Credit union · NCUA insured
Hawaiian Electric Employees FCU CD Rates
Hawaiian Electric Employees FCU’s best CD rate is 3.75% APY on a 7-month share certificate (CD). Terms run from 7 months to 3 years. Rates checked October 22, 2026.
How Hawaiian Electric Employees FCU’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hawaiian Electric Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Hawaiian Electric Employees FCU
3.75%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $217
Share 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
Hawaiian Electric Employees FCU CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.75%
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 Hawaiian Electric 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 Certificates
Up to 3.75%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsNew Money | 3.75% | $217 |
| 11 monthsNew Money | 3.50% | $320 |
| 12 months | 3.00% | $300 |
| 24 months | 3.25% | $661 |
| 36 months | 3.50% | $1,087 |
Special-purpose accounts
IRA Certificates
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRoth IRA option listed at 0.50%.Any balance | 0.50% | $50 | Roth IRA option listed at 0.50%. |
Sources (1)
- hecoefcu.org/rates-fees · captured Sep 16, 2026
Who can join Hawaiian Electric Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active and retired employees of Hawaiian Electric Company (HECO) are eligible for membership.
- Active and retired employees of Hawaiian Electric Industries (HEI) are eligible for membership.
- Active and retired members and employees of IBEW Local 1260 are eligible for membership.
- Active and retired employees of Maui Electric Company Limited (MECO) are eligible for membership.
- Active and retired Hawaiian Electric Employees Federal Credit Union staff are eligible for membership.
Family and household
- Immediate family and household members of active and retired employees and members of qualifying sponsor organizations are eligible for membership.
Membership information collected October 4, 2026.