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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–15 results in Kapaa, HI metro

  1. HawaiiUSA FCU13-Month Educator Share CertificateCD · 13 months · $500 min

    Credit union · 1 branch

    4.40%APY$478 over 13 months on $10,000
  2. Top Carrot, Carrot Score 89
    Finance FactorsRising Rate CDCD · 7 months · $10,000 min

    Bank · 1 branch

    4.25%APY$246 over 7 months on $10,000intro rate
  3. Kaua'i Federal Credit UnionJumbo CertificatesCD · 18 months

    Credit union · 3 branches

    4.20%APY$637 over 18 months on $10,000
  4. HawaiiUSA FCUShare CertificateCD · 13 months · $500 min

    Credit union · 1 branch

    4.15%APY$450 over 13 months on $10,000intro rate
  5. Gather Federal Credit UnionShare CertificateCD · 6 months · $1,000 min

    Credit union · 7 branches

    4.00%APY$198 over 6 months on $10,000intro rate
  6. Aloha Pacific Federal Credit UnionCertificatesCD · 8 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$265 over 8 months on $10,000intro rate
  7. Kaua'i Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min

    Credit union · 3 branches

    4.00%APY$606 over 18 months on $10,000
  8. Top Carrot, Carrot Score 89
    Finance FactorsLong Term CD SpecialsCD · 36 months · $1,000 min

    Bank · 1 branch

    4.00%APY$1,249 over 36 months on $10,000
  9. Garden Island FCUShare CertificatesCD · 6 months · $500 min

    Credit union · 2 branches

    3.55%APY$176 over 6 months on $10,000
  10. Bank of HawaiiBankohana New Money Special CDCD · 12 months · $5,000 min

    Bank · 4 branches

    3.40%APY$340 over 1 year on $10,000with conditions
  11. Top Carrot, Carrot Score 89
    Finance FactorseCDCD · 24 months · $1,000 min

    Bank · 1 branch

    3.40%APY$692 over 24 months on $10,000
  12. Top Carrot, Carrot Score 89
    Finance FactorsShort Term CD SpecialsCD · 12 months · $1,000 min

    Bank · 1 branch

    3.30%APY$330 over 1 year on $10,000intro rate
  13. Bank of HawaiiRegular New Money Special CDCD · 12 months · $5,000 min

    Bank · 4 branches

    3.30%APY$330 over 1 year on $10,000intro rate
  14. American Savings BankCertificate of Deposit (CD)CD · 6 months · $10,000 min

    Bank · 2 branches

    3.10%APY$154 over 6 months on $10,000intro rate
  15. First Hawaiian BankCertificates of DepositCD · 6 months · $1,000 min

    Bank · 5 branches

    3.05%APY$151 over 6 months on $10,000with conditions

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 Kapaa, HI metro

153 CDs at 10 banks and credit unions · checked Oct 15–22

Typical
2.65%
Top 10% from
4.00%
Banks, typical
0.30%
Credit unions, typical
3.25%

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Kapaa, HI metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Finance FactorsBank · 1 branch
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CD rates by state

Best CD Rates of October 2026 | Carrot Rate