Credit union · NCUA insured
HawaiiUSA FCU CD Rates
HawaiiUSA FCU’s best CD rate is 4.40% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How HawaiiUSA FCU’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where HawaiiUSA FCU has the most branches. $10,000, best rate first.
This credit union’s best
HawaiiUSA FCU
4.40%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $478
13-Month Educator Share Certificate
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
HawaiiUSA FCU CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.25%
- QualifiedQualified4.40%
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 HawaiiUSA 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.
13-Month Educator Share Certificate
4.40%APY · 1 term
Available to all current employees (grades Pre-K through College) of a Hawaii school or educational system. Proof of employment required. Specialty schools excluded. Quarterly dividends.
| Term | APY · Any balance | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 13 monthsEarn quarterly dividends; paid out quarterly. Exclusive Educator rate | 4.40% | — | 4.40% | $478 |
| 13 monthsQuarterly dividend period. (395 days) | — | 4.40% | 4.40% | $478 |
Share Certificate
Up to 4.15%APY · 8 terms
Insured by NCUA up to $250,000. Early withdrawal penalty may apply. Auto-renewal at maturity.
| Term | APY · Any balance | APY · $500 and up | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsMaturity dividend period. Limited-time promotional rate | — | — | — | 3.10% | 3.10% | $76 |
| 6 monthsMaturity dividend period. Limited-time promotional rate | — | 3.25% | — | — | 3.25% | $161 |
| 12 monthsQuarterly dividend period. Limited-time promotional rate | — | 3.10% | — | — | 3.10% | $310 |
| 13 monthsEarn quarterly dividends; paid out quarterly | 4.15% | — | — | — | 4.15% | $450 |
| 13 monthsQuarterly dividend period. Limited-time promotional rate | — | 4.15% | — | — | 4.15% | $450 |
| 18 monthsQuarterly dividend period. 18 Month (547 days) | — | 1.50% | — | — | 1.50% | $226 |
| 24 months2-Year (730 days) Share Certificate | — | — | 1.50% | — | 1.50% | $302 |
| 36 monthsQuarterly dividend period. 3 Year (1,095 days) | — | 1.25% | — | — | 1.25% | $380 |
| 60 monthsQuarterly dividend period. 5 Year (1,825 days) | — | 1.00% | — | — | 1.00% | $510 |
Jumbo Share Certificate
3.50%APY · 2 terms
Early withdrawal penalty may apply. Automatic renewal at term's end. Backed by NCUA insurance up to $250,000.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months6-Month (182 days). Dividends paid at maturity | — | 3.50% | —3.50% from $100k | — |
| 6 months6-Month Jumbo Share Certificate. Earn monthly dividends; paid out at maturity. Effective date 1/22/2026 | 3.50% | — | 3.50% | $173 |
| 12 months1-Year (365 days). Quarterly dividend period | — | 3.35% | —3.35% from $100k | — |
18-Month Income Share Certificate
1.50%APY · 1 term
Monthly dividend period. Term of 18 months (547 days). Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsMonthly dividend period. (547 days) | 1.50% | — |
Sources (2)
- hawaiiusafcu.com/resources/pla…s/personal-savings-rates
- hawaiiusafcu.com/personal/bank…vings/share-certificates
All captured Oct 22, 2026
Special-purpose accounts
Youth Add-On Share Certificate
3.20%APY · 1 term
Primary member of account must be under 18 years old. May make additional deposits; minimum deposit $20. Automatic renewal until last day of month of accountholder's 24th birthday. Quarterly dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1-Year (365 days). Quarterly dividend period. Limited-time promotional savings rate | 3.20% | $320 |
Sources (2)
- hawaiiusafcu.com/resources/pla…s/personal-savings-rates
- hawaiiusafcu.com/personal/bank…vings/share-certificates
All captured Oct 22, 2026
IRA Share Certificate
Up to 1.75%APY · 3 terms
Available in Traditional and Roth IRA options. Competitive dividend rates maximize savings over full term. Traditional IRA earnings grow tax-deferred; Roth IRA withdrawals are tax- and penalty-free after 5 years and age 59 1/2. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1-Year (365 days) Traditional IRA Share Certificate. Balance to earn APY is minimum average daily balance | 1.75% | $175 |
| 36 months3-Year (1,095 days) Traditional IRA Share Certificate. Balance to earn APY is minimum average daily balance | 1.25% | $380 |
| 60 months5-Year (1,825 days) Traditional IRA Share Certificate. Balance to earn APY is minimum average daily balance | 1.00% | $510 |
Sources (2)
- hawaiiusafcu.com/resources/pla…s/personal-savings-rates
- hawaiiusafcu.com/personal/bank…s/ira-share-certificates
All captured Oct 22, 2026
Who can join HawaiiUSA FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with any of the credit union's 10,000+ Select Employee Groups (SEGs).
Military, government and schools
- Eligibility is open to individuals (or members of their family or household) who are employees, retirees, students, or student parents in a majority of Hawaii pre-K through 12th grade schools.
Family and household
- Eligibility is open to immediate family members of existing HawaiiUSA members.
Membership information collected October 4, 2026.