MonitorBankRates
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CD Rates Waimea, Hawaii (HI) for April 2026

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

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
67 1185 Mamalahoa Highway, Waimea, HI 96743
Bankohana New Money Special CD 3 Month
$25,000
3.05%
Rate
Min Deposit$25,000
Min Balance
UpdatedApr 5, 2026
Details

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

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
9936 Kaumualii Hwy, Waimea, HI 96796
3-Month Share Certificate
$1,000
0.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3-Month CD
$1,000
3.30%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3-MONTH CD
$10,000
3.00%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 5, 2026
Details

Deluxe & Private Banking Customers

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
3-month CD
$0
0.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month Share Certificates
$1,000
0.25%
Rate0.25%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
32 - 90 day Jumbo CD
$100,000
0.03%
Rate0.03%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
9936 Kaumualii Hwy, Waimea, HI 96796
6-Month Share Certificate
$1,000
4.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
67 1185 Mamalahoa Highway, Waimea, HI 96743
Bankohana New Money Special CD 6 Month
$5,000
3.05%
Rate
Min Deposit$5,000
Min Balance
UpdatedApr 5, 2026
Details

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

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL
$2,500
4.06%
Rate4.00%
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
6-month CD
$0
3.91%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

CD Promotion:

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6-Month CD
$0
3.81%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$0
3.75%
Rate3.69%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6-Month CD
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
6 Month Certificates & IRA Certificates
$0
3.50%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6-Month (182 days) Share Certificate
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6 Month Share Certificate
$1,000
3.20%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6-MONTH CD
$10,000
3.10%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 5, 2026
Details

Deluxe & Private Banking Customers

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
6-month Certificate
$1,000
2.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6-Month Term Share Certificates and IRA Certificates
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
6 mo Certificates
$10,000
0.70%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 5, 2026
Details

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

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
6-Month Term Share
$1,000
0.15%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
91 - 180 day Jumbo CD
$100,000
0.03%
Rate0.03%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
9936 Kaumualii Hwy, Waimea, HI 96796
1-Year Share Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
67 1185 Mamalahoa Highway, Waimea, HI 96743
Bankohana New Money Special CD 12 Month
$5,000
2.95%
Rate
Min Deposit$5,000
Min Balance
UpdatedApr 5, 2026
Details

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

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 1 year (13 months)
$500
3.85%
Rate3.79%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Limited time offer. Only available in our branches.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
12 Month Certificates & IRA Certificates
$0
3.70%
Rate3.70%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12-Month CD
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
12-Month Term
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 mo Certificates
$500
3.45%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

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

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
12 Month Share Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
12-month Certificate
$1,000
3.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12-Month CD
$1,000
3.20%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1-Year (365 days) Share Certificate
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 1-Year
$1,000
3.00%
Rate3.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12-MONTH CD
$10,000
2.90%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 5, 2026
Details

Deluxe & Private Banking Customers

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Share Certificate
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Traditional IRA & Roth IRA 1 year certificate
$0
0.65%
Rate0.65%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
12-Month Term Share
$1,000
0.20%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1 year IRA
$500
0.04%
Rate0.04%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Share Certificate
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18-Month CD
$1,000
3.15%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18-Month Term Share Certificates and IRA Certificates
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate SPECIAL
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-month Certificate
$1,000
2.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
18-Month Jump Start Add-On Share Certificate
$0
1.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
18 mo Certificates
$500
1.00%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

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

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 month Variable Rate IRA
$25
0.04%
Rate0.04%
Min Deposit$25
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
9936 Kaumualii Hwy, Waimea, HI 96796
1 - 1/2 Year Share Certificate
$1,000
1.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 month IRA Share Certificate
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
24-Month Term
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
24 Month Share Certificate
$500
3.30%
Rate3.30%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
24 Month Certificates & IRA Certificates
$0
3.25%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24-Month Term Share Certificates and IRA Certificates
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES* 2-year
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24-month Certificate
$1,000
2.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Traditional IRA & Roth IRA 2 year certificate
$0
0.85%
Rate0.85%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
24-Month Term Share
$1,000
0.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2 year IRA
$100
0.06%
Rate0.06%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Share Certificate
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24 or 36-Month CD
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36-Month Term Share Certificates and IRA Certificates
$0
3.15%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
36-Month Term
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
36 Month Share Certificate
$0
2.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 3-Year
$1,000
1.50%
Rate1.50%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
3-Year (1,095 days) Share Certificate
$0
1.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
36-Month Term Share
$1,000
0.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
3 year IRA
$100
0.08%
Rate0.08%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month Share Certificate
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48-Month Term Share Certificates and IRA Certificates
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
48-month Certificate
$1,000
3.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
48-Month Term
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 4-Year
$1,000
1.00%
Rate1.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
48-Month Term Share
$1,000
0.30%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
4 year IRA
$100
0.08%
Rate0.08%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
60 Month Share Certificate
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
48 or 60-Month CD
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
60-Month Term Share Certificates and IRA Certificates
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
60-month Certificate
$1,000
3.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
60-Month Term
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
60 Month Share Certificate
$500
1.50%
Rate1.50%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 5-Year
$1,000
1.00%
Rate1.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
60-Month Term Share
$1,000
0.65%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

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

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

Waimea, HI CD Rate Trends

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.

View Full Hawaii CD Trends →
12-Month CD — HI Avg
2.721%
▲ 0.375 vs 7 days ago

Hawaii 12-month CD rates rose 0.375 points over the past 7 days to 2.721% APY.

6-Month CD — HI Avg
2.869%
▲ 0.324 vs 7 days ago

Hawaii 6-month CD rates rose 0.324 points over the past 7 days to 2.869% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Waimea, Hawaii

Are CD rates in Waimea, Hawaii FDIC insured?

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

Here are recent top rates found for this area:
  • Gather Federal Credit Union: 4.00% APY (6-Month Share Certificate)
  • Bank of Hawaii: 3.05% APY (Bankohana New Money Special CD 3 Month)
  • Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL)
  • Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
  • Kahuku Federal Credit Union: 3.91% APY (6-month CD)
  • Ko`olau Federal Credit Union: 3.85% APY (IRA Certificates - 1 year (13 months))
  • Kauai Teachers Federal Credit Union: 3.81% APY (6-Month CD)
  • Bank of Hope: 3.80% APY (12-month CD)
  • Wailuku Federal Credit Union: 3.75% APY (6-Month Term)
  • CU Hawaii Federal Credit Union: 3.70% APY (12 Month Certificates & IRA Certificates)
Rates reflect recent verified offers available in Waimea, Hawaii. Last Updated: April 5, 2026

Methodology & Data Sources

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.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 5, 2026