Current Waimea, Hawaii CD rates include Gather Federal Credit UnionGather Federal Credit Union9936 Kaumualii Hwy, Waimea, HI 96796A5.0 ★Texas Ratio: 6.37% offering 6-Month Share Certificate at 4.00% APY, Bank of HawaiiBank of Hawaii67 1185 Mamalahoa Highway, Waimea, HI 96743A+5.0 ★Texas Ratio: 1.38% offering Bankohana New Money Special CD 3 Month at 3.05% APY, Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering 6 Month Share Certificate SPECIAL at 4.06% APY, Schofield Federal Credit UnionSchofield Federal Credit UnionA+5.0 ★Texas Ratio: 0.11% offering 60 Month Share Certificate at 4.00% APY, and Kahuku Federal Credit UnionKahuku Federal Credit UnionD3.3 ★Texas Ratio: 36.05% offering 6-month CD at 3.91% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Waimea has 7 local institutions in our database, with CD rates as high as 4.00% APY from Gather Federal Credit Union at 9936 Kaumualii Hwy, Waimea, HI 96796. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Hawaii area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026
Minimum balance and qualifying deposit of $25,000 - $99,999.99
Deluxe & Private Banking Customers
Minimum balance and qualifying deposit of $5,000 - $24,999.99
Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!
CD Promotion:
Deluxe & Private Banking Customers
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
Minimum balance and qualifying deposit of $5,000 - $24,999.99
Limited time offer. Only available in our branches.
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.
Deluxe & Private Banking Customers
Qualifying balance up to $49,000.00
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.
Compare local Waimea, HI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii 12-month CD rates rose 0.375 points over the past 7 days to 2.721% APY.
Hawaii 6-month CD rates rose 0.324 points over the past 7 days to 2.869% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Waimea, Hawaii directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Waimea, 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.