Compare Bank & Credit Union Rates
Best CD rates in Honolulu, HI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Honolulu, HI
- Hawaiian Financial Federal Credit UnionShare CertificatesCD · 13 months · $2,000 min
Credit union · 6 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$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 · 4 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 - 4.40%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 - 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 - 4.15%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 - 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 21, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$268 over 8 months on $10,000
Requirements
Product: Dividends are paid monthly and calculated daily. Fixed-rate returns guaranteed for the entire term of the account. Deposits and withdrawals are subject to a seven-calendar-day grace period after maturity, otherwise automatically renews. Penalties apply for early withdrawals. Fees could reduce earnings on the account. Federally insured by NCUA.
Offer: Certificate Special.
Effective Oct 3, 2026
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$265 over 8 months on $10,000intro rate
Requirements
Product: Credit union membership is required. Fixed rate for the term. Dividends are compounded and credited monthly. Early withdrawal penalties may apply if funds are withdrawn before the maturity date. Fees may reduce earnings.
Offer: 8 Month 90th Anniversary Certificate Special. $1,000.00 minimum opening balance. Automatically renews into a 6 month term. Offer subject to change at any time.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Dividends compounded and credited quarterly.
Offer: 9 Months CD Special.
Promotional rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 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 Honolulu, HI
239 CDs at 22 banks and credit unions · checked Oct 15–22
- Typical
- 2.35%
- Top 10% from
- 3.85%
- Banks, typical
- 0.30%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Urban Honolulu, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- Finance FactorsBank · 9 branches
- Navy Federal Credit UnionCredit union · 5 branches