Credit union · NCUA insured
Signia Federal Credit Union CD Rates
Signia Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Signia Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Signia Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Signia Federal Credit Union
4.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $400
Share Certificates
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
Signia Federal Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo4.00%
- 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 Signia 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 Certificates
Up to 4.00%APY · 7 terms
Signia Credit Union membership is required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.75% | $137 |
| 12 months | 3.25% | $325 |
| 12 monthsOffer is effective as of 1/1/2026 and is subject to change or discontinue at any time, without notice. Maximum deposit amount with existing Signia Credit Union funds is $25,000.00 per member. No deposit limit amount from funds at another financial institution | 4.00% | $400 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.75% | $1,587 |
| 60 months | 4.00% | $2,167 |
Special-purpose accounts
IRA Share Certificates
Up to 3.75%APY · 2 terms
Traditional and Roth IRAs available. Potential penalty on taxable withdrawals before age 59 1/2. Signia Credit Union membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 3.75% | $764 |
Who can join Signia 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
- Individuals who live, worship, work, or attend school on Oahu are eligible for membership.
Employers and groups
- Organizations of persons who live, worship, work, or attend school on Oahu are eligible for membership.
Military, government and schools
- Active-duty members, reservists, veterans, retirees, or dependents of members of the U.S. Armed Forces or National Guard residing or working on Oahu are eligible for membership.
Family and household
- Immediate family or household members of someone who lives, worships, works, or attends school on Oahu are eligible for membership.
Membership information collected October 4, 2026.