Hawaiian Financial Federal Credit Union CD Rates

How Hawaiian Financial Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Urban Honolulu, HI, where Hawaiian Financial Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Hawaiian Financial Federal Credit Union
4.55%APY
Term
13 months
Minimum
$2,000
Earns on $10,000
$494
Share Certificates
2nd-highest rate
UHFCU
4.50%APY
Term
5 months
Minimum
—
Earns on $10,000
$185
UHFCU rates
3rd-highest rate
Ko’olau FCU
4.50%APY
Term
6 months
Minimum
$1,000
Earns on $10,000
$223
Ko’olau FCU rates

Compare CD rates near you →

CD score

Higher than 54% of U.S. banks and credit unions

By term

3–8 months3–8 mo1.50%
9–15 months9–15 mo4.55%
16–30 months16–30 mo2.50%
31–60 months31–60 mo2.75%
QualifiedQualified4.55%

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.

How the score works →

Where Hawaiian Financial 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 Certificates

Up to 4.55%APY · 8 termsFrom $500 to open

Penalty for early withdrawal/closure. Fees could reduce earnings. Regular share certificate rates are simple interest paid monthly. Membership eligibility applies.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $2,000 and up	APY	Earns on $10,000Earns
6 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	1.50%	—	1.50%	$75
9 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	—	4.25%	4.25%	$317
12 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	2.00%	—	2.00%	$200
13 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	—	4.55%	4.55%	$494
24 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	2.50%	—	2.50%	$506
36 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	2.75%	—	2.75%	$848
48 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	2.75%	—	2.75%	$1,146
60 monthsSimple interest paid monthly. Penalty for early withdrawal/closure	2.75%	—	2.75%	$1,453

Sources (4)

All captured Oct 15, 2026

Special-purpose accounts

IRA Certificates

Up to 4.55%APY · 6 termsIRAFrom $500 to open

A $500 minimum balance is required for IRA Share Certificates ($2,000 for 9-month and 13-month tiers). No monthly fees. IRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure. Fees could reduce earnings. Available for Traditional, Roth, and Educational/Coverdell IRAs.

Earnings on $10,000 over the term.
Term	APY · $500 and up	APY · $2,000 and up	APY	Earns on $10,000Earns
6 monthsIRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure	1.50%	—	1.50%	$75
9 monthsIRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure	—	4.25%	4.25%	$317
12 monthsIRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure	2.00%	—	2.00%	$200
13 monthsIRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure	—	4.55%	4.55%	$494
24 monthsIRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure	2.50%	—	2.50%	$506
36 monthsIRA certificate rates are compounded and paid monthly. Penalty for early withdrawal/closure	2.75%	—	2.75%	$848

Sources (3)

All captured Oct 15, 2026

Who can join Hawaiian Financial Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← Hawaiian Financial Federal Credit Union overview