808Rates

Hawaii CD Rates

Certificates and share certificates, grouped by term and ranked by APY. Checked Oct 7, 2026.

Each APY is copied from the lender's own page. A certificate is listed when that page prints a date within the last 12 months. Within a term, the highest APY is first. Promotional interest rates are shown separately and are not used for ranking. Sorting is not influenced by advertising or referral fees.

Rates refreshed Oct 7 · 9:49 AM HST

3-month CDs

FF
Finance Factors#1 APY
FDIC Insured
Product
3-Month CD Special
APY
3.15%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Jun 15, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
First Hawaiian Bank
First Hawaiian#2
FDIC Insured
Product
3-Month CD (Promo)
APY
2.95%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 3, 2026 · sourceConditions: In-branch promo; requires an FHB checking account. Priority Banking customers earn 3.00% APY.

6-month CDs

HCFCU
HawaiiCentral FCU#1 APY
NCUA Insured
Product
6-Month Share Certificate Special
APY
4.25%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Aug 1, 2026 · sourceConditions: New money required. Membership required: people who live, work, worship or attend school on Oahu.
HCFCU
HawaiiCentral FCU#2
NCUA Insured
Product
6-Month Share Certificate
APY
3.75%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
FF
Finance Factors#3
FDIC Insured
Product
6-Month CD Special
APY
3.20%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Jun 15, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
6-Month Online CD (Promo)
APY
3.05%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 3, 2026 · sourceConditions: Opened online at fhb.com; personal accounts only; $250,000 maximum.
BOH
Bank of Hawaii
FDIC Insured
Product
6-Month Bankohana New Money Special
APY
3.05%
Checked Oct 7, 2026Min. deposit: $5,000Lender's page dated Jul 29, 2026 · sourceConditions: Funded entirely with money from another institution; requires a Bankohana checking account.
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
6-Month CD (Promo)
APY
3.00%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 3, 2026 · sourceConditions: In-branch promo; requires an FHB checking account. Priority Banking customers earn 3.05% APY.
American Savings Bank
American Savings
FDIC Insured
Product
6-Month Special CD
APY
2.75%
Checked Oct 7, 2026Min. deposit: $10,000Lender's page dated Oct 1, 2026 · sourceConditions: $10,000 minimum from another institution.

8-month CDs

Pearl Hawaii Federal Credit Union
Pearl Hawaii FCU#1 APY
NCUA Insured
Product
8-Month Certificate
APY
4.05%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Oct 7, 2026 · source

9-month CDs

Hawaii State Federal Credit Union
Hawaii State FCU#1 APY
NCUA Insured
Product
9-Month Term Share
APY
4.50%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Oct 1, 2026 · sourceConditions: All funds must come from another financial institution; $1,000 minimum; $250,000 maximum per member, per term.
HIFICU
Product
9-Month Share Certificate
APY
4.25%
Checked Oct 7, 2026Min. deposit: $2,000Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

12-month CDs

BOH
Bank of Hawaii#1 APY
FDIC Insured
Product
12-Month Bankohana New Money Special
APY
3.40%
Checked Oct 7, 2026Min. deposit: $5,000Lender's page dated Jul 29, 2026 · sourceConditions: Funded entirely with money from another institution; requires a Bankohana checking account.
FF
Finance Factors#2
FDIC Insured
Product
12-Month CD Special
APY
3.30%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Jun 15, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
FF
Finance Factors#3
FDIC Insured
Product
12-Month eCD Special
APY
3.30%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 28, 2026 · sourceConditions: Open online only. Opening deposit must come from another financial institution. Hawaii residents and businesses only.
HCFCU
HawaiiCentral FCU
NCUA Insured
Product
12-Month Share Certificate
APY
3.03%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
12-Month Online CD (Promo)
APY
2.90%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 3, 2026 · sourceConditions: Opened online at fhb.com; personal accounts only; $250,000 maximum.
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
12-Month CD (Promo)
APY
2.85%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 3, 2026 · sourceConditions: In-branch promo; requires an FHB checking account. Priority Banking customers earn 2.90% APY.
HIFICU
Product
12-Month Share Certificate
APY
2.00%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
Pearl Hawaii Federal Credit Union
Pearl Hawaii FCU
NCUA Insured
Product
12-Month Certificate
APY
1.25%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Oct 7, 2026 · source

13-month CDs

Hawaii State Federal Credit Union
Hawaii State FCU#1 APY
NCUA Insured
Product
13-Month Term Share
APY
3.35%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Oct 1, 2026 · source

18-month CDs

HCFCU
HawaiiCentral FCU#1 APY
NCUA Insured
Product
18-Month Share Certificate
APY
3.29%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.

24-month CDs

FF
Finance Factors#1 APY
FDIC Insured
Product
24-Month eCD Special
APY
3.75%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 28, 2026 · sourceConditions: Open online only. Opening deposit must come from another financial institution. Hawaii residents and businesses only.
FF
Finance Factors#2
FDIC Insured
Product
24-Month CD Special
APY
3.75%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
HCFCU
HawaiiCentral FCU#3
NCUA Insured
Product
24-Month Share Certificate
APY
3.34%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
HIFICU
Product
24-Month Share Certificate
APY
2.50%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

36-month CDs

FF
Finance Factors#1 APY
FDIC Insured
Product
36-Month CD Special
APY
4.00%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
HIFICU
Product
36-Month Share Certificate
APY
2.75%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Sep 21, 2026 · sourceConditions: Membership required: people who live, work, worship or go to school on Oahu or in Maui County.

48-month CDs

FF
Finance Factors#1 APY
FDIC Insured
Product
48-Month CD Special
APY
4.00%
Checked Oct 7, 2026Min. deposit: $1,000Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.

60-month CDs

HCFCU
HawaiiCentral FCU#1 APY
NCUA Insured
Product
60-Month Share Certificate
APY
1.51%
Checked Oct 7, 2026Min. deposit: $500Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.

About these Hawaii CD rates

Grouping by term puts the same length of certificate next to each other. Deposits at FDIC-insured banks are protected up to $250,000 per depositor, and NCUA-insured credit union deposits receive the same level of protection. Read the minimum deposit and the conditions on each row, and confirm the rate with the institution before you open an account. 808 Rates is not a lender or broker, and no lender pays to be listed or ranked.

Savings and CD board · How we rank

Before you open a CD

  • Compare APY. The APY includes compounding, so it is the figure used to rank each term.
  • Read the conditions. Minimum deposit, new money, membership, and promo rules are shown when the lender states them.
  • Match the term to the money. A longer term keeps the rate for longer and the money locked up.