Credit union · NCUA insured
Hawaii Community Federal Credit Union CD Rates
Top CarrotHawaii Community Federal Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Hawaii Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii Community Federal Credit Union
4.00%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $816
Share Certificate
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
Hawaii Community Federal Credit Union CD score
86
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Community 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
Up to 4.00%APY · 9 terms
Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 3.00% | $149 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 12 monthsDuring the 12 month term, additional deposits can be made in increments of $50. One withdrawal is allowed during the term without a penalty, as long as a minimum balance of $200 is maintained | 2.75% | $275 |
| 18 months | 3.75% | $568 |
| 24 months | 4.00% | $816 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Sep 24, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 9 terms
Subject to IRA eligibility requirements and IRS regulations. Early withdrawal penalties apply. Membership requirements apply. Traditional and Roth IRA options available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.00% | $50 |
| 6 months | 3.00% | $149 |
| 9 months | 3.75% | $280 |
| 12 months | 3.75% | $375 |
| 18 months | 3.75% | $568 |
| 24 months | 4.00% | $816 |
| 36 months | 4.00% | $1,249 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.00% | $2,167 |
Who can join Hawaii Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.