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 21 results in Hawaii
- 3.40%APY$340 over 1 year on $10,000with conditions
Requirements
Product: Requires a Bankohana checking account (minimum opening deposit $500). Rates apply to initial term; renews at promo rate for one term then standard rate. Not combinable with other specials.
Offer: Minimum $5,000 in new money from another financial institution, not combinable with existing Bank of Hawaii funds. Available to open in-branch and online.
Qualified rate · 3.40% interest rate · Effective Oct 15, 2026
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More details - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Must be opened online. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal.
Offer: Assumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors.
Effective Jun 15, 2026
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More details - 3.30%APY$330 over 1 year on $10,000
Requirements
Product: Available at branch locations to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal. Assumes interest will remain on deposit. Fees could reduce earnings.
Offer: Assumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Fees could reduce earnings on the account. Penalty may be imposed for early withdrawal.
Effective Sep 28, 2026
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More details - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: CD rates apply to initial term and require minimum funds brought from outside institutions. CD renews at the Promo Rate for one term before renewing into the Standard Rate.
Offer: Minimum $5,000 in new money from another financial institution, not combinable with existing Bank of Hawaii funds. Available to open in branch and online.
Promotional rate · 3.30% interest rate · Effective Oct 15, 2026
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More details - 3.15%APY$315 over 1 year on $10,000intro rate
Requirements
Product: Fixed interest rate until maturity. Non-promotional CDs require a $1,000 minimum balance to open. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Promotional rate for Deluxe & Private Banking Customers. Funds must originate from another financial institution. Online CDs available up to $50,000.
Promotional rate · Effective Nov 4, 2026
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More details - 2.90%APY$290 over 1 year on $10,000intro rate
Requirements
Product: Fixed interest rate until maturity. Non-promotional CDs require a $1,000 minimum balance to open. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Promotional rate for Consumer accounts. Funds must originate from another financial institution.
Promotional rate · 2.86% interest rate · Effective Nov 4, 2026
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More details - 2.90%APY$290 over 1 year on $10,000with conditions
Requirements
Product: Promo Rates are offered for one term when using existing funds or renewing a New Money Special Rate CD for the first time. Renews at Standard Rates thereafter. Requires a Bankohana checking account (minimum opening deposit $500).
Offer: For existing funds or renewing New Money Special CD. Online opening maximum $99,999.
Qualified rate · 2.90% interest rate · Effective Oct 15, 2026
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More details - 2.90%APY$290 over 1 year on $10,000intro rate
Requirements
Product: Available online via FHB.com only (not available in branches). Only available for personal accounts; applicants must be 18 years or older, US Citizens with SSN and residing in the US. Maximum opening deposit of $250,000 per Online CD. APYs do not apply to IRA CDs. Cannot be combined with any other promotional offer or Priority Banking CD preferred rates. Penalty for early withdrawal. Monthly service charge is $0.
Offer: Promotional online CD rate. Limited time offer. Maximum opening deposit $250,000.
Promotional rate · Balance cap $250,000 · Effective Sep 3, 2026
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More details - 2.90%APY$290 over 1 year on $10,000with conditions
Requirements
Product: Available in branch. Personal or business checking account required for promotional rates; Priority Banking checking, Private Banking, or PrimeTime/Primera membership required for Priority CD APYs. Penalty for early withdrawal. Monthly service charge is $0.
Offer: In-branch promotional rate. Priority CD rate; requires Personal/Business Priority Banking Platinum Checking, Business Analyzed Checking, Private Banking Program, or PrimeTime/Primera membership.
Qualified rate · Effective Sep 3, 2026
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More details - 2.85%APY$285 over 1 year on $10,000with conditions
Requirements
Product: Available in branch. Personal or business checking account required for promotional rates; Priority Banking checking, Private Banking, or PrimeTime/Primera membership required for Priority CD APYs. Penalty for early withdrawal. Monthly service charge is $0.
Offer: In-branch promotional rate. Standard CD rate; requires a First Hawaiian Bank personal or business checking account at account opening.
Qualified rate · Effective Sep 3, 2026
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More details - 2.70%APY$270 over 1 year on $10,000intro rate
Requirements
Product: Promo Rates are offered for one term when using existing funds or renewing a New Money Special Rate CD for the first time. Renews at Standard Rates thereafter.
Offer: For existing funds or renewing New Money Special CD. Online opening maximum $99,999.
Promotional rate · 2.70% interest rate · Effective Oct 15, 2026
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More details - 2.10%APY$210 over 1 year on $10,000with conditions
Requirements
Product: A Bankohana Checking account is required to open and maintain a Bankohana CD (minimum opening deposit $500). Standard CD rates. For maturities of less than one year, interest is paid at maturity; for one year or more, interest added to principal or paid at least annually.
Qualified rate · 2.10% interest rate · Effective Oct 15, 2026
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More details - 2.00%APY$200 over 1 year on $10,000intro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 12 months.
Promotional rate
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More details - 1.75%APY$175 over 1 year on $10,000
Requirements
Product: Standard CD rates. For maturities of less than one year, interest is not compounded and will be paid at maturity. For maturities of one year or more, interest added to principal or paid at least annually.
1.75% interest rate · Effective Oct 15, 2026
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More details - 0.20%APYintro rate
Requirements
Product: Fixed interest rate until maturity. Non-promotional CDs require a $1,000 minimum balance to open. Penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: Standard term of 12 to < 24 months.
Promotional rate · 0.20% interest rate · Effective Nov 4, 2026
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More details
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 Hawaii
21 CDs at 6 banks and credit unions · checked Nov 5
- Typical
- 2.70%
- Top 10% from
- 3.30%
- Banks, typical
- 2.70%
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Find your bank or credit union to see all its rates and how they compare near you.
Hawaii
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Kauai Ohana Federal Credit UnionCredit union · 1 branch
- CU Hawaii Federal Credit UnionCredit union · 10 branches
- Hawaii First FCUCredit union · 2 branches