1.89% below Hawaii avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▼ 1.89% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
32 - 90 day CD
$500
0.01% ▼ 1.91% below Hawaii avg
View
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▼ 1.91% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
91 - 180 day CD (3 months to less than 6 months)
$500
0.01% ▼ 1.91% below Hawaii avg
View
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average1.92%▼ 1.91% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 14, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
3-Month CD
$1,000
3.15% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average1.92%▲ 1.23% above avgNationally 2.09%
Details

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

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 14, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
90 Day Certificates
$1,000
1.00% ▼ 0.92% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 0.92% below avgNationally 2.09%
Details

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

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 14, 2026
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
3-month CD
$500
0.80% ▼ 1.12% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 1.12% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Share Certificate
$1,000
0.50% ▼ 1.42% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.92%▼ 1.42% below avgNationally 2.09%
Details

Rates effective as of 1/2/2025

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

Rate History
No change since Oct 8, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 8, 2026: 0.25% APYOct 8, 2026Oct 14, 2026

Kihei 6 Month CD Rates

Hawaii 6 Month CD Average2.93% APYNational 2.77%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
6 Month Jumbo Certificate
$0
3.50% ▲ 0.57% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.77%
Details

Balance: $100,000.00

Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 16, 2026: 3.50% APYSep 16, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
Business 6-Month (182 days)
$0
3.50% ▲ 0.57% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.77%
Details

Balance: $100,000.00 - $100,000.00

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
6-Month Business Certificate
$0
3.25% ▲ 0.32% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.77%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
6-Month Share Certificate
$0
3.25% ▲ 0.32% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 14, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
6-month CD
$150,000
3.20% ▲ 0.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.27% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.20% ▼ 0.05 pts · high 3.25% / low 3.20%
2.70%3.23%3.75%Sep 14, 2026: 3.25% APYOct 12, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.20%▼ from 3.25%
  • Sep 14, 20263.25%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
Exceptional Preferred Certificate of Deposit (CD) Special - 6 months
$20,000
3.15% ▲ 0.22% above Hawaii avg
View
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 7, 2026: 3.15% APYOct 7, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
Exceptional Preferred IRA - 6 month
$20,000
3.15% ▲ 0.22% above Hawaii avg
View
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.22% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
2.50%3.08%3.65%Sep 18, 2026: 3.00% APYOct 2, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.15%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
6-month CD
$75,000
3.10% ▲ 0.17% above Hawaii avg
View
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.17% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYOct 12, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
6 Month Bankohana New Money Special CD
$5,000
3.05% ▲ 0.12% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.12% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 5 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
6 Month Regular Promo CD
$100,000
3.05% ▲ 0.12% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.12% above avgNationally 2.77%
Details

Minimum deposit of $100,000 or more

Rate History
2 changes since Sep 18, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.60%
2.10%2.83%3.55%Sep 18, 2026: 2.95% APYSep 24, 2026: 2.60% APYOct 7, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.05%▲ from 2.60%
  • Sep 24, 20262.60%▼ from 2.95%
  • Sep 18, 20262.95%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
6-month CD
$1,000
3.00% ▲ 0.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.77%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
2.50%3.03%3.55%Sep 14, 2026: 3.05% APYOct 12, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.00%▼ from 3.05%
  • Sep 14, 20263.05%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
6 Month Regular Promo CD
$5,000
2.95% ▲ 0.02% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▲ 0.02% above avgNationally 2.77%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.05% → 2.95% ▼ 0.10 pts · high 3.05% / low 2.60%
2.10%2.83%3.55%Sep 18, 2026: 3.05% APYSep 27, 2026: 2.60% APYOct 7, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.95%▲ from 2.60%
  • Sep 27, 20262.60%▼ from 3.05%
  • Sep 18, 20263.05%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
255 Piikea Ave, Kihei, HI 96753
6-Month Term
$0
2.75% ▼ 0.18% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Biz Deluxe Checking Customers APY: 3.00%

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
6 Month Regular New Money Special CD
$2,500
2.60% ▼ 0.33% below Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▼ 0.33% below avgNationally 2.77%
Details

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

Rate History
2 changes since Sep 18, 2026 · 2.60% → 2.60% ▼ 0.00 pts · high 2.95% / low 2.60%
2.10%2.78%3.45%Sep 18, 2026: 2.60% APYSep 27, 2026: 2.95% APYOct 7, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.60%▼ from 2.95%
  • Sep 27, 20262.95%▲ from 2.60%
  • Sep 18, 20262.60%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
6 Month Regular Promo CD
$2,500
2.60% ▼ 0.33% below Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▼ 0.33% below avgNationally 2.77%
Details

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

Rate History
2 changes since Sep 18, 2026 · 2.95% → 2.60% ▼ 0.35 pts · high 2.95% / low 2.35%
1.75%2.65%3.55%Sep 18, 2026: 2.95% APYSep 24, 2026: 2.35% APYSep 27, 2026: 2.60% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20262.60%▲ from 2.35%
  • Sep 24, 20262.35%▼ from 2.95%
  • Sep 18, 20262.95%first recorded
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
277 Piikea Ave, Kihei, HI 96753
Term Share 6-Month
$1,000
0.15% ▼ 2.78% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 2.78% below avgNationally 2.77%
Details

Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Sep 25, 2026: 0.15% APYSep 25, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
91 - 180 day Jumbo CD
$100,000
0.03% ▼ 2.90% below Hawaii avg
View
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▼ 2.90% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
181 - 364 day CD (6 months to less than 1 year)
$500
0.02% ▼ 2.91% below Hawaii avg
View
▼
Rate0.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▼ 2.91% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 14, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 6-month
$1,000
4.25% ▲ 1.32% above Hawaii avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month IRA Certificate
$0
4.20% ▲ 1.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.27% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Share Certificate
$0
4.20% ▲ 1.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.27% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Share Certificate
$0
4.05% ▲ 1.12% above Hawaii avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.12% above avgNationally 2.77%
Details

Rate History
1 change since Sep 20, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 20, 2026: 3.75% APYOct 4, 2026: 4.05% APYSep 20, 2026Oct 14, 2026
  • Oct 4, 20264.05%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Share Certificate
$2,500
4.00% ▲ 1.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
6 Month Share Certificate
$1,000
4.00% ▲ 1.07% above Hawaii avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Limited Time Offer

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Share Certificate
$1,000
4.00% ▲ 1.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.77%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
6-month CD
$0
3.91% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.98% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Sep 25, 2026: 3.91% APYSep 25, 2026Oct 14, 2026
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
CD Promotion: 6-month CD
$500
3.91% ▲ 0.98% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.98% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 6 Month
$10,000
3.85% ▲ 0.92% above Hawaii avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.92% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificates - 6 months
$1,000
3.75% ▲ 0.82% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Months CD Special
$0
3.75% ▲ 0.82% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Special CD rate; see footnote ** on source page

Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 12, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6-Month Share Certificate
$5,000
3.75% ▲ 0.82% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
6 Month Share Certificate
$1,000
3.75% ▲ 0.82% above Hawaii avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 0.82% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 0.82% above Hawaii avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.77%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 6 Month
$100,000
3.70% ▲ 0.77% above Hawaii avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.77% above avgNationally 2.77%
Details

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
6 Months Term Share Certificate
$500
3.56% ▲ 0.63% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.93%▲ 0.63% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 6, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 6, 2026: 3.56% APYOct 6, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 6 Month
$500
3.55% ▲ 0.62% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.62% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificates
$0
3.50% ▲ 0.57% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.77%
Details

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 6 Month
$0
3.50% ▲ 0.57% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.77%
Details

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

Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 5, 2026: 3.50% APYOct 5, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
6 Month Jumbo Certificates
$0
3.45% ▲ 0.52% above Hawaii avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.52% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
6 Month Share Certificates
$0
3.25% ▲ 0.32% above Hawaii avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
6-Month CD
$1,000
3.20% ▲ 0.27% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.93%▲ 0.27% above avgNationally 2.77%
Details

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

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 14, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-month Certificate
$1,000
3.00% ▲ 0.07% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.77%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
6 Month Share Certificate
$0
2.75% ▼ 0.18% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.77%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 12, 2026: 2.75% APYSep 12, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
6 Month Certificate
$0
2.70% ▼ 0.23% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.93%▼ 0.23% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificates - 6 Months
$500
1.50% ▼ 1.43% below Hawaii avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.43% below avgNationally 2.77%
Details

IRA certificate rates are compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 6 Months
$500
1.50% ▼ 1.43% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.43% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 Month Certificates
$1,000
1.26% ▼ 1.67% below Hawaii avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.67% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 25, 2026: 1.26% APYSep 25, 2026Oct 14, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
6 Month Certificate
$0
1.25% ▼ 1.68% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.68% below avgNationally 2.77%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Share Certificates and IRA Certificates - 6-Month Term
$0
1.00% ▼ 1.93% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▼ 1.93% below avgNationally 2.77%
Details

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

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 14, 2026

Kihei 12 Month CD Rates

Hawaii 12 Month CD Average2.75% APYNational 2.99%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
12 Month Bankohana New Money Special CD
$5,000
3.40% ▲ 0.65% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.75%▲ 0.65% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
1 Year Jumbo Certificate
$0
3.35% ▲ 0.60% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.60% above avgNationally 2.99%
Details

Balance: $100,000.00

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
Business 1-Year (365 days)
$0
3.35% ▲ 0.60% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.60% above avgNationally 2.99%
Details

Balance: $100,000.00 - $100,000.00

Rate History
No change since Oct 12, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 12, 2026: 3.35% APYOct 12, 2026Oct 14, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
12 Month Regular Promo CD
$5,000
3.30% ▲ 0.55% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.75%▲ 0.55% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.30% → 3.30% ▼ 0.00 pts · high 3.30% / low 2.90%
2.40%3.10%3.80%Sep 18, 2026: 3.30% APYSep 27, 2026: 2.90% APYOct 7, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.30%▲ from 2.90%
  • Sep 27, 20262.90%▼ from 3.30%
  • Sep 18, 20263.30%first recorded
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
1-Year Add-On Share Certificate
$0
3.20% ▲ 0.45% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 25, 2026: 3.20% APYSep 25, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
1-Year Business Certificate
$0
3.10% ▲ 0.35% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.35% above avgNationally 2.99%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Sep 25, 2026: 3.10% APYSep 25, 2026Oct 14, 2026
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
12 Month Regular New Money Special CD
$2,500
2.90% ▲ 0.15% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.75%▲ 0.15% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 18, 2026 · 2.90% → 2.90% ▼ 0.00 pts · high 3.30% / low 2.90%
2.40%3.10%3.80%Sep 18, 2026: 2.90% APYSep 27, 2026: 3.30% APYOct 7, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20262.90%▼ from 3.30%
  • Sep 27, 20263.30%▲ from 2.90%
  • Sep 18, 20262.90%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
12 Month Regular Promo CD
$2,500
2.90% ▲ 0.15% above Hawaii avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.75%▲ 0.15% above avgNationally 2.99%
Details

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

Rate History
2 changes since Sep 18, 2026 · 3.30% → 2.90% ▼ 0.40 pts · high 3.30% / low 2.20%
1.10%2.75%4.40%Sep 18, 2026: 3.30% APYSep 24, 2026: 2.20% APYSep 27, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
  • Sep 27, 20262.90%▲ from 2.20%
  • Sep 24, 20262.20%▼ from 3.30%
  • Sep 18, 20263.30%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
12-month Online CD
$1,000
2.90% ▲ 0.15% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.15% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 6 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
12-month CD
$1,000
2.85% ▲ 0.10% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.10% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85%
2.35%2.88%3.40%Sep 14, 2026: 2.90% APYOct 12, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20262.85%▼ from 2.90%
  • Sep 14, 20262.90%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
12-month IRA CD
$1,000
2.85% ▲ 0.10% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.10% above avgNationally 2.99%
Details

Promotional Rate. Available to customers who have a First Hawaiian Bank personal or business checking account. IRA CD is not available for business customers.

Rate History
1 change since Sep 14, 2026 · 2.90% → 2.85% ▼ 0.05 pts · high 2.90% / low 2.85%
2.35%2.88%3.40%Sep 14, 2026: 2.90% APYOct 12, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20262.85%▼ from 2.90%
  • Sep 14, 20262.90%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
255 Piikea Ave, Kihei, HI 96753
12-Month Term
$0
2.65% ▼ 0.10% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▼ 0.10% below avgNationally 2.99%
Details

Biz Deluxe Checking Customers APY: 2.90%

Rate History
No change since Sep 24, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Sep 24, 2026: 2.65% APYSep 24, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
1-Year IRA Share Certificate (365 days)
$500
1.75% ▼ 1.00% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▼ 1.00% below avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
1-Year Roth (365 days)
$500
1.75% ▼ 1.00% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▼ 1.00% below avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 14, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
277 Piikea Ave, Kihei, HI 96753
Term Share 12-Month
$1,000
0.20% ▼ 2.55% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▼ 2.55% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Sep 25, 2026: 0.20% APYSep 25, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
12 Month Certificate
$1,000
0.08% ▼ 2.67% below Hawaii avg
View
▼
Rate0.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.75%▼ 2.67% below avgNationally 2.99%
Details

