Credit union · NCUA insured
UHFCU CD Rates
Top CarrotUHFCU’s best CD rate is 4.50% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 22, 2026.
How UHFCU’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where UHFCU has the most branches. $10,000, best rate first.
This credit union’s best
UHFCU
4.50%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $185
Certificate
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Minimum
- $2,000
- Earns on $10,000
- $494
3rd-highest rate
Ko’olau FCU
4.50%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $223
UHFCU CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo2.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.50%
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 UHFCU 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.
Certificate
Up to 4.50%APY · 10 terms
Dividends credited and compounded monthly. Penalty may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 5 monthsSpecial Certificate. While supplies last | — | 4.50% | — | 4.50% | $185 |
| 6–11 months | 1.50% | — | — | 1.50% | $75 |
| 12–17 months | 2.75% | — | — | 2.75% | $275 |
| 15 monthsSpecial Certificate. While supplies last | — | — | 4.50% | 4.50% | $566 |
| 18–23 months | 2.75% | — | — | 2.75% | $415 |
| 24–29 months | 2.75% | — | — | 2.75% | $558 |
| 30–35 months | 2.75% | — | — | 2.75% | $702 |
| 36–47 months | 2.75% | — | — | 2.75% | $848 |
| 48–59 months | 2.50% | — | — | 2.50% | $1,038 |
| 60 months | 2.50% | — | — | 2.50% | $1,314 |
Sources (1)
- uhfcu.com/certificates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.50%APY · 8 terms
Dividends credited and compounded monthly. Penalty may be imposed for early withdrawal. No setup fees, no monthly or annual maintenance fees.
| Term | APY · $500 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12–17 months | 2.75% | — | 2.75% | $275 |
| 15 monthsSpecial Certificate. While supplies last | — | 4.50% | 4.50% | $566 |
| 18–23 months | 2.75% | — | 2.75% | $415 |
| 24–29 months | 2.75% | — | 2.75% | $558 |
| 30–35 months | 2.75% | — | 2.75% | $702 |
| 36–47 months | 2.75% | — | 2.75% | $848 |
| 48–59 months | 2.50% | — | 2.50% | $1,038 |
| 60 months | 2.50% | — | 2.50% | $1,314 |
Who can join UHFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.