Honolulu Federal Credit Union (HOCU) CD Rates

How Honolulu Federal Credit Union (HOCU)’s CD rates compare

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

This credit union’s best
Honolulu Federal Credit Union (HOCU)
4.50%APY
Term
9 months
Minimum
$500
Earns on $10,000
$336
90th Anniversary Certificate Special
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
Term
13 months
Minimum
$2,000
Earns on $10,000
$494
Hawaiian Financial Federal Credit Union rates
2nd-highest rate
UHFCU
4.50%APY
Term
5 months
Minimum
—
Earns on $10,000
$185
UHFCU rates

Compare CD rates near you →

CD score

Higher than 38% of U.S. banks and credit unions

By term

3–8 months3–8 mo0.70%
9–15 months9–15 mo4.50%
16–30 months16–30 mo1.15%
31–60 months31–60 mo1.25%
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.

How the score works →

Where Honolulu Federal Credit Union (HOCU) 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.

90th Anniversary Certificate Special

4.50%APY · 1 termPromotionalFrom $500 to open

Celebrate 90 years of serving Oahu with our best certificate rate yet. Deposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required. Offer subject to change without notice.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
9 monthsDeposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required	4.50%	$336

Sources (1)

myhocu.com/certificate-special · captured Oct 22, 2026

Certificates

Up to 1.25%APY · 5 termsFrom $500 to open

Penalty for early withdrawal on all certificates. Dividends paid monthly. Membership required.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · $500 and up	APY · $6,000 and up	APY · $10,000 and up	APY	Earns on $10,000Earns
6 monthsPenalty for early withdrawal	—	—	—	0.70%	0.70%	$35
12 monthsPenalty for early withdrawal	—	—	—	0.90%	0.90%	$90
18 monthsPenalty for early withdrawal	1.00%	1.00%	—	—	1.00%1.00% any balance	$150
24 monthsPenalty for early withdrawal	—	1.10%	1.15%	—	1.10%1.15% from $6k	$221
36 monthsPenalty for early withdrawal	—	1.20%	1.25%	—	1.20%1.25% from $6k	$364

Sources (2)

All captured Oct 22, 2026

Super Certificates

0.15%APY · 1 termFrom $500 to open

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Dividends paid monthly.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 monthsPenalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal	0.15%	$15

Sources (1)

myhocu.com/share-rates · captured Oct 22, 2026

Who can join Honolulu Federal Credit Union (HOCU)

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

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