Credit union · NCUA insured
Hawaii Central Federal Credit Union CD Rates
Hawaii Central Federal Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Hawaii Central Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii Central Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii Central Federal Credit Union
4.25%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $210
Share Certificate Special
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Minimum
- $2,000
- Earns on $10,000
- $494
2nd-highest rate
UHFCU
4.50%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $185
Hawaii Central Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo1.51%
- QualifiedQualified4.25%
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 Hawaii Central 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.
Share Certificate Special
4.25%APY · 1 term
This promotion is available for consumer accounts only. Funds must originate from another financial institution (new money required) to take advantage of promotional rate. Dividends compounded and credited monthly. Penalties may apply for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew money required (funds must originate from another financial institution). Dividends compounded and credited monthly | 4.25% | $210 |
Sources (2)
All captured Sep 16, 2026
Share Certificates
Up to 3.75%APY · 5 terms
Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly or quarterly depending on schedule/term. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsDividends compounded and credited monthly | — | 3.75% | 3.75% | $186 |
| 12 monthsDividends compounded and credited monthly per rate summary schedule | 3.25% | — | 3.25% | $325 |
| 12 monthsDividends compounded and credited quarterly per rate schedule | 3.03% | — | 3.03% | $303 |
| 18 monthsDividends compounded and credited monthly or quarterly depending on schedule | 3.29% | — | 3.29% | $498 |
| 24 monthsDividends compounded and credited monthly or quarterly depending on schedule | 3.34% | — | 3.34% | $679 |
| 60 monthsDividends compounded and credited monthly or quarterly depending on schedule | 1.51% | — | 1.51% | $778 |
Sources (3)
- hawaiicentral.org/personal/share-certificates
- hawaiicentral.org/rates/share-certificates
- hawaiicentral.org/wp-content/u…es-and-SC-8-1-2026.x.pdf
All captured Sep 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.34%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsIRA account with monthly compounding; Minimum deposit to earn APY | 0.75% | $75 |
| 18 monthsIRA account with monthly compounding | 3.03% | $458 |
| 24 monthsIRA account with monthly compounding | 3.29% | $669 |
| 60 monthsIRA account with monthly compounding | 3.34% | $1,785 |
Sources (2)
- hawaiicentral.org/rates/ira-share-certificates
- hawaiicentral.org/wp-content/u…es-and-SC-8-1-2026.x.pdf
All captured Sep 16, 2026
Who can join Hawaii Central 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 available to persons who live, work, worship, or attend school in, and businesses and other legal entities located in Honolulu County (Island of Oahu), Hawaii.
Employers and groups
- Membership is open to employees of this credit union and organizations of such persons.
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relationships) and household members of credit union employees.
Cost to join
- Opening a Regular Share (Savings) Account officially establishes membership in Hawaii Central Federal Credit Union.
Membership information collected October 4, 2026.