Compare Bank & Credit Union Rates
Best 1-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 of 91 results in Kapaa, HI metro
- Popular DirectPopular Direct Certificate of DepositCD · 12 months · $10,000 min
Part of Popular Bank · Opens accounts online nationwide
4.60%APY$460 over 1 year on $10,000Requirements
Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.
Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months.
4.50% interest rate · Compounded daily · Effective Oct 26, 2026
Rate checked
More details - Kauai Ohana Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
4.59%APY$459 over 1 year on $10,000Requirements
Product: Dividends compounded monthly. A penalty will or may be imposed for early withdrawal. Rates are subject to change without notice at any time as determined by the Board of Directors.
Offer: Dividends compounded monthly. A penalty will or may be imposed for early withdrawal.
Compounded monthly
Rate checked
More details - Rising BankTerm CDCD · 12 months · $1,000 min
Part of Midwest BankCentre · Opens accounts online nationwide
4.51%APY$451 over 1 year on $10,000Requirements
Product: Accrued interest is added to account; earns simple interest. Early withdrawal penalty applies: for 1-year CDs, 90 days' interest; for CDs with terms more than 1 year, 180 days' interest. 10-day grace period. Account maximum $1,000,000. Interest credited every 3 months.
Offer: Interest credited every 3 months. Account maximum $1,000,000. Early withdrawal penalty of 90 days' interest may apply.
4.44% interest rate · Balance cap $1,000,000 · Effective Oct 30, 2026
Rate checked
More details - Salem Five DirectSpecial CDsCD · 12 months · $10,000 min
Part of Salem Five Bank · Opens accounts online nationwide
4.50%APY$450 over 1 year on $10,000Requirements
Product: Personal accounts only. A penalty will be imposed for premature withdrawal. Maximum deposit amount is $500,000 for Special CD and Special IRA CD.
Offer: Personal accounts only. Penalty for premature withdrawal. Maximum deposit amount is $500,000.
4.41% interest rate · Balance cap $500,000
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: No monthly maintenance fees. APY is fixed for the term of the CD but subject to change upon renewal. Early withdrawal penalty applies. Ten Day Best Rate Guarantee. Compound interest daily. Available to open in the name of a trust. Automatic renewal at maturity. 0.05% Loyalty Reward when renewing to any CD.
Offer: No minimum deposit to open or earn APY. Fixed rate. Early withdrawal penalty applies (60 days loss of interest).
Effective Nov 5, 2026
Rate checked
More details - Sallie MaeSallie Mae Certificates of Deposit (CDs)CD · 12 months · $2,500 min
Bank · Opens accounts online nationwide
4.50%APY$450 over 1 year on $10,000intro rateRequirements
Product: Must have a physical address in the United States and satisfy applicable age of majority requirements. Early withdrawal penalties apply (90 days' simple interest for terms 12 months or less, 180 days' simple interest for terms greater than 12 months). Automatically renews at maturity with a 10-day grace period. No monthly maintenance fees.
Offer: Advertised Interest Rate and Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Penalty may be charged for early withdrawal.
Promotional rate · 4.40% interest rate · Effective Nov 5, 2026
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000intro rate
Requirements
Product: Membership at Gather FCU required. Fixed rates. Penalty for early withdrawal. Dividends credited monthly for terms longer than 3 months, or upon maturity for the 3-month term.
Offer: Limited-Time Offer. Certificate offer valid from 11/2/26 and may be modified or canceled at any time. No new money requirements.
Promotional rate · Balance cap $245,000
Rate checked
More details - Paramount BankCertificate of DepositCD · 12 months · $1,000 min
Bank · Opens accounts online nationwide
4.50%APY$450 over 1 year on $10,000intro rateRequirements
Product: No monthly maintenance fees. No minimum balance required to earn the APY. Early withdrawal penalties may apply. Must fund account within 30 days of opening.
Offer: Quarterly Post or Interest Checks; interest checks will reduce Annual Percentage Yield (APY). The special rate applies to new money only. Funds currently on deposit with Paramount Bank may not be eligible for this special rate.
Promotional rate · 4.43% interest rate · Effective Oct 30, 2026
Rate checked
More details - Hanscom Federal Credit UnionTerm CertificatesCD · 12 months · $1,000 min
Credit union · Opens accounts online nationwide
4.50%APY$450 over 1 year on $10,000Requirements
Product: Minimum deposit of $1,000 required to open and obtain APY. Monthly compounding dividends. Early withdrawal penalties may apply to certificates. Fees may reduce earnings and the principal amount may be reduced to cover the penalty.
4.41% interest rate · Effective Oct 30, 2026
Rate checked
More details - 4.50%APY$450 over 1 year on $10,000
Requirements
Product: Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.
Balance cap $250,000
Rate checked
More details - Quorum Federal Credit UnionCertificate AccountCD · 12 months · $100 min
Credit union · Opens accounts online nationwide
4.50%APY$450 over 1 year on $10,000Requirements
Product: Fixed-rate accounts. Dividends compounded and paid monthly. A penalty will be imposed if funds are withdrawn prior to maturity date. Credit union membership required.
Offer: Single tier. Dividends compounded and paid monthly. Early withdrawal penalty applies.
4.41% interest rate · Effective Oct 19, 2026
Rate checked
More details - Barclays Bank DelawareBarclays Online CDsCD · 12 months · $0 min
Bank · Opens accounts online nationwide
4.50%APY$450 over 1 year on $10,000Requirements
Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.
4.40% interest rate · Effective Oct 7, 2026
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 12 months · $1,500 min
Bank · Opens accounts online nationwide
4.45%APY$445 over 1 year on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.
Compounded daily · Balance cap $1,000,000 · Effective Oct 29, 2026
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More details - CommunityWide Federal Credit UnionCW CertificatesCD · 12 months · $1,000 min
Credit union · Opens accounts online nationwide
4.40%APY$440 over 1 year on $10,000Requirements
Offer: Dividends paid at end of each month. 6-18 Months: You choose your term for the set rate.
4.31% interest rate · Effective Nov 1, 2026
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More details - Marcus by Goldman SachsHigh-Yield CDCD · 12 months · $500 min
Bank · Opens accounts online nationwide
4.40%APY$440 over 1 year on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
Offer: $500 minimum to open and earn stated APY.
Effective Oct 30, 2026
Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 1-year CDs pay in Kapaa, HI metro
91 CDs at 63 banks and credit unions · checked Oct 30–Nov 6
- Typical
- 3.64%
- Top 10% from
- 4.50%
- Banks, typical
- 3.65%
- Credit unions, typical
- 3.60%
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Kapaa, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Kauai Ohana Federal Credit UnionCredit union · 1 branch
- Finance FactorsBank · 1 branch