Credit union · NCUA insured
Honolulu Fire Department Federal Credit Union CD Rates
Honolulu Fire Department Federal Credit Union’s best CD rate is 0.60% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Honolulu Fire Department Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Honolulu Fire Department Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Honolulu Fire Department Federal Credit Union
0.60%APY
- Term
- 36 months
- Minimum
- —
- Earns on $10,000
- $181
Standard 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
Honolulu Fire Department Federal Credit Union CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo0.50%
- 31–60 months31–60 mo0.60%
- QualifiedQualified0.60%
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 Honolulu Fire Department 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.
Standard Share Certificates
Up to 0.60%APY · 4 terms
Must be a member. Level qualifications applied at month end. Minimum to earn is $2,500. Dividends credited to Regular Savings quarterly. Subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFire Level – Primary member is an active firefighter | 0.30% | $15 |
| 6 monthsLifeline Level – Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card) | 0.20% | $10 |
| 6 monthsStandard Level – All members, unless qualified for other levels | 0.10% | $5 |
| 12 monthsFire Level – Primary member is an active firefighter | 0.40% | $40 |
| 12 monthsLifeline Level – Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card) | 0.30% | $30 |
| 12 monthsStandard Level – All members, unless qualified for other levels | 0.20% | $20 |
| 24 monthsFire Level – Primary member is an active firefighter | 0.50% | $100 |
| 24 monthsLifeline Level – Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card) | 0.40% | $80 |
| 24 monthsStandard Level – All members, unless qualified for other levels | 0.30% | $60 |
| 36 monthsFire Level – Primary member is an active firefighter | 0.60% | $181 |
| 36 monthsLifeline Level – Membership uninterrupted for 10 years or more or $15,000 in any combination of share balances and loan balances (excluding Visa Platinum credit card) | 0.50% | $151 |
| 36 monthsStandard Level – All members, unless qualified for other levels | 0.40% | $120 |
Sources (1)
- hfdfcu.org/deposits/information/savings-rates · captured Sep 16, 2026
Who can join Honolulu Fire Department Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active or retired members of the Hawaii Fire Fighters Association (HFFA), Local No. 1463 are eligible to join.
- Members of The Friends of Iolani Palace are eligible to join.
- Members of the United Union of Roofers, Waterproofers & Allied Workers, Local 221 are eligible to join.
Military, government and schools
- Active or retired members of the Federal Fire Fighters of Hawaii (FFD), Local F-263 are eligible to join.
- Active or retired Honolulu Fire Department employees are eligible to join.
- Active or retired Honolulu Fire Department firefighters are eligible to join.
5 more ways to join
Military, government and schools
- Employees of and students attending Ho’omau Fire Academy are eligible to join.
Family and household
- Immediate family members (current spouse, children and grandchildren, parents and grandparents, siblings) of any individual eligible through the 7 qualifying affiliations are eligible to join.
- Immediate family members (current spouse, children and grandchildren, parents and grandparents, siblings) of any current HFDFCU member are eligible to join.
- Household members living in the same residential household as any individual eligible through the 7 qualifying affiliations are eligible to join.
- Household members living in the same residential household as any current HFDFCU member are eligible to join.
Membership information collected October 4, 2026.