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

Rate History
No change since Sep 18, 2026 · 0.08% APY · checked 3 times
0.00%0.29%0.58%Sep 18, 2026: 0.08% APYSep 18, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
1 year IRA
$500
0.04% ▼ 2.71% below Hawaii avg
View
▼
Rate0.04%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.75%▼ 2.71% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 2 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.60% above Hawaii avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.75%▲ 1.60% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1 Year IRA Certificate
$0
4.20% ▲ 1.45% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1 Year Share Certificate
$0
4.20% ▲ 1.45% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12 Month Certificates
$1,000
4.10% ▲ 1.35% above Hawaii avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.35% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 1.25% above Hawaii avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.75%▲ 1.25% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month Share Certificate Special
$0
4.00% ▲ 1.25% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.25% above avgNationally 2.99%
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 12, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 12, 20263.50%first recorded
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1 Year Share Certificate
$0
4.00% ▲ 1.25% above Hawaii avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.25% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 1.25% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.75%▲ 1.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 1.25% above Hawaii avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.75%▲ 1.25% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
12 Month Jumbo Certificates
$0
3.95% ▲ 1.20% above Hawaii avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 4, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certifcates - (Traditional, Roth, Educational) - 1 year (13 months)
$500
3.85% ▲ 1.10% above Hawaii avg
View
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.10% above avgNationally 2.99%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Month IRA Certificate
$500
3.82% ▲ 1.07% above Hawaii avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.75%▲ 1.07% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 18, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 18, 2026: 3.82% APYSep 18, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12 Months Term Share Certificate
$500
3.82% ▲ 1.07% above Hawaii avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.75%▲ 1.07% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 6, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 6, 2026: 3.82% APYOct 6, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
12 Month IRA Certificates
$0
3.75% ▲ 1.00% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.00% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
12 Month Share Certificates
$0
3.75% ▲ 1.00% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.00% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
2.75%3.50%4.25%Sep 14, 2026: 3.25% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.75%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 Year IRA Share Certificate
$500
3.75% ▲ 1.00% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.00% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 Year Roth Conversion IRA Share Certificate
$500
3.75% ▲ 1.00% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.00% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 Year Roth IRA Share Certificate
$500
3.75% ▲ 1.00% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.00% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Share Certificate
$1,000
3.75% ▲ 1.00% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 1.00% above avgNationally 2.99%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Certificates
$0
3.70% ▲ 0.95% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.75%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 21, 2026: 3.70% APYSep 21, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 12 Month
$0
3.70% ▲ 0.95% above Hawaii avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.75%▲ 0.95% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 12 Month
$10,000
3.60% ▲ 0.85% above Hawaii avg
View
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.75%▲ 0.85% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month IRA Share Certificate
$0
3.50% ▲ 0.75% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

IRA; Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificates - 12 months
$1,000
3.50% ▲ 0.75% above Hawaii avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 Year IRA Certificate
$1,000
3.50% ▲ 0.75% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Dividends compounded/credited: Quarterly

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 18, 2026: 3.00% APYOct 4, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Oct 4, 20263.50%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 Year Share Certificate
$5,000
3.50% ▲ 0.75% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Dividends compounded/credited: Quarterly

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1-Year Share / IRA Certificate
$5,000
3.50% ▲ 0.75% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12 Months CD Special
$0
3.50% ▲ 0.75% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Special CD rate; see footnote ** on source page

Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 12, 2026: 3.00% APYOct 4, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
  • Oct 4, 20263.50%▲ from 3.00%
  • Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate - 1-Year
$1,000
3.50% ▲ 0.75% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Dividends Compounded/Credited: Quarterly

Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 12, 2026: 3.00% APYOct 8, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
  • Oct 8, 20263.50%▲ from 3.00%
  • Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 1-Year
$5,000
3.50% ▲ 0.75% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.75% above avgNationally 2.99%
Details

Dividends compounded/credited quarterly

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 14, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
90th Anniversary Certificate Special - 12 months
$0
3.45% ▲ 0.70% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.70% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 12, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 12, 2026: 3.45% APYOct 12, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 12 Month
$100,000
3.44% ▲ 0.69% above Hawaii avg
View
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.75%▲ 0.69% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 3.44% APY · checked 2 times
2.94%3.44%3.94%Oct 5, 2026: 3.44% APYOct 5, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12-Month Certificate
$0
3.35% ▲ 0.60% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.75%▲ 0.60% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 14, 2026

Kihei 18 Month CD Rates

Hawaii 18 Month CD Average2.81% APYNational 2.88%▼ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
18-Month Jump Start Add-On Share Certificate
$0
1.60% ▼ 1.21% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 1.21% below avgNationally 2.88%
Details

Balance: $200.00 - $199.99

Rate History
No change since Oct 8, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 8, 2026: 1.60% APYOct 8, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
18-Month Business Certificate
$0
1.50% ▼ 1.31% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 1.31% below avgNationally 2.88%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
18-Month Income Business Certificate
$0
1.50% ▼ 1.31% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 1.31% below avgNationally 2.88%
Details

Balance: $25,000.00

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
18-Month Income Share Certificate
$0
1.50% ▼ 1.31% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 1.31% below avgNationally 2.88%
Details

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

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
18-Month Share Certificate
$0
1.50% ▼ 1.31% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 1.31% below avgNationally 2.88%
Details

Balance: $500.00 - $499.99

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 14, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
18-month Online CD
$1,000
0.12% ▼ 2.69% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 2.69% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 6 times
0.00%0.31%0.62%Sep 14, 2026: 0.12% APYSep 14, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
18 Month Certificate
$1,000
0.08% ▼ 2.73% below Hawaii avg
View
▼
Rate0.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.81%▼ 2.73% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 0.08% APY · checked 3 times
0.00%0.29%0.58%Sep 18, 2026: 0.08% APYSep 18, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
18 month Variable Rate IRA
$25
0.04% ▼ 2.77% below Hawaii avg
View
▼
Rate0.04%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.81%▼ 2.77% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 2 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
18 Month Jumbo Certificates
$0
4.20% ▲ 1.39% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
18 Month IRA Certificates
$0
4.00% ▲ 1.19% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
18 Month Share Certificates
$0
4.00% ▲ 1.19% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Certificates
$0
4.00% ▲ 1.19% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.81%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 21, 2026: 3.25% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 18 Months
$0
4.00% ▲ 1.19% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.81%▲ 1.19% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
18 Months Term Share Certificate
$500
3.82% ▲ 1.01% above Hawaii avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.81%▲ 1.01% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 6, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 6, 2026: 3.82% APYOct 6, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month IRA Certificate
$0
3.81% ▲ 1.00% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Share Certificate
$0
3.81% ▲ 1.00% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.89% above Hawaii avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.81%▲ 0.89% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
18 Month Share Certificate
$500
3.29% ▲ 0.48% above Hawaii avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.81%▲ 0.48% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
18 Month Share Certificate
$0
3.25% ▲ 0.44% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.44% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 18 Month
$10,000
3.09% ▲ 0.28% above Hawaii avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.81%▲ 0.28% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 14, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Share Certificates and IRA Certificates - 18-Month Term
$0
3.05% ▲ 0.24% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.24% above avgNationally 2.88%
Details

Published APY range: 3.05 to 3.20%.

