Credit union · NCUA insured
Kauai Ohana Federal Credit Union CD Rates
Top CarrotKauai Ohana Federal Credit Union’s best CD rate is 4.72% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked November 5, 2026.
How Kauai Ohana Federal Credit Union’s 12-month CD compares
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This credit union’s 12-month CD
Kauai Ohana Federal Credit Union
4.59%APY
- Earns on $10,000
- $459
Share Certificates
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Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.72%APY · 8 terms
Dividends compounded monthly. A penalty will or may be imposed for early withdrawal. Rates are subject to change without notice at any time as determined by the Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.20% | $208 |
| 9 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.20% | $314 |
| 12 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.59% | $459 |
| 18 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.59% | $697 |
| 24 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.59% | $940 |
| 36 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.72% | $1,485 |
| 48 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.72% | $2,028 |
| 60 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.72% | $2,596 |
Sources (1)
- kauaiohanafcu.org/accounts · captured Nov 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates
Up to 4.72%APY · 8 terms
Dividends compounded monthly. A penalty will or may be imposed for early withdrawal. Rates are subject to change without notice at any time as determined by the Board of Directors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.20% | $208 |
| 9 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.20% | $314 |
| 12 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.59% | $459 |
| 18 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.59% | $697 |
| 24 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.59% | $940 |
| 36 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.72% | $1,485 |
| 48 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.72% | $2,028 |
| 60 monthsDividends compounded monthly. A penalty will or may be imposed for early withdrawal | 4.72% | $2,596 |
Sources (1)
- kauaiohanafcu.org/accounts · captured Nov 5, 2026
Kauai Ohana Federal Credit Union CD score
99
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.59%
- 16–30 months16–30 mo4.59%
- 31–60 months31–60 mo4.72%
- QualifiedQualified4.72%
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.
Who can join Kauai Ohana 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
- Persons who live, worship, work or attend school in, and businesses and other legal entities located in Kauai County, Hawaii are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership, employees of the credit union, volunteers in the community, members of their immediate family or household, and organizations of such persons are eligible for membership.
Other ways
- Members of record of the Kauai Teachers Federal Credit Union as of July 25, 2024 are eligible for membership.
Cost to join
- A minimum share deposit of $5.00 is required upon joining.
- A one-time membership fee of $1.00 is required upon joining.
Membership information collected October 4, 2026.