Compare Bank & Credit Union Rates
Best CD rates in Lihue, HI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lihue, HI
- 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.
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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
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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
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More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Membership at Gather FCU required. Fixed rates. Penalty for early withdrawal.
Offer: Dividends are credited monthly and transferred to a designated share account or mailed by check.
Promotional rate · Effective Jan 2, 2025
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More details - 4.00%APY$606 over 18 months on $10,000
3.94% interest rate · Effective Jun 1, 2026
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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
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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
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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
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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
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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
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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
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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
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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
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More details - 3.03%APY$303 over 1 year on $10,000
3.00% interest rate · Effective Jun 1, 2026
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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 Lihue, HI
137 CDs at 8 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.48%
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Kapaa, HI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Finance FactorsBank · 1 branch