Credit union · NCUA insured
Lōkahi Federal Credit Union CD Rates
Lōkahi Federal Credit Union’s best CD rate is 2.75% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Lōkahi Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Lōkahi Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lōkahi Federal Credit Union
2.75%APY
- Term
- 12–17 months
- Minimum
- $500
- Earns on $10,000
- —
Principal Plus 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
Lōkahi Federal Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo2.75%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified2.75%
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 Lōkahi 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.
Jumbo Principal Plus Certificate
Up to 2.75%APY · 7 terms
Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 1.50% | $75 |
| 12–17 months | 2.75% | $275 |
| 18–23 months | 2.75% | $415 |
| 24–29 months | 2.75% | $558 |
| 30–35 months | 2.75% | $702 |
| 36–59 months | 2.75% | $848 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates · captured Sep 16, 2026
Principal Plus Certificate
Up to 2.75%APY · 7 terms
Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity. Reinvest dividends automatically to maximize compounding.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 1.50% | $75 |
| 12–17 months | 2.75% | $275 |
| 18–23 months | 2.75% | $415 |
| 24–29 months | 2.75% | $558 |
| 30–35 months | 2.75% | $702 |
| 36–59 months | 2.75% | $848 |
| 60 months | 2.75% | $1,453 |
Sources (2)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates
- lokahifcu.com/spend-and-save/savings/certificates
All captured Sep 16, 2026
Super Jumbo Principal Plus Certificate
Up to 2.75%APY · 7 terms
Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 1.50% | $75 |
| 12–17 months | 2.75% | $275 |
| 18–23 months | 2.75% | $415 |
| 24–29 months | 2.75% | $558 |
| 30–35 months | 2.75% | $702 |
| 36–59 months | 2.75% | $848 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates · captured Sep 16, 2026
Special-purpose accounts
IRA Certificate
Up to 3.00%APY · 4 terms
Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity. Available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 60 months | 3.00% | $1,593 |
Jumbo IRA Certificate
Up to 3.00%APY · 4 terms
Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity. Available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates · captured Sep 16, 2026
Super Jumbo IRA Certificate
Up to 3.00%APY · 4 terms
Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity. Available for Traditional and Roth IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- lokahifcu.com/learn/credit-uni…formation/dividend-rates · captured Sep 16, 2026
Who can join Lōkahi 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
- Anyone who lives, works, worships, or attends school in the City and County of Honolulu (Island of Oahu), Hawaii is eligible for membership.
Employers and groups
- Employees of Lōkahi FCU are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step and adoptive relationships) and household members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- Spouses of persons who died while within the field of membership of Lōkahi FCU are eligible for membership.
Membership information collected October 4, 2026.