Credit union · NCUA insured
Hawaii State FCU CD Rates
Hawaii State FCU’s best CD rate is 4.50% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Hawaii State FCU’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaii State FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaii State FCU
4.50%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $336
Term Share
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 State FCU CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo0.15%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo0.25%
- 31–60 months31–60 mo0.65%
- QualifiedQualified4.50%
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 State 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.
Term Share
Up to 4.50%APY · 9 terms
Credit Union membership and Hawaii residency required. Choose terms from 6 months to 5 years. A penalty may be imposed for early withdrawals. Fees may reduce earnings.
| Term | APY · Any balance | APY · Up to $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.15% | — | 0.15% | $7 |
| 9 monthsSpecial offer celebrating 90th Anniversary. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. Maximum aggregate balance of $250,000 per member, per term. Fixed for initial term only; renewal rate may vary. Early withdrawal penalty may apply. Not applicable to IRA Term Share Accounts. Available to Hawaii residents only | — | 4.50% | 4.50% | $336 |
| 12 months | 0.20% | — | 0.20% | $20 |
| 13 months | 3.35% | — | 3.35% | $363 |
| 15 monthsSpecial offer celebrating 90th Anniversary. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. Maximum aggregate balance of $250,000 per member, per term. Fixed for initial term only; renewal rate may vary. Early withdrawal penalty may apply. Not applicable to IRA Term Share Accounts. Available to Hawaii residents only | — | 4.50% | 4.50% | $566 |
| 24 months | 0.25% | — | 0.25% | $50 |
| 36 months | 0.25% | — | 0.25% | $75 |
| 48 months | 0.30% | — | 0.30% | $121 |
| 60 months | 0.65% | — | 0.65% | $329 |
Sources (2)
All captured Oct 22, 2026
Who can join Hawaii State FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Hawaii residents who are employees or members of an enrolled Select Business Partner located in the State of Hawaii are eligible to join.
Military, government and schools
- Hawaii residents who are active or retired employees of The State of Hawaii, City and County of Honolulu, Maui County, or Hawaii State FCU are eligible to join.
Family and household
- Hawaii residents who are immediate family members (including spouses, parents, grandparents, children, siblings) or household members of current members, as well as spouses of persons who died while within the field of membership, are eligible to join.
Other ways
- Hawaii residents who make a donation to either Friends of the Library Hawaii or The Friends of Iolani Palace are eligible for membership.
Membership information collected October 4, 2026.