Rate History
No change since Oct 12, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 12, 2026: 3.05% APYOct 12, 2026Oct 14, 2026
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate SPECIAL
$5,000
3.00% ▲ 0.19% above Hawaii avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.19% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18-month Certificate
$1,000
3.00% ▲ 0.19% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.19% above avgNationally 2.88%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Certificate
$0
3.00% ▲ 0.19% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Roth 18-Month IRA Certificate
$0
3.00% ▲ 0.19% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.19% above avgNationally 2.88%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
18 Month Share Certificate
$0
3.00% ▲ 0.19% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▲ 0.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 18 Month
$100,000
2.93% ▲ 0.12% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.81%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 2.93% APY · checked 2 times
2.43%2.93%3.43%Oct 5, 2026: 2.93% APYOct 5, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
18 Month Certificate
$0
2.90% ▲ 0.09% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.81%▲ 0.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 18 Month
$500
2.78% ▼ 0.03% below Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.81%▼ 0.03% below avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month CD
$0
2.75% ▼ 0.06% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.81%▼ 0.06% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18-Month Term
$1,000
2.75% ▼ 0.06% below Hawaii avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.81%▼ 0.06% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Business Certificate
$0
2.35% ▼ 0.46% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 0.46% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.35% APY · checked 2 times
1.85%2.35%2.85%Oct 8, 2026: 2.35% APYOct 8, 2026Oct 14, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18 Month Certificates
$1,000
2.02% ▼ 0.79% below Hawaii avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 0.79% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 4 times
1.52%2.02%2.52%Sep 25, 2026: 2.02% APYSep 25, 2026Oct 14, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18 Month IRA Certificate
$500
2.02% ▼ 0.79% below Hawaii avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 0.79% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.02% APY · checked 2 times
1.52%2.02%2.52%Oct 8, 2026: 2.02% APYOct 8, 2026Oct 14, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Certificate - 18 months
$0
1.00% ▼ 1.81% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.81%▼ 1.81% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18 Month CD
$500
0.02% ▼ 2.79% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.81%▼ 2.79% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026

Kihei 24 Month CD Rates

Hawaii 24 Month CD Average2.52% APYNational 2.88%▼ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
2-Year Business Certificate
$0
1.50% ▼ 1.02% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.02% below avgNationally 2.88%
Details

Balance: $2,500.00 - $2,500.00

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
2-Year Share Certificate
$0
1.50% ▼ 1.02% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.02% below avgNationally 2.88%
Details

Balance: $2,500.00 - $2,499.99

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 14, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
277 Piikea Ave, Kihei, HI 96753
Term Share 24-Month
$1,000
0.25% ▼ 2.27% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 2.27% below avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 14, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
24-month Online CD
$1,000
0.13% ▼ 2.39% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 2.39% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 0.13% APY · checked 6 times
0.00%0.32%0.63%Sep 14, 2026: 0.13% APYSep 14, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
2 year IRA
$100
0.06% ▼ 2.46% below Hawaii avg
View
▼
Rate0.06%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.52%▼ 2.46% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month Jumbo Certificates
$0
4.20% ▲ 1.68% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 1.68% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2 Year IRA Certificate
$500
4.07% ▲ 1.55% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.52%▲ 1.55% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
2 Years Term Share Certificate
$500
4.07% ▲ 1.55% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.52%▲ 1.55% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month IRA Certificates
$0
4.00% ▲ 1.48% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 1.48% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month Share Certificates
$0
4.00% ▲ 1.48% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 1.48% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
24 Month Certificates
$0
4.00% ▲ 1.48% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.52%▲ 1.48% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 21, 2026: 3.25% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 24 Month
$0
4.00% ▲ 1.48% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.52%▲ 1.48% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2 Year IRA Certificate
$0
3.81% ▲ 1.29% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 1.29% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2 Year Share Certificate
$0
3.81% ▲ 1.29% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 1.29% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.82% APY
3.32%3.81%4.31%Oct 12, 2026: 3.82% APYOct 12, 2026Oct 14, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
24-Month CD
$1,000
3.75% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.52%▲ 1.23% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 24, 2026: 3.40% APYOct 3, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20263.75%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
24 Month IRA Share Certificate
$0
3.75% ▲ 1.23% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 1.23% above avgNationally 2.88%
Details

IRA; Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 1.08% above Hawaii avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.52%▲ 1.08% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 14, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2 Year Share Certificate
$0
3.50% ▲ 0.98% above Hawaii avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.98% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 4, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
24 Month Share Certificate
$500
3.34% ▲ 0.82% above Hawaii avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.52%▲ 0.82% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APYSep 14, 2026Oct 14, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
2 Year Share Certificate
$1,000
3.25% ▲ 0.73% above Hawaii avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
24 Month Share Certificate
$0
3.25% ▲ 0.73% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.73% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 12, 2026: 3.25% APYSep 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificates - 2 years
$1,000
3.25% ▲ 0.73% above Hawaii avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.73% above avgNationally 2.88%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificate - 2 Year
$1,000
3.25% ▲ 0.73% above Hawaii avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.52%▲ 0.73% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 6, 2026: 3.25% APYOct 6, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
2 Year Certificate
$0
3.20% ▲ 0.68% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.52%▲ 0.68% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
2 Year IRA Certificate
$0
3.10% ▲ 0.58% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.52%▲ 0.58% above avgNationally 2.88%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Share Certificates and IRA Certificates - 24-Month Term
$0
3.10% ▲ 0.58% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.58% above avgNationally 2.88%
Details

Published APY range: 3.10% to 3.25%.

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certifcates - (Traditional, Roth, Educational) - 2 years
$500
3.10% ▲ 0.58% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.58% above avgNationally 2.88%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month Impact Certificates
$0
3.03% ▲ 0.51% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.51% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Jumbo IRA Certificate
$100,000
3.00% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate - 24 months
$500
3.00% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 24 months
$200,000
3.00% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24-month Certificate
$1,000
3.00% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 2-year
$1,000
3.00% ▲ 0.48% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Certificate
$0
3.00% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Roth 24-Month IRA Certificate
$0
3.00% ▲ 0.48% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.48% above avgNationally 2.88%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 24 Month
$10,000
2.83% ▲ 0.31% above Hawaii avg
View
▼
Rate2.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.52%▲ 0.31% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 13, 2026: 2.83% APYOct 13, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 24 Month
$100,000
2.68% ▲ 0.16% above Hawaii avg
View
▼
Rate2.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.52%▲ 0.16% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 2.68% APY · checked 2 times
2.18%2.68%3.18%Oct 5, 2026: 2.68% APYOct 5, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24-Month Business Certificate
$0
2.55% ▲ 0.03% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 8, 2026: 2.55% APYOct 8, 2026Oct 14, 2026
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
24 Month Certificates
$1,000
2.52% At Hawaii avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%At the averageNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 2.52% APY · checked 4 times
2.02%2.52%3.02%Sep 25, 2026: 2.52% APYSep 25, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 24 Month
$500
2.52% At Hawaii avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.52%At the averageNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 13, 2026: 2.52% APYOct 13, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificates - 24 Months
$500
2.50% ▼ 0.02% below Hawaii avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 0.02% below avgNationally 2.88%
Details

