Compare Bank & Credit Union Rates
Best CD rates in Hawaii
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Hawaii
- Hawaiian Financial Federal Credit UnionShare CertificatesCD · 13 months · $2,000 min
Credit union · 10 branches
4.55%APY$494 over 13 months on $10,000Requirements
Product: Penalty for early withdrawal/closure. Fees could reduce earnings. Regular share certificate rates are simple interest paid monthly. Membership eligibility applies.
Offer: Simple interest paid monthly. Penalty for early withdrawal/closure.
4.55% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.50%APY$185 over 5 months on $10,000
Requirements
Product: Dividends credited and compounded monthly. Penalty may be imposed for early withdrawal.
Offer: Special Certificate. While supplies last.
Compounded monthly · Effective Oct 2, 2026
Rate checked
More details - 4.50%APY$223 over 6 months on $10,000
Requirements
Product: Ko'olau FCU membership required. Dividends compounded and credited quarterly. Average daily balance method used to calculate dividends. Early withdrawal penalty applies.
Offer: Minimum balance to earn APY is $1,000.00.
4.43% interest rate · Effective Oct 1, 2024
Rate checked
More details - 4.50%APY$336 over 9 months on $10,000intro rate
Requirements
Product: Credit Union membership and Hawaii residency required. Choose terms from 6 months to 5 years. A penalty may be imposed for early withdrawals. Fees may reduce earnings.
Offer: Special offer celebrating 90th Anniversary. All funds must come from another financial institution. Minimum to open and earn APY is $1,000. Maximum aggregate balance of $250,000 per member, per term. Fixed for initial term only; renewal rate may vary. Early withdrawal penalty may apply. Not applicable to IRA Term Share Accounts. Available to Hawaii residents only.
Promotional rate · Balance cap $250,000 · Effective Oct 1, 2026
Rate checked
More details - Honolulu Federal Credit Union (HOCU)90th Anniversary Certificate SpecialCD · 9 months · $500 min
Credit union · 5 branches
4.50%APY$336 over 9 months on $10,000intro rateRequirements
Product: Celebrate 90 years of serving Oahu with our best certificate rate yet. Deposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required. Offer subject to change without notice.
Offer: Deposits must come from another financial institution. Fees could reduce earnings. Early withdrawal penalties apply. The additional 0.05% APY for members 55 and over does not apply to this special. Membership required.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$2,462 over 60 months 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.
4.50% interest rate · Effective Oct 3, 2026
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More details - 4.40%APY$478 over 13 months on $10,000
Requirements
Product: Available to all current employees (grades Pre-K through College) of a Hawaii school or educational system. Proof of employment required. Specialty schools excluded. Quarterly dividends.
Offer: Earn quarterly dividends; paid out quarterly. Exclusive Educator rate.
Rate checked
More details - 4.33%APY$1,356 over 36 months on $10,000
Requirements
Product: Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii (par value of one share is $5.00 with a $1.00 membership fee; $50.00 opening balance required to open a Savings Account). Share Certificates may be subject to early withdrawal penalty. Additional deposits not allowed during term.
Offer: Suffix S36. Fixed rate. Dividends compounded and credited monthly. Account automatically renews.
Effective Oct 21, 2026
Rate checked
More details - Big Island Federal Credit UnionTerm Share CertificatesCD · 60 months · $500 min
Credit union · 3 branches
4.33%APY$2,361 over 60 months 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.
4.25% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: 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.
Offer: Dividends 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.
4.17% interest rate · Effective Oct 8, 2026
Rate checked
More details - Maui County Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 2 branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Fixed rate. Dividends credited monthly to Regular Share account or back to certificate. Automatic renewal with early withdrawal penalty. Credit Union membership required ($5.00 par value).
Offer: Fixed rate. Dividends credited monthly to Regular Share account or back to certificate. Early withdrawal penalty applies. Automatic renewal.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Hawaii Central Federal Credit UnionShare Certificate SpecialCD · 6 months · $1,000 min
Credit union · 2 branches
4.25%APY$210 over 6 months on $10,000intro rateRequirements
Product: This promotion is available for consumer accounts only. Funds must originate from another financial institution (new money required) to take advantage of promotional rate. Dividends compounded and credited monthly. Penalties may apply for early withdrawals.
Offer: New money required (funds must originate from another financial institution). Dividends compounded and credited monthly.
Promotional rate · 4.17% interest rate · Effective Aug 1, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000intro rate
Requirements
Product: The Rising Rate CD is a series of four (4) consecutive 7-month CDs, and each rate shown applies only for the term indicated, not for the full 28-month period. A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. Customers have a 10-day grace period at the end of each 7-month term to redeem funds without penalty. After the 4th term, CD renews into a 6-month CD at the then-current APY or funds can be redeemed. Available to State of Hawaii residents and businesses only. Penalty may be imposed for early withdrawal outside of the 10-day grace period.
Offer: 4th 7-month CD. Assumes interest will remain on deposit. Deposit must come from a financial institution other than Finance Factors. Available to State of Hawaii residents and businesses only.
Promotional rate · Effective Sep 21, 2026
Rate checked
More details - 4.20%APY$637 over 18 months on $10,000
4.14% interest rate · Effective Jun 1, 2026
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More details - 4.15%APY$450 over 13 months on $10,000intro rate
Requirements
Product: Insured by NCUA up to $250,000. Early withdrawal penalty may apply. Auto-renewal at maturity.
Offer: Earn quarterly dividends; paid out quarterly.
Promotional rate
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 CDs pay in Hawaii
377 CDs at 44 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.02%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.20%
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Hawaii
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- Maui County Federal Credit UnionCredit union · 2 branches
- Hawaii Community Federal Credit UnionCredit union · 9 branches