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 71 results in Hawaii
- 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 - 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 - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000. Dividends are credited back to the certificate or credited to regular shares on the last calendar day of the month. Early withdrawal penalty may be imposed. Fees may reduce earnings.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Membership eligibility required; rates subject to change without notice; Jumbo rates (investments of $100,000 and over) available upon request; early withdrawal penalties apply. Fees could reduce earnings on the account.
Offer: Dividend Paid Quarterly
4.04% interest rate · Effective Oct 29, 2026
Rate checked
More details - 4.07%APY$407 over 1 year on $10,000
Requirements
Product: Membership required and open to those who live, work, worship, attend school, volunteer, or participate in associations headquartered on Hawaii Island. Par value of one share is $5.00 with a $50.00 minimum opening balance for a savings account. Penalty applies for early withdrawal. Account automatically renews with a 10-day grace period.
4.00% interest rate · Effective Nov 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 5 branches
4.05%APY$405 over 1 year on $10,000Requirements
Product: Tier applies to minimum balances of $1K and $20K. Dividends compounded daily, credited monthly. Early withdrawal penalties apply.
Offer: Tier applies to minimum balances of $1K and $20K. Dividends compounded daily, credited monthly. Early withdrawal penalties apply.
Compounded daily · Effective Nov 6, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $100,000 and upTier applies to minimum balance of $100K. 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends compounded daily, credited monthly. Penalties apply for early withdrawals. Add money any time until maturity.
Offer: Dividends compounded daily, credited monthly. Penalties apply for early withdrawals. Add money any time until maturity.
3.92% interest rate · Compounded daily · Effective Nov 6, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Signia Credit Union membership is required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
Offer: Offer 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.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Tax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).
Effective Oct 30, 2026
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More details - 3.95%APY$395 over 1 year on $10,000
3.89% interest rate · Effective Jun 1, 2026
Rate checked
More details - Big Island Federal Credit UnionTerm Share CertificatesCD · 12 months · $500 min
Credit union · 3 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
Offer: Dividends are compounded and credited monthly. Early withdrawal penalties may apply.
3.75% interest rate · Effective Oct 29, 2026
Rate checked
More details - Hawaii Community Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · 9 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.69% interest rate · Effective Nov 5, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
3.70% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Fixed rates for predictable returns. Early withdrawals subject to penalty. No setup or maintenance fees. Maximum deposit $1,000,000 in aggregate per Taxpayer Identification Number.
3.70% interest rate · Effective Oct 29, 2026
Rate checked
More details - Hawaii County Employees FCUShare Certificate AccountCD · 12 months · $2,500 min
Credit union · 1 branch
3.70%APY$370 over 1 year on $10,000Requirements
Product: Minimum opening deposit of $2,500.00. Not automatically renewable; account balance transfers to another account upon maturity. Dividends credited monthly. Additional deposits not allowed. Early withdrawal penalties apply.
3.70% interest rate · Effective Jan 23, 2026
Rate checked
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
71 CDs at 46 banks and credit unions · checked Nov 5–6
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.70%
- Credit unions, typical
- 3.23%
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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