IRA certificate rates are compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 24 Months
$500
2.50% ▼ 0.02% below Hawaii avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 0.02% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate
$0
2.00% ▼ 0.52% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 0.52% below avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
2 Year Share Certificate
$0
2.00% ▼ 0.52% below Hawaii avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 0.52% below avgNationally 2.88%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2 Year Share Certificate
$1,000
1.75% ▼ 0.77% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 0.77% below avgNationally 2.88%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate - 2-Year
$1,000
1.50% ▼ 1.02% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.02% below avgNationally 2.88%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 2-Year
$2,500
1.50% ▼ 1.02% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.02% below avgNationally 2.88%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 - 1/2 Year Share Certificate
$1,000
1.50% ▼ 1.02% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.02% below avgNationally 2.88%
Details

Rates effective as of 1/2/2025

Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 8, 2026: 1.50% APYOct 8, 2026Oct 14, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Certificate - 2 years
$0
1.10% ▼ 1.42% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.42% below avgNationally 2.88%
Details

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

Rate History
No change since Sep 25, 2026 · 1.10% APY · checked 3 times
0.60%1.10%1.60%Sep 25, 2026: 1.10% APYSep 25, 2026Oct 14, 2026
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
24 Month Share Certificate
$1,000
0.90% ▼ 1.62% below Hawaii avg
View
▼
Rate0.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.52%▼ 1.62% below avgNationally 2.88%
Details

Dividends compounded and credited quarterly

Rate History
No change since Sep 25, 2026 · 0.90% APY · checked 3 times
0.40%0.90%1.40%Sep 25, 2026: 0.90% APYSep 25, 2026Oct 14, 2026

Kihei 36 Month CD Rates

Hawaii 36 Month CD Average2.59% APYNational 2.81%▼ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
3-Year Business Certificate
$0
1.25% ▼ 1.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.34% below avgNationally 2.81%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
3-Year IRA Share Certificate (1,095 days)
$500
1.25% ▼ 1.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.34% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 12, 2026: 1.25% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
3-Year Roth (1,095 days)
$500
1.25% ▼ 1.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.34% below avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 12, 2026: 1.25% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
3-Year Share Certificate
$0
1.25% ▼ 1.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.34% below avgNationally 2.81%
Details

Balance: $500.00 - $499.99

Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 8, 2026: 1.25% APYOct 8, 2026Oct 14, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
277 Piikea Ave, Kihei, HI 96753
Term Share 36-Month
$1,000
0.25% ▼ 2.34% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 2.34% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 14, 2026
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
41 East Lipoa Street Number 28, Kihei, HI 96753
36-month Online CD
$1,000
0.15% ▼ 2.44% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 2.44% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
36 Month Certificate
$1,000
0.13% ▼ 2.46% below Hawaii avg
View
▼
Rate0.13%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.59%▼ 2.46% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 18, 2026 · 0.13% APY · checked 3 times
0.00%0.32%0.63%Sep 18, 2026: 0.13% APYSep 18, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
3 year IRA
$100
0.08% ▼ 2.51% below Hawaii avg
View
▼
Rate0.08%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.59%▼ 2.51% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.08% APY · checked 2 times
0.00%0.29%0.58%Oct 7, 2026: 0.08% APYOct 7, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
36 Month Certificates
$0
4.30% ▲ 1.71% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.59%▲ 1.71% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
1.20%3.53%5.85%Sep 21, 2026: 2.75% APYOct 13, 2026: 4.30% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 36 Months
$0
4.30% ▲ 1.71% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.59%▲ 1.71% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month Jumbo Certificates
$0
4.20% ▲ 1.61% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 1.61% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.56% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.59%▲ 1.56% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.51% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.59%▲ 1.51% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
3 Years Term Share Certificate
$500
4.07% ▲ 1.48% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.59%▲ 1.48% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 14, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
36-Month CD
$1,000
4.00% ▲ 1.41% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.59%▲ 1.41% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month IRA Certificates
$0
4.00% ▲ 1.41% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 1.41% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month Share Certificates
$0
4.00% ▲ 1.41% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 1.41% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Year IRA Certificate
$0
3.56% ▲ 0.97% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Year Share Certificate
$0
3.56% ▲ 0.97% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.97% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
36 Month Share Certificate
$0
3.50% ▲ 0.91% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.91% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificate - 3 Year
$1,000
3.50% ▲ 0.91% above Hawaii avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.59%▲ 0.91% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 14, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36-month Certificate
$1,000
3.25% ▲ 0.66% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.66% above avgNationally 2.81%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year Certificate
$0
3.20% ▲ 0.61% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.59%▲ 0.61% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Share Certificates and IRA Certificates - 36-Month Term
$0
3.15% ▲ 0.56% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.56% above avgNationally 2.81%
Details

Published APY range: 3.15% to 3.30%.

Rate History
No change since Oct 12, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 12, 2026: 3.15% APYOct 12, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$0
3.10% ▲ 0.51% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.59%▲ 0.51% above avgNationally 2.81%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month Impact Certificates
$0
3.03% ▲ 0.44% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.44% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Jumbo IRA Certificate
$100,000
3.00% ▲ 0.41% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate - 36 months
$500
3.00% ▲ 0.41% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 36 months
$200,000
3.00% ▲ 0.41% above Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 3-year
$1,000
3.00% ▲ 0.41% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Certificate
$0
3.00% ▲ 0.41% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3 Year Share Certificate
$1,000
3.00% ▲ 0.41% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3 Year Share Certificate
$0
3.00% ▲ 0.41% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.41% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 36 Month
$10,000
2.93% ▲ 0.34% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.59%▲ 0.34% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 13, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 13, 2026: 2.93% APYOct 13, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 36 Month
$100,000
2.78% ▲ 0.19% above Hawaii avg
View
▼
Rate2.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.59%▲ 0.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 5, 2026: 2.78% APYOct 5, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificates - 36 Months
$500
2.75% ▲ 0.16% above Hawaii avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.16% above avgNationally 2.81%
Details

IRA certificate rates are compounded and paid monthly

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 36 Months
$500
2.75% ▲ 0.16% above Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▲ 0.16% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 36 Month
$500
2.68% ▲ 0.09% above Hawaii avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.59%▲ 0.09% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.68% APY
2.18%2.68%3.18%Oct 13, 2026: 2.68% APYOct 13, 2026Oct 14, 2026
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
3 Year Share Certificate
$0
2.50% ▼ 0.09% below Hawaii avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 0.09% below avgNationally 2.81%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 20, 2026: 2.50% APYSep 20, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Business Certificate
$0
2.00% ▼ 0.59% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 0.59% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 8, 2026: 2.00% APYOct 8, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36-Month Certificate
$0
2.00% ▼ 0.59% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 0.59% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Roth 36-Month IRA Certificate
$0
2.00% ▼ 0.59% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 0.59% below avgNationally 2.81%
Details

