Credit union · NCUA insured
Molokai Community FCU CD Rates
Molokai Community FCU’s best CD rate is 3.00% APY on a 4-year share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Molokai Community FCU’s CD rates compare
Compared with banks and credit unions near Kahului, HI, where Molokai Community FCU has the most branches. $10,000, best rate first.
This credit union’s best
Molokai Community FCU
3.00%APY
- Term
- 11 months
- Minimum
- —
- Earns on $10,000
- $275
Share Certificate Special
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Minimum
- $2,000
- Earns on $10,000
- $494
2nd-highest rate
Hawaii State FCU
4.50%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $336
Molokai Community FCU CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.00%
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 Molokai Community 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 3.00%APY · 5 terms
Also known as Certificates of Deposits are term savings accounts. Required minimum deposit amount of $500.00. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded/credited quarterly | 1.00% | $50 |
| 12 monthsDividends compounded/credited quarterly | 1.50% | $150 |
| 24 monthsDividends compounded/credited quarterly | 2.00% | $404 |
| 36 monthsDividends compounded/credited quarterly | 2.50% | $769 |
| 48–60 monthsDividends compounded/credited quarterly | 3.00% | $1,255 |
Sources (1)
- molokaicommunityfcu.com/savings-checking-accounts · captured Sep 16, 2026
Share Certificate Special
3.00%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 months | 3.00% | $275 |
Sources (1)
- molokaicommunityfcu.com/savings-checking-accounts · captured Sep 16, 2026
Who can join Molokai Community 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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship, or attend school in, and businesses and other legal entities located on the Island of Molokai, Hawaii.
Employers and groups
- Membership is open to employees of this credit union and persons retired as pensioners or annuitants from such employment.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to organizations of persons within the field of membership.
Membership information collected October 4, 2026.