Credit union · NCUA insured
CU Hawaii Federal Credit Union CD Rates
Top CarrotCU Hawaii Federal Credit Union’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How CU Hawaii Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hilo, HI, where CU Hawaii Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CU Hawaii Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Certificates
2nd-highest rate
HawaiiUSA FCU
4.40%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $478
3rd-highest rate
HFS Federal Credit Union
4.33%APY
- Term
- 36 months
- Minimum
- $2,500
- Earns on $10,000
- $1,356
CU Hawaii Federal Credit Union CD score
88
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 CU Hawaii 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.
Certificates
Up to 4.50%APY · 7 terms
Fixed rates for predictable returns. Early withdrawals subject to penalty. No setup or maintenance fees. Maximum deposit $1,000,000 in aggregate per Taxpayer Identification Number.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.70% | $370 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 4.30% | $1,346 |
| 48 months | 4.30% | $1,834 |
| 60 months | 4.50% | $2,462 |
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 7 terms
Funds from Individual Retirement Account (IRA) can be used to purchase certificate/s within IRA. Traditional and Roth options available. Fixed dividend rate and APY for the term of the account. Maximum $1,000,000 in aggregate per Taxpayer Identification Number. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 12 months | 3.70% | $370 |
| 18 months | 4.00% | $606 |
| 24 months | 4.00% | $816 |
| 36 months | 4.30% | $1,346 |
| 48 months | 4.30% | $1,834 |
| 60 months | 4.50% | $2,462 |
Sources (3)
- cuhawaii.com/personal/personal-savings/certificates.html
- cuhawaii.com/personal/personal…-retirement-account.html
- cuhawaii.com/rates.html
All captured Oct 3, 2026
Who can join CU Hawaii 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 living or working on the Island of Hawai`i.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawai`i.
- Membership is open to persons participating in programs to alleviate poverty or distress located on the Island of Hawai`i.
Employers and groups
- Membership is open to incorporated and unincorporated organizations on the Island of Hawai`i or those maintaining a facility located on the Island of Hawai`i.
Family and household
- Membership is open to any immediate family member (including spouse, parents, sisters, brothers, and children, whether living in the same household or not) of a CU Hawaii member.
Cost to join
- Joining requires an opening deposit of $50 into a savings account.
- Joining requires a $1 membership fee.
Membership information collected October 4, 2026.