IRA/Roth IRA/ Coverdell

Rate History
No change since Oct 4, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 4, 2026: 2.00% APYOct 4, 2026Oct 14, 2026
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Year Share Certificate
$1,000
2.00% ▼ 0.59% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 0.59% below avgNationally 2.81%
Details

Rates effective as of 1/2/2025

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certifcates - (Traditional, Roth, Educational) - 3 years
$500
1.65% ▼ 0.94% below Hawaii avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 0.94% below avgNationally 2.81%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 1.65% APY
1.15%1.65%2.15%Oct 12, 2026: 1.65% APYOct 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificates - 3 years
$1,000
1.50% ▼ 1.09% below Hawaii avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.09% below avgNationally 2.81%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate - 3-Year
$1,000
1.50% ▼ 1.09% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.09% below avgNationally 2.81%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 12, 2026: 1.50% APYSep 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 3-Year
$2,500
1.50% ▼ 1.09% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.09% below avgNationally 2.81%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Sep 18, 2026: 1.50% APYSep 18, 2026Oct 14, 2026
HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
Certificate - 3 years
$0
1.20% ▼ 1.39% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.39% below avgNationally 2.81%
Details

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

Rate History
No change since Sep 25, 2026 · 1.20% APY · checked 3 times
0.70%1.20%1.70%Sep 25, 2026: 1.20% APYSep 25, 2026Oct 14, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Share Certificate
$0
0.60% ▼ 1.99% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 1.99% below avgNationally 2.81%
Details

Fire Level

Rate History
No change since Oct 12, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 12, 2026: 0.60% APYOct 12, 2026Oct 14, 2026
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Share Certificate
$0
0.50% ▼ 2.09% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.59%▼ 2.09% below avgNationally 2.81%
Details

Lifeline Level

Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 14, 2026

Kihei 48 Month CD Rates

Hawaii 48 Month CD Average2.70% APYNational 2.80%▼ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
277 Piikea Ave, Kihei, HI 96753
Term Share 48-Month
$1,000
0.30% ▼ 2.40% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▼ 2.40% below avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Sep 25, 2026: 0.30% APYSep 25, 2026Oct 14, 2026
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
4 year IRA
$100
0.08% ▼ 2.62% below Hawaii avg
View
▼
Rate0.08%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.70%▼ 2.62% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.08% APY · checked 2 times
0.00%0.29%0.58%Oct 7, 2026: 0.08% APYOct 7, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Certificates
$0
4.30% ▲ 1.60% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.70%▲ 1.60% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
1.20%3.53%5.85%Sep 21, 2026: 2.75% APYOct 13, 2026: 4.30% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.30%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 48 Months
$0
4.30% ▲ 1.60% above Hawaii avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.70%▲ 1.60% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 5, 2026: 4.30% APYOct 5, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month Jumbo Certificates
$0
4.20% ▲ 1.50% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 1.50% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
4 Years Term Share Certificate
$500
4.07% ▲ 1.37% above Hawaii avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.70%▲ 1.37% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 6, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 6, 2026: 4.07% APYOct 6, 2026Oct 14, 2026
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
48-Month CD
$1,000
4.00% ▲ 1.30% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Hawaii Average2.70%▲ 1.30% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 27, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 27, 2026: 3.60% APYOct 3, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 3.60%
  • Sep 27, 20263.60%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month IRA Certificates
$0
4.00% ▲ 1.30% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month Share Certificates
$0
4.00% ▲ 1.30% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 1.30% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
48 Month Share Certificate
$0
3.75% ▲ 1.05% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 1.05% above avgNationally 2.80%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
4 Year IRA Certificate
$0
3.56% ▲ 0.86% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
4 Year Share Certificate
$0
3.56% ▲ 0.86% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48-month Certificate
$1,000
3.25% ▲ 0.55% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.55% above avgNationally 2.80%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20% ▲ 0.50% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.70%▲ 0.50% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Share Certificates and IRA Certificates - 48-Month Term
$0
3.20% ▲ 0.50% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.50% above avgNationally 2.80%
Details

Published APY range: 3.20% to 3.35%.

Rate History
No change since Oct 12, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 12, 2026: 3.20% APYOct 12, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$0
3.10% ▲ 0.40% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.70%▲ 0.40% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 48 Month
$10,000
3.09% ▲ 0.39% above Hawaii avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.70%▲ 0.39% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month Impact Certificates
$0
3.03% ▲ 0.33% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.33% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 4-year
$1,000
3.00% ▲ 0.30% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
4 Year Share Certificate
$1,000
3.00% ▲ 0.30% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.30% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 48 Month
$100,000
2.93% ▲ 0.23% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.70%▲ 0.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 2.93% APY · checked 2 times
2.43%2.93%3.43%Oct 5, 2026: 2.93% APYOct 5, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 48 Month
$500
2.83% ▲ 0.13% above Hawaii avg
View
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.70%▲ 0.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 2.83% APY
2.33%2.83%3.33%Oct 13, 2026: 2.83% APYOct 13, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 48 Months
$500
2.75% ▲ 0.05% above Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▲ 0.05% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificates - 4 years
$1,000
1.90% ▼ 0.80% below Hawaii avg
View
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▼ 0.80% below avgNationally 2.80%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 1.90% APY
1.40%1.90%2.40%Oct 12, 2026: 1.90% APYOct 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certifcates - (Traditional, Roth, Educational) - 4 years
$500
1.75% ▼ 0.95% below Hawaii avg
View
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▼ 0.95% below avgNationally 2.80%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 12, 2026: 1.75% APYOct 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate - 4-Year
$1,000
1.00% ▼ 1.70% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▼ 1.70% below avgNationally 2.80%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 4-Year
$2,500
1.00% ▼ 1.70% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.70%▼ 1.70% below avgNationally 2.80%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4-Year CD
$0
0.50% ▼ 2.20% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.70%▼ 2.20% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4-Year Term
$1,000
0.50% ▼ 2.20% below Hawaii avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.70%▼ 2.20% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4-Year RampUp
$50,000
0.25% ▼ 2.45% below Hawaii avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.70%▼ 2.45% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4 Year CD
$500
0.15% ▼ 2.55% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.70%▼ 2.55% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026

Kihei 60 Month CD Rates

Hawaii 60 Month CD Average2.91% APYNational 2.91%▼ 0.11% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
5-Year Business Certificate
$0
1.00% ▼ 1.91% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 1.91% below avgNationally 2.91%
Details

