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
- 4.25%APY$425 over 1 year 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.
4.18% interest rate · Effective Oct 1, 2024
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 · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 5 branches
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% 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 - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Tax Deferred Certificate. Compounding at maturity. Early withdrawal penalty applies (12 to 23 months: 90 days of dividends).
Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000. Dividends are credited back to the certificate or credited to regular shares on the last calendar day of the month. Early withdrawal penalty may be imposed. Fees may reduce earnings.
3.93% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Signia Credit Union membership is required. Early withdrawal penalty may be imposed if withdrawal occurs before maturity.
Offer: Offer is effective as of 1/1/2026 and is subject to change or discontinue at any time, without notice. Maximum deposit amount with existing Signia Credit Union funds is $25,000.00 per member. No deposit limit amount from funds at another financial institution.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000
3.89% interest rate · Effective Jun 1, 2026
Rate checked
More details - Big Island Federal Credit UnionTerm Share CertificatesCD · 12 months · $500 min
Credit union · 3 branches
3.82%APY$382 over 1 year 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.
3.75% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000intro rate
Requirements
Product: Membership at Gather FCU required. Fixed rates. Penalty for early withdrawal.
Offer: Limited-time offer valid from 5/20/25. No new money requirements.
Promotional rate · Balance cap $245,000
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
3.70% interest rate · Effective Jun 1, 2026
Rate checked
More details - Hawaii Community Federal Credit UnionShare CertificateCD · 12 months · $1,000 min
Credit union · 9 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.69% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.70%APY$370 over 1 year 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.
3.70% interest rate · Effective Oct 3, 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 - ILWU Credit UnionCertificatesCD · 12 months · $1,000 min · 3.50%–3.80% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year 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
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 1-year CDs pay in Hawaii
70 CDs at 43 banks and credit unions · checked Oct 15–22
- Typical
- 2.95%
- Top 10% from
- 3.96%
- Banks, typical
- 2.43%
- Credit unions, typical
- 3.23%
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Find your bank or credit union to see all its rates and how they compare near you.
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