Bank · FDIC insured
First Hawaiian Bank CD Rates
First Hawaiian Bank’s best CD rate is 3.05% APY on a 6-month CD. Terms run from 1 month to 5 years. Rates checked October 15, 2026.
How First Hawaiian Bank’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where First Hawaiian Bank has the most branches. $10,000, best rate first.
This bank’s best
First Hawaiian Bank
3.05%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $151
Certificates of Deposit
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $494
2nd-highest rate
UHFCU
4.50%APY
- Term
- 5 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $185
First Hawaiian Bank CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo3.05%
- 9–15 months9–15 mo2.90%
- 16–30 months16–30 mo0.13%
- 31–60 months31–60 mo0.15%
- QualifiedQualified3.05%
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 First Hawaiian Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.25%APY · 13 terms
Available in branch. Personal or business checking account required for promotional rates; Priority Banking checking, Private Banking, or PrimeTime/Primera membership required for Priority CD APYs. Penalty for early withdrawal. Monthly service charge is $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.08% | $1 |
| 1–3 monthsIn-branch standard CD rate | 0.03% | $0 |
| 3–5 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.08% | $2 |
| 3 monthsIn-branch promotional rate. Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 3.00% | $74 |
| 3 monthsIn-branch promotional rate. Standard CD rate; requires a First Hawaiian Bank personal or business checking account at account opening | 2.95% | $73 |
| 3–5 monthsIn-branch standard CD rate | 0.03% | $1 |
| 6–8 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.08% | $4 |
| 6 monthsIn-branch promotional rate. Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 3.05% | $151 |
| 6 monthsIn-branch promotional rate. Standard CD rate; requires a First Hawaiian Bank personal or business checking account at account opening | 3.00% | $149 |
| 6–8 monthsIn-branch standard CD rate | 0.03% | $1 |
| 9–11 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.09% | $7 |
| 9–11 monthsIn-branch standard CD rate | 0.04% | $3 |
| 12–17 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.10% | $10 |
| 12 monthsIn-branch promotional rate. Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 2.90% | $290 |
| 12 monthsIn-branch promotional rate. Standard CD rate; requires a First Hawaiian Bank personal or business checking account at account opening | 2.85% | $285 |
| 12–17 monthsIn-branch standard CD rate | 0.05% | $5 |
| 18–23 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.12% | $18 |
| 18–23 monthsIn-branch standard CD rate | 0.07% | $11 |
| 24–35 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.13% | $26 |
| 24–35 monthsIn-branch standard CD rate | 0.08% | $16 |
| 36–47 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.15% | $45 |
| 36–47 monthsIn-branch standard CD rate | 0.10% | $30 |
| 48–59 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.30% | $121 |
| 48–59 monthsIn-branch standard CD rate | 0.25% | $100 |
| 60–72 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.30% | $151 |
| 60–72 monthsIn-branch standard CD rate | 0.25% | $126 |
Sources (2)
All captured Sep 16, 2026
Online CDs
Up to 3.05%APY · 6 terms
Available online via FHB.com only (not available in branches). Only available for personal accounts; applicants must be 18 years or older, US Citizens with SSN and residing in the US. Maximum opening deposit of $250,000 per Online CD. APYs do not apply to IRA CDs. Cannot be combined with any other promotional offer or Priority Banking CD preferred rates. Penalty for early withdrawal. Monthly service charge is $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPromotional online CD rate. Limited time offer. Maximum opening deposit $250,000 | 3.05% | $151 |
| 6 monthsStandard online CD rate. Maximum opening deposit $250,000 | 0.06% | $3 |
| 9 monthsStandard online CD rate. Maximum opening deposit $250,000 | 0.09% | $7 |
| 12 monthsPromotional online CD rate. Limited time offer. Maximum opening deposit $250,000 | 2.90% | $290 |
