Credit union · NCUA insured
Ko’olau FCU CD Rates
Ko’olau FCU’s best CD rate is 4.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Ko’olau FCU’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Ko’olau FCU has the most branches. $10,000, best rate first.
This credit union’s best
Ko’olau FCU
4.50%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $223
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
Ko’olau FCU CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo2.10%
- QualifiedQualified3.75%
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 Ko’olau FCU 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 4.50%APY · 6 terms
Ko'olau FCU membership required. Dividends compounded and credited quarterly. Average daily balance method used to calculate dividends. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to earn APY is $1,000.00 | 4.50% | $223 |
| 6 monthsMinimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms less than 12 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 30 days dividends) | 3.75% | $186 |
| 12 monthsMinimum balance to earn APY is $1,000.00 | 4.25% | $425 |
| 12 monthsMinimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms 12 to 18 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 90 days dividends) | 3.50% | $350 |
| 24 monthsMinimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms over 18 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 180 days dividends) | 3.25% | $661 |
| 36 monthsMinimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms over 18 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 180 days dividends) | 1.50% | $457 |
| 48 monthsMinimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms over 18 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 180 days dividends) | 1.90% | $782 |
| 60 monthsMinimum balance to earn APY is $1,000.00. Early withdrawal penalty: for terms over 18 months, equal to all dividends earned on the amount withdrawn (min 7 days, max 180 days dividends) | 2.10% | $1,095 |
Special-purpose accounts
IRA Share Certificate
Up to 3.85%APY · 5 terms
Includes Traditional, Roth, and Educational IRA certificates. Dividends compounded and credited quarterly. Average daily balance method used to calculate dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months1 year (13 months) term. Minimum balance to earn APY is $500.00 | 3.85% | $418 |
| 24 months2 years term. Minimum balance to earn APY is $500.00 | 3.10% | $630 |
| 36 months3 years term. Minimum balance to earn APY is $500.00 | 1.65% | $503 |
| 48 months4 years term. Minimum balance to earn APY is $500.00 | 1.75% | $719 |
| 60 months5 years term. Minimum balance to earn APY is $500.00 | 2.25% | $1,177 |
Sources (4)
- koolaufcu.org/rates-tables
- koolaufcu.org/savings-accounts
- koolaufcu.org/savings-rates
- koolaufcu.org/share-certificates-iras
All captured Sep 16, 2026
Who can join Ko’olau FCU
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 anyone who lives, works, worships or attends school in Honolulu County (the island of Oahu).
Military, government and schools
- All personnel of Marine Corps Base Hawaii, military, civilians, and their household members are eligible to join.
Family and household
- Membership is available to immediate family members of eligible members, regardless of where they live.
Membership information collected October 4, 2026.