Credit union · NCUA insured
Hamakua Federal Credit Union CD Rates
Hamakua Federal Credit Union’s best CD rate is 0.25% APY on a 1-year share certificate (CD). Rates checked October 22, 2026.
How Hamakua Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hilo, HI, where Hamakua Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hamakua Federal Credit Union
0.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $25
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
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
0.25%APY · 1 term
Automatically renew at maturity to continue earning at a rate higher than Regular Share Account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded & paid quarterly | 0.25% | $25 |
Who can join Hamakua 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This may be incomplete or out of date, so check with the credit union before you apply.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
- People who live, work, worship, or attend school on Hawaiʻi Island are eligible for membership.
Family and household
- Immediate family members of individuals eligible through the geographic field of membership are eligible for membership.
- Spouses of persons who died while in the field of membership are eligible for membership.
Cost to join
- Establishing membership requires payment of a $1.00 membership fee.
- Establishing membership requires a deposit of $10.00 or more into a Regular Share account.
Membership information collected October 4, 2026.