| 12 monthsStandard online CD rate. Maximum opening deposit $250,000 | 0.10% | $10 |
| 18 monthsStandard online CD rate. Maximum opening deposit $250,000 | 0.12% | $18 |
| 24 monthsStandard online CD rate. Maximum opening deposit $250,000 | 0.13% | $26 |
| 36 monthsStandard online CD rate. Maximum opening deposit $250,000 | 0.15% | $45 |
Sources (2)
All captured Sep 16, 2026
Jumbo Certificates of Deposit
Up to 0.35%APY · 10 terms
Available in branch for higher balances. To qualify for Priority CD APYs, must be a Personal/Business Priority Banking Platinum Checking customer, Business Analyzed Checking customer, Private Banking Program enrollee, or grandfathered PrimeTime/Primera Gold or Platinum member. Penalty for early withdrawal. Monthly service charge is $0.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–3 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.10% | $1 |
| 1–3 monthsIn-branch standard Jumbo CD rate | 0.05% | $0 |
| 3–5 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.13% | $3 |
| 3–5 monthsIn-branch standard Jumbo CD rate | 0.08% | $2 |
| 6–8 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.13% | $6 |
| 6–8 monthsIn-branch standard Jumbo CD rate | 0.08% | $4 |
| 9–11 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.14% | $10 |
| 9–11 monthsIn-branch standard Jumbo CD rate | 0.09% | $7 |
| 12–17 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.15% | $15 |
| 12–17 monthsIn-branch standard Jumbo CD rate | 0.10% | $10 |
| 18–23 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.17% | $26 |
| 18–23 monthsIn-branch standard Jumbo CD rate | 0.12% | $18 |
| 24–35 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.18% | $36 |
| 24–35 monthsIn-branch standard Jumbo CD rate | 0.13% | $26 |
| 36–47 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.20% | $60 |
| 36–47 monthsIn-branch standard Jumbo CD rate | 0.15% | $45 |
| 48–59 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.35% | $141 |
| 48–59 monthsIn-branch standard Jumbo CD rate | 0.30% | $121 |
| 60–72 monthsIn-branch Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership | 0.35% | $176 |
| 60–72 monthsIn-branch standard Jumbo CD rate | 0.30% | $151 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 2.90%APY · 7 terms
Available to personal customers only (not available for business customers). In-branch account. To qualify for promotional rate, personal checking account required at account opening; to qualify for Priority CD APYs, must be a Personal Priority Banking Platinum Checking Account customer, enrolled in Private Banking Program, or grandfathered PrimeTime/Primera Gold or Platinum member. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–17 monthsIn-branch Priority CD rate; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 0.10% | $10 |
| 12 monthsIn-branch promotional rate. Priority CD APY; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 2.90% | $290 |
| 12 monthsIn-branch promotional rate. Standard CD APY; requires personal checking account at opening | 2.85% | $285 |
| 12–17 monthsIn-branch standard CD rate | 0.05% | $5 |
| 18–23 monthsIn-branch Priority CD rate; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 0.10% | $15 |
| 18–23 monthsIn-branch standard CD rate | 0.05% | $8 |
| 24–35 monthsIn-branch Priority CD rate; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 0.12% | $24 |
| 24–35 monthsIn-branch standard CD rate | 0.07% | $14 |
| 36–47 monthsIn-branch Priority CD rate; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 0.13% | $39 |
| 36–47 monthsIn-branch standard CD rate | 0.08% | $24 |
| 48–59 monthsIn-branch Priority CD rate; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 0.15% | $60 |
| 48–59 monthsIn-branch standard CD rate | 0.10% | $40 |
| 60–72 monthsIn-branch Priority CD rate; requires Personal Priority Banking Platinum Checking Account, Private Banking Program enrollment, or PrimeTime/Primera membership | 0.30% | $151 |
| 60–72 monthsIn-branch standard CD rate | 0.25% | $126 |
Sources (1)
- fhb.com/en/rates/savings-cds · captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.