Balance: $500.00 - $500.00

Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 25, 2026: 1.00% APYSep 25, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
5-Year IRA Share Certificate (1,825 days)
$500
1.00% ▼ 1.91% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 1.91% below avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
5-Year Roth (1,825 days)
$500
1.00% ▼ 1.91% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 1.91% below avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 12, 2026: 1.00% APYOct 12, 2026Oct 14, 2026
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
41 E Lipoa St Ste 25, Kihei, HI 96753
5-Year Share Certificate
$0
1.00% ▼ 1.91% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 1.91% below avgNationally 2.91%
Details

Balance: $500.00 - $499.99

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 14, 2026
Hawaii State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
277 Piikea Ave, Kihei, HI 96753
Term Share 60-Month
$1,000
0.65% ▼ 2.26% below Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 2.26% below avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Sep 25, 2026: 0.65% APYSep 25, 2026Oct 14, 2026
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
60 Month Certificates
$0
4.50% ▲ 1.59% above Hawaii avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.91%▲ 1.59% above avgNationally 2.91%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 4.50% ▲ 1.75 pts · high 4.50% / low 2.75%
1.00%3.63%6.25%Sep 21, 2026: 2.75% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 14, 2026
  • Oct 13, 20264.50%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 60 Months
$0
4.50% ▲ 1.59% above Hawaii avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.91%▲ 1.59% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 5, 2026: 4.50% APYOct 5, 2026Oct 14, 2026
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
5 Years Term Share Certificate
$500
4.33% ▲ 1.42% above Hawaii avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.91%▲ 1.42% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 6, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 6, 2026: 4.33% APYOct 6, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month Jumbo Certificates
$0
4.20% ▲ 1.29% above Hawaii avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 1.29% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
3.20%3.95%4.70%Sep 14, 2026: 3.70% APYOct 4, 2026: 4.20% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.20%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month IRA Certificates
$0
4.00% ▲ 1.09% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 1.09% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month Share Certificates
$0
4.00% ▲ 1.09% above Hawaii avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 1.09% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
60 Month Share Certificate
$0
4.00% ▲ 1.09% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 1.09% above avgNationally 2.91%
Details

Effective Date: October 1, 2026

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.99% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.91%▲ 0.99% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.94% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.91%▲ 0.94% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
5 Year IRA Certificate
$0
3.56% ▲ 0.65% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.65% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
5 Year Share Certificate
$0
3.56% ▲ 0.65% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.65% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 12, 2026: 3.56% APYOct 12, 2026Oct 14, 2026
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
Share Certificates and IRA Certificates - 60-Month Term
$0
3.25% ▲ 0.34% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.34% above avgNationally 2.91%
Details

Published APY range: 3.25% to 3.40%.

Rate History
No change since Oct 12, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 12, 2026: 3.25% APYOct 12, 2026Oct 14, 2026
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60-month Certificate
$1,000
3.25% ▲ 0.34% above Hawaii avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.34% above avgNationally 2.91%
Details

$1,000.00 minimum to open and earn APY

Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APYOct 8, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year Certificate
$0
3.20% ▲ 0.29% above Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.91%▲ 0.29% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 60 Month
$10,000
3.19% ▲ 0.28% above Hawaii avg
View
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.91%▲ 0.28% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 13, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$0
3.10% ▲ 0.19% above Hawaii avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Hawaii Average2.91%▲ 0.19% above avgNationally 2.91%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 14, 2026
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month Impact Certificates
$0
3.03% ▲ 0.12% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.12% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 14, 2026: 3.03% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 60 Month
$100,000
3.03% ▲ 0.12% above Hawaii avg
View
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.91%▲ 0.12% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 5, 2026: 3.03% APYOct 5, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Jumbo IRA Certificate
$100,000
3.00% ▲ 0.09% above Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.09% above avgNationally 2.91%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate - 60 months
$500
3.00% ▲ 0.09% above Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.09% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Super Jumbo IRA Certificate - 60 months
$200,000
3.00% ▲ 0.09% above Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.09% above avgNationally 2.91%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 4, 2026: 3.00% APYOct 4, 2026Oct 14, 2026
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 5-year
$1,000
3.00% ▲ 0.09% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.09% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
5 Year Share Certificate
$1,000
3.00% ▲ 0.09% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.09% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APYOct 8, 2026Oct 14, 2026
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
5 Year Share Certificate
$0
3.00% ▲ 0.09% above Hawaii avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▲ 0.09% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 60 Month
$500
2.93% ▲ 0.02% above Hawaii avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.91%▲ 0.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 2.93% APY
2.43%2.93%3.43%Oct 13, 2026: 2.93% APYOct 13, 2026Oct 14, 2026
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 60 Months
$500
2.75% ▼ 0.16% below Hawaii avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.16% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Principal Plus Certificate
$500
2.75% ▼ 0.16% below Hawaii avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.16% below avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 25, 2026: 2.75% APYSep 25, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Jumbo Principal Plus Certificate - 60 months
$100,000
2.75% ▼ 0.16% below Hawaii avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.16% below avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 14, 2026
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
Super Jumbo Principal Plus Certificate - 60 months
$200,000
2.75% ▼ 0.16% below Hawaii avg
View
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.16% below avgNationally 2.91%
Details

Rates effective as of 6/1/2025

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
60 Month Regular Certificate
$0
2.50% ▼ 0.41% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.41% below avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 14, 2026
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
IRA Certificates - 60 months (IRA)
$0
2.50% ▼ 0.41% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.41% below avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
IRA Certifcates - (Traditional, Roth, Educational) - 5 years
$500
2.25% ▼ 0.66% below Hawaii avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.66% below avgNationally 2.91%
Details

Dividends compounded and credited quarterly; dividend period quarterly

Rate History
No change since Oct 12, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 14, 2026
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
Share Certificates - 5 years
$1,000
2.10% ▼ 0.81% below Hawaii avg
View
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 0.81% below avgNationally 2.91%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
No change since Oct 12, 2026 · 2.10% APY
1.60%2.10%2.60%Oct 12, 2026: 2.10% APYOct 12, 2026Oct 14, 2026
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
60 Month Share Certificate
$500
1.51% ▼ 1.40% below Hawaii avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.91%▼ 1.40% below avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate - 5-Year
$1,000
1.00% ▼ 1.91% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 1.91% below avgNationally 2.91%
Details

Dividends Compounded/Credited: Quarterly

Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 12, 2026: 1.00% APYSep 12, 2026Oct 14, 2026
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 5-Year
$2,500
1.00% ▼ 1.91% below Hawaii avg
View
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.91%▼ 1.91% below avgNationally 2.91%
Details

