Credit union · NCUA insured
Hotel & Travel Industry Federal Credit Union CD Rates
Hotel & Travel Industry Federal Credit Union’s best CD rate is 4.00% APY on a 9-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Hotel & Travel Industry Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Hotel & Travel Industry Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hotel & Travel Industry Federal Credit Union
4.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $299
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
Hotel & Travel Industry Federal Credit Union CD score
79
CD score
Higher than 50% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo1.50%
- QualifiedQualified4.00%
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 Hotel & Travel Industry 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 Certificate
Up to 4.00%APY · 7 terms
Dividends compounded and credited quarterly.
| Term | APY · Any balance | APY · $2,500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months6 Months CD Special | 3.75% | — | — | 3.75% | $186 |
| 9 months9 Months CD Special | 4.00% | — | — | 4.00% | $299 |
| 12 months12 Months CD Special | 3.50% | — | — | 3.50% | $350 |
| 12 monthsDividends compounded and credited quarterly | — | — | 3.50% | 3.50% | $350 |
| 24 monthsDividends compounded and credited quarterly | — | 1.50% | — | 1.50% | $302 |
| 36 monthsDividends compounded and credited quarterly | — | 1.50% | — | 1.50% | $457 |
| 48 monthsDividends compounded and credited quarterly | — | 1.00% | — | 1.00% | $406 |
| 60 monthsDividends compounded and credited quarterly | — | 1.00% | — | 1.00% | $510 |
Credit Builder Certificate
2.00%APY · 1 term
Dividends compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–60 monthsDividends compounded and credited quarterly | 2.00% | $200 |
Special-purpose accounts
IRA Certificate
Up to 3.50%APY · 5 terms
Traditional, Roth, and Education tax-label variants share the same rate schedule.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1‑Year IRA term. Dividends compounded quarterly | 3.50% | $350 |
| 24 months2‑Year IRA term. Dividends compounded quarterly | 1.50% | $302 |
| 36 months3‑Year IRA term. Dividends compounded quarterly | 1.50% | $457 |
| 48 months4‑Year IRA term. Dividends compounded quarterly | 1.00% | $406 |
| 60 months5‑Year IRA term. Dividends compounded quarterly | 1.00% | $510 |
Sources (3)
All captured Oct 15, 2026
Who can join Hotel & Travel Industry Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to Hawaii hotel employees.
- Membership is open to HTIFCU employees.
- Membership is open to Local 5 Union members.
Family and household
- Membership is open to family members of existing HTIFCU members.
- Membership is open to family members of Hawaii hotel employees.
- Membership is open to non-related household members of existing HTIFCU members.
2 more ways to join
Family and household
- Membership is open to non-related household members of Hawaii hotel employees.
Other ways
- Membership is open to retired Hawaii hotel employees.
Cost to join
- An opening deposit of $25 into a Share Account is required to receive full membership services and benefits (waived upfront if setting up payroll deduction or direct deposit).
Membership information collected October 4, 2026.