Credit union · NCUA insured
Hawaii FCU CD Rates
Hawaii FCU’s best CD rate is 4.10% APY on a 1-year share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Hawaii FCU’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii FCU
4.10%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $410
Certificates
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 FCU CD score
74
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo1.26%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo2.52%
- QualifiedQualified4.10%
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 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.
Certificates
Up to 4.10%APY · 5 terms
Membership eligibility required; rates subject to change without notice; Jumbo rates (investments of $100,000 and over) available upon request; early withdrawal penalties apply. Fees could reduce earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividend Paid Quarterly | 1.00% | $25 |
| 6 monthsDividend Paid Quarterly | 1.26% | $63 |
| 12 monthsDividend Paid Quarterly | 4.10% | $410 |
| 18 monthsDividend Paid Quarterly | 2.02% | $305 |
| 24 monthsDividend Paid Quarterly | 2.52% | $510 |
Special-purpose accounts
IRA Certificates
Up to 2.53%APY · 4 terms
Early withdrawal penalties apply. Fees could reduce earnings. May be subject to an IRS tax penalty under certain conditions.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsDividends paid quarterly | 1.00% | $75 |
| 12 monthsDividends paid quarterly | 2.27% | $227 |
| 18 monthsDividends paid quarterly | 2.02% | $305 |
| 30 monthsDividends paid quarterly | 2.53% | $645 |
Sources (1)
- hawaiifcu.org/deposit-rates · captured Oct 22, 2026
Who can join Hawaii FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school on the island of O’ahu.
Employers and groups
- Membership is open to individuals who participate in associations headquartered on O’ahu.
- Membership is open to employees of Hawaii FCU.
- Membership is open to incorporated and unincorporated organizations located on, or maintaining a facility on O’ahu.
- Membership is open to organizations of eligible persons.
Family and household
- Membership is open to immediate families and households of eligible persons.
4 more ways to join
Family and household
- Membership is open to spouses of persons who died while within the field of membership.
Other ways
- Membership is open to volunteers in the community.
- Membership is open to individuals who participate in programs to alleviate poverty or distress located on O’ahu.
- Membership is open to existing Hawaii FCU members of record on March 27, 2009.
Cost to join
- Members must open a Savings Account and maintain a minimum balance of $30.
Membership information collected October 4, 2026.