Dividends compounded/credited quarterly

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5-Year CD
$0
0.50% ▼ 2.41% below Hawaii avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.91%▼ 2.41% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
5-Year Term
$1,000
0.50% ▼ 2.41% below Hawaii avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Hawaii Average2.91%▼ 2.41% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Kihei, Hawaii Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Bank of Hawaii
12 Month Bankohana New Money Special CD
A+ 5.0 ★ TX: 1.43%
Min: $5,000
3.40%
First Hawaiian Bank
6-month CD
A+ 5.0 ★ TX: 1.55%
Min: $150,000
3.20%
Central Pacific Bank
Exceptional Preferred Certificate of Deposit (CD) Special - 6 months
A+ 5.0 ★ TX: 2.64%
Min: $20,000
3.15%
American Savings Bank, FSB
3-Month & 6-Month Term
A+ 5.0 ★ TX: 1.72%
Min: $0
3.00%
Finance Factors
36-Month CD
A 5.0 ★ TX: 12.80%
Min: $1,000
4.00%
CU Top 5 Credit Union Rates
HawaiiUSA Federal Credit Union
6 Month Jumbo Certificate
A+ 5.0 ★ TX: 2.02%
Min: $0
3.50%
Hawaii State Federal Credit Union
Term Share 60-Month
A+ 5.0 ★ TX: 5.45%
Min: $1,000
0.65%
CU Hawaii Federal Credit Union
60 Month Certificates
A+ 5.0 ★ TX: 1.37%
Min: $0
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Big Island Federal Credit Union
5 Years Term Share Certificate
A+ 5.0 ★ TX: 0.37%
Min: $500
4.33%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Kihei, HI CD Rate Trends

Compare local Kihei, 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.

View Full Hawaii CD Trends
12-Month CD HI Avg
2.748%
▼ 0.040 vs 7 days ago

Hawaii 12-month CD rates fell 0.040 points over the past 7 days to 2.748% APY.

6-Month CD HI Avg
2.927%
▼ 0.050 vs 7 days ago

Hawaii 6-month CD rates fell 0.050 points over the past 7 days to 2.927% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

HI CD Rate Forecast, Next 12 Months

Where are Hawaii CD rates headed through October 2027?

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

HI 12-Month Avg APY
2.748%
6-Month Forecast
2.748%
Range: 2.55%, 2.90%
12-Month Forecast
2.998%
Range: 2.80%, 3.15%

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

Spread model: The Hawaii 12-month CD average currently trades 1.63% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

Powered by MonitorBankRates

What Your Savings Earn at HI CD Rates Today

Annual interest earnings at today’s Hawaii average APYs. State average used where available; national average as fallback.

CD Term HI Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.919% $95.97 $191.94 $479.85 $959.70
6-Month CD 2.927% $146.35 $292.70 $731.75 $1,463.50
12-Month CD 2.748% $137.40 $274.80 $687.00 $1,374.00
18-Month CD 2.806% $140.28 $280.55 $701.38 $1,402.75
24-Month CD 2.518% $125.88 $251.76 $629.40 $1,258.80
36-Month CD 2.592% $129.61 $259.22 $648.05 $1,296.10
48-Month CD 2.699% $134.93 $269.85 $674.63 $1,349.25
60-Month CD 2.914% $145.68 $291.36 $728.40 $1,456.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Kihei, Hawaii Savers

$25,000 split equally across 5 terms using today’s Hawaii average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit HI Avg APY Annual Earnings
1 3-Month CD $5,000 1.919% $95.97
2 6-Month CD $5,000 2.927% $146.35
3 12-Month CD $5,000 2.748% $137.40
4 24-Month CD $5,000 2.518% $125.88
5 36-Month CD $5,000 2.592% $129.61
Total ($25,000 invested) $25,000 2.541% blended $635.21/yr

Ladder example uses equal $5,000 rungs and Hawaii average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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

About Our Kihei, Hawaii CD Rate Database

MonitorBankRates tracks 358 CD rates from 7 banks and 35 credit unions with locations in Kihei, Hawaii, plus national online institutions available to Hawaii residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: HawaiiUSA Federal Credit Union offers a CD at 3.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kihei, Hawaii.

How to Find the Best CD Rates in Kihei, Hawaii

What to compare when shopping for a CD in Kihei, Hawaii

To find the best APYs in Kihei, Hawaii, start with credit unions and online-only banks: Kihei, Hawaii has 35 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Kihei, 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 Kihei, Hawaii: 42 institutions here report CD rates

Consider an Alternative If…

Kihei, Hawaii Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
18.6%
National avg: 17.3%
Median Individual Earnings
$44,971
National avg: $47,340
Poverty Rate
7.4%
National avg: 11.1%
Unemployment Rate
6.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At HI 12-mo avg 2.748% APY

18.6% of residents are 65 or older, in line with the national average of 17.3%. At today’s HI 12-month CD average of 2.748%, saving 10% of the local median salary ($4,497/year) and putting it in a CD would earn an additional $124 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 Kihei, Hawaii

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Kihei, Hawaii

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

Choosing a CD Term in Kihei, Hawaii

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kihei, Hawaii savers easier access to their funds. For example, HawaiiUSA Federal Credit Union is offering its 6 Month Jumbo Certificate at 3.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, HawaiiUSA Federal Credit Union is offering its 5-Year Business Certificate at 1.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Kihei, Hawaii Savers

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

How CD Interest Is Paid in Kihei, Hawaii

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

Fixed vs. Variable CD Rates in Kihei, Hawaii

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

Frequently Asked Questions about CD Rates in Kihei, Hawaii

Are CD rates in Kihei, Hawaii FDIC insured?

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

Here are recent top rates found for this area:
  • HawaiiUSA Federal Credit Union: 3.50% APY (6 Month Jumbo Certificate)
  • Bank of Hawaii: 3.40% APY (12 Month Bankohana New Money Special CD)
  • First Hawaiian Bank: 3.20% APY (6-month CD)
  • Central Pacific Bank: 3.15% APY (Exceptional Preferred Certificate of Deposit (CD) Special - 6 months)
  • American Savings Bank, FSB: 3.00% APY (3-Month & 6-Month Term)
  • Hawaii State Federal Credit Union: 0.65% APY (Term Share 60-Month)
  • CU Hawaii Federal Credit Union: 4.50% APY (60 Month Certificates)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Big Island Federal Credit Union: 4.33% APY (5 Years Term Share Certificate)
  • Maui County Federal Credit Union: 4.25% APY (Share Certificates - 6-month)
Rates reflect recent verified offers available in Kihei, Hawaii. Last Updated: October 13, 2026

Kihei, Hawaii CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Kihei, Hawaii CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Kihei, Hawaii. Averages shown use the Hawaii state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Kihei, Hawaii

Kihei, Hawaii CD Calculator

At today’s HI top rate of 3.50% APY, a $10,000 deposit earns $350 in the first year. Enter your amount to see your exact return.

Kihei, Hawaii CD Ladder

HI CD rates currently range from 1.919% (3-month) to 2.592% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Kihei, Hawaii CD at 3.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Hawaii’s average 12-month CD is 2.748% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

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

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

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

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Kihei, Hawaii. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in HI.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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