Credit union · NCUA insured
HFS Federal Credit Union CD Rates
HFS Federal Credit Union’s best CD rate is 4.33% APY on a 3-year share certificate (CD). Terms run from 2 years to 5 years. Rates checked October 22, 2026.
How HFS Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Hilo, HI, where HFS Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
HFS Federal Credit Union
4.33%APY
- Term
- 36 months
- Minimum
- $2,500
- Earns on $10,000
- $1,356
Share Certificates
Top rate
CU Hawaii Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
HawaiiUSA FCU
4.40%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $478
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.33%APY · 4 terms
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii (par value of one share is $5.00 with a $1.00 membership fee; $50.00 opening balance required to open a Savings Account). Share Certificates may be subject to early withdrawal penalty. Additional deposits not allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsSuffix S24. Fixed rate. Dividends compounded and credited monthly. Account automatically renews | 4.07% | $831 |
| 36 monthsSuffix S36. Fixed rate. Dividends compounded and credited monthly. Account automatically renews | 4.33% | $1,356 |
| 48 monthsSuffix S48. Fixed rate. Dividends compounded and credited monthly. Account automatically renews | 4.33% | $1,848 |
| 60 monthsSuffix S60. Fixed rate. Dividends compounded and credited monthly. Account automatically renews | 4.33% | $2,361 |
Sources (4)
- hfsfcu.org
- hfsfcu.org/savings-accounts/share-certificates
- hfsfcu.org/share-rates
- hfsfcu.org/wp-content/uploads/…ertificate-June-2026.pdf
All captured Oct 22, 2026
Who can join HFS Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live on the island of Hawai‘i.
Employers and groups
- Membership is open to employees of HFS Federal Credit Union.
- Membership is open to persons who regularly work, attend school, worship, perform volunteer service, or participate in associations headquartered on the island of Hawai‘i.
Family and household
- Membership is open to members of the immediate families (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings, and adoptive relationships) or households of eligible persons, and organizations of such persons.
- Membership is open to spouses of persons who died while within the field of membership of the credit union.
Other ways
- Membership is open to incorporated and unincorporated organizations located on the island of Hawai‘i, or maintaining a facility on the island of Hawai‘i.
1 more way to join
Other ways
- Membership is open to persons participating in programs to alleviate poverty or distress which are located on the island of Hawai‘i.
Cost to join
- A minimum opening deposit balance of $50.00 is required to open a Savings Account to establish membership.
Membership information collected October 4, 2026.