Compare Bank & Credit Union Rates
Best CD rates in Hilo, HI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Hilo, HI
- 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
Rate checked
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 · 1 branch
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$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 - 4.15%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
More details - Hawaii Community Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.93% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.00%APY$1,249 over 36 months on $10,000
Requirements
Product: Available to Hawaii residents and businesses only. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal. Deposit must be drawn from a financial institution other than Finance Factors.
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 Sep 28, 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 - 3.40%APY$340 over 1 year on $10,000with conditions
Requirements
Product: Requires new money from another financial institution. A Bankohana Checking account is required (can be opened with $500 minimum deposit). CD renews at Promo rate for one term, then Standard rate. Not applicable to retirement accounts.
Offer: Must be funded entirely from another financial institution in a single deposit. Not combinable with existing funds.
Qualified rate · Effective Jul 29, 2026
Rate checked
More details - 3.40%APY$692 over 24 months 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
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000intro rate
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.
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.
Promotional rate · Effective Jun 15, 2026
Rate checked
More details - 3.30%APY$330 over 1 year on $10,000intro rate
Requirements
Product: Requires new money from another financial institution. CD renews at Promo rate for one term, then Standard rate. Not applicable to retirement accounts.
Offer: Must be funded entirely from another financial institution in a single deposit. Not combinable with existing funds.
Promotional rate · Effective Jul 29, 2026
Rate checked
More details - 3.10%APY$154 over 6 months 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 Oct 14, 2026
Rate checked
More details - 3.05%APY$151 over 6 months 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
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 CDs pay in Hilo, HI
144 CDs at 12 banks and credit unions · checked Oct 15–22
- Typical
- 2.63%
- Top 10% from
- 4.00%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Hilo, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hawaii Community Federal Credit UnionCredit union · 9 branches
- Hawaii County Employees FCUCredit union · 1 branch
- CU Hawaii Federal Credit UnionCredit union · 10 branches