Credit union · NCUA insured
Hawaii County Employees FCU CD Rates
Top CarrotHawaii County Employees FCU’s best CD rate is 3.70% APY on a 1-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Hawaii County Employees FCU’s CD rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii County Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii County Employees FCU
3.70%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $370
Share Certificate Account
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 County Employees FCU CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.70%
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 County Employees FCU 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 Account
Up to 3.70%APY · 5 terms
Minimum opening deposit of $2,500.00. Not automatically renewable; account balance transfers to another account upon maturity. Dividends credited monthly. Additional deposits not allowed. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.70% | $370 |
| 18 months | 3.40% | $514 |
| 24 months | 3.60% | $733 |
| 36 months | 3.50% | $1,087 |
Sources (3)
All captured Sep 16, 2026
Special-purpose accounts
IRA Share Certificate Account
Up to 3.70%APY · 2 terms
Minimum opening deposit of $1,000.00. Not automatically renewable; account balance transfers to another account upon maturity. Dividends credited monthly to IRA Share Account. Additional deposits not allowed. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.70% | $370 |
| 24 months | 3.60% | $733 |
Sources (3)
All captured Sep 16, 2026
Who can join Hawaii County Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of the Hawaii Government Employees Association or the United Public Workers Association who work in Hilo, Hawaii are eligible for membership.
Military, government and schools
- Persons employed under the Comprehensive Employment and Training Act who work for the County of Hawaii on the island of Hawaii are eligible for membership.
- Registered volunteers of the County of Hawaii who work at County of Hawaii facilities on the island of Hawaii under the supervision of County of Hawaii employees are eligible for membership.
- Hawaii County employees working on the island of Hawaii are eligible for membership.
Family and household
- Family members of eligible employees, CETA workers, and registered volunteers are eligible for membership.
Membership information collected October 4, 2026.