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.
Top CD rates
Showing 16–30 results in Hawaii
- 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 · 5 branches
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 - 4.06%APY$201 over 6 months on $10,000intro rate
Requirements
Product: NEW MONEY ONLY. Quarterly dividend transfers to share account, non-automatic renewal, simple interest paid quarterly.
Offer: New money only; interest must be transferred to share account; quarterly dividend transfers; non-automatic renewal; simple interest paid quarterly.
Promotional rate · 4.00% interest rate · Balance cap $250,000 · Effective Jan 1, 2026
Rate checked
More details - 4.05%APY$200 over 6 months 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.
3.98% interest rate · Effective Oct 1, 2026
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$198 over 6 months on $10,000
Requirements
Product: No setup fees. Minimum initial deposit is $1,000.
Offer: Dividends compound monthly. Early withdrawal penalty applies (6 to 11 months: 60 days of dividends).
Effective Oct 16, 2026
Rate checked
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
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
Offer: Limited time offer. Early withdrawal penalty applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
Promotional rate · 3.93% interest rate · Effective Aug 1, 2026
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
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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
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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
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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 - Hawaii Community Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · 9 branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply. Membership requirements apply. Fees could reduce earnings on the account.
3.93% interest rate · Effective Sep 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 Hawaii
377 CDs at 44 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.02%
- Banks, typical
- 0.30%
- Credit unions, typical
- 3.20%
Is your bank paying you enough?
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