Credit union · NCUA insured
Big Island Federal Credit Union CD Rates
Top CarrotBig Island Federal Credit Union’s best CD rate is 4.33% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Big Island Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hilo, HI, where Big Island Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Big Island Federal Credit Union
4.33%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,361
Term Share Certificates
Top rate
CU Hawaii Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
HawaiiUSA FCU
4.40%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $478
Big Island Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo4.07%
- 31–60 months31–60 mo4.33%
- QualifiedQualified4.33%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Big Island Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificates
Up to 4.33%APY · 7 terms
Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 3.56% | $176 |
| 12 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 3.82% | $382 |
| 18 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 3.82% | $578 |
| 24 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 4.07% | $831 |
| 36 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 4.07% | $1,271 |
| 48 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 4.07% | $1,730 |
| 60 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 4.33% | $2,361 |
Sources (2)
All captured Oct 3, 2026
Special-purpose accounts
IRA Certificates
Up to 4.07%APY · 2 terms
Traditional IRAs and Roth IRAs available. Dividends are compounded and credited monthly. Early withdrawal penalties may apply. No setup, administrative, or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 3.82% | $382 |
| 24 monthsDividends are compounded and credited monthly. Early withdrawal penalties may apply | 4.07% | $831 |
Sources (2)
All captured Oct 3, 2026
Who can join Big Island Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons who live on the island of Hawaii.
- Membership is open to incorporated and unincorporated organizations located on the island of Hawaii.
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawaii.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the island of Hawaii.
Cost to join
- A one-time $1.00 membership fee is required to get started.
- A minimum $50.00 deposit is required to open a share account.
Membership information collected October 4, 2026.