Credit union · NCUA insured
Wailuku Federal Credit Union CD Rates
Top CarrotWailuku Federal Credit Union’s best CD rate is 4.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Wailuku Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kahului, HI, where Wailuku Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wailuku Federal Credit Union
4.25%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $210
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
Hawaii State FCU
4.50%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $336
Wailuku Federal Credit Union CD score
84
CD score
Higher than 67% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
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 Wailuku 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 4.25%APY · 6 terms
You must have a Regular Share (Savings) account to be eligible to open a Share Certificate. Dividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. Minimum balance is $1,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate | 4.25% | $210 |
| 12 monthsDividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate | 3.50% | $350 |
| 24 monthsDividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate | 3.50% | $712 |
| 36 monthsDividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate | 3.00% | $927 |
| 48 monthsDividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate | 2.75% | $1,146 |
| 60 monthsDividends compound and credit to your certificate monthly. AUTOMATIC RENEWAL upon maturity. Early withdrawal penalty provision may apply. You must have a Regular Share (Savings) account to be eligible to open a Share Certificate | 2.50% | $1,314 |
Sources (2)
All captured Oct 15, 2026
Who can join Wailuku 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
- Persons who live in Central Maui are eligible for membership.
Employers and groups
- Persons who work in Central Maui are eligible for membership.
Military, government and schools
- Persons who attend school in Central Maui are eligible for membership.
Family and household
- Household members of qualified members—defined as persons living in the same residence and maintaining a single economic unit (including domestic partners, family members, foster children, guardians, and roommates)—are eligible for membership.
- Immediate family members of qualified members—defined as grandparents, parents, spouses, siblings, children, grandchildren, adopted children, stepparents, stepchildren, and stepsiblings—are eligible for membership.
Other ways
- Persons who worship in Central Maui are eligible for membership.
Membership information collected October 4, 2026.