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 16–30 results in Honolulu, HI
- 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 Central Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.75%APY$186 over 6 months on $10,000Requirements
Product: Fixed dividend rate and APY for the term of the account. Dividends compounded and credited monthly or quarterly depending on schedule/term. Early withdrawal penalties apply.
Offer: Dividends compounded and credited monthly.
3.69% interest rate · Effective Aug 4, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
- ILWU Credit UnionCertificatesCD · 6 months · $1,000 min · 3.50%–3.80% by balance
Credit union · 1 branch
3.50%APY$173 over 6 months on $10,000Requirements
Product: Tiered balance ranges from $1,000 up to $100,000. Dividends paid quarterly or at maturity into the account of choice (or monthly and at maturity per rate table). Early withdrawal penalties may apply.
Offer: Tier 1
3.45% interest rate · Effective Jun 17, 2024
Rate by balance
Rate by balance for Certificates Balance APY $1,000 – $25,000Your amount 3.50% $25,000 – $50,000Tier 2 3.60% $50,000 – $100,000Tier 3 3.70% $100,000 and upTier 4 3.80% Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.44% interest rate · Effective Oct 9, 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 - 3.05%APY$151 over 6 months 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
Rate checked
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. Bankohana Checking account is required ($500 minimum deposit). Not applicable to retirement accounts.
Offer: Minimum balance $2,500.
Qualified rate · 2.90% interest rate · Effective Jun 4, 2026
Rate checked
More details - Lōkahi Federal Credit UnionPrincipal Plus CertificateCD · 12–17 months · $500 min
Credit union · 1 branch
2.75%APYRequirements
Product: Lokahi FCU membership required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity. Reinvest dividends automatically to maximize compounding.
Effective Jun 1, 2025
Rate checked
More details - 2.70%APY$67 over 3 months 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. Not applicable to retirement accounts.
Offer: Must be opened in-branch with $2,500 or more, or online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account.
Promotional rate · 2.70% interest rate · Effective Jun 4, 2026
Rate by balance
Rate by balance for Regular Promo CD Balance APY $2,500 – $100,000Your amount 2.70% $100,000 and upJumbo tier. Must be opened in-branch with a qualifying deposit of $100,000 or more. 2.90% 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