HCFCU
Hawaii Central Federal Credit Union rates
NCUA InsuredLast checked Oct 2, 2026
Today's posted savings and certificate rates from Hawaii Central Federal Credit Union, copied from its own website and checked every business day. 808rates is independent and not affiliated with HawaiiCentral FCU; no lender pays to be listed or ranked. HawaiiCentral FCU website
For people who live, work, worship or attend school on Oahu · Check eligibility
How HawaiiCentral FCU compares
Each lender's best posted rate in each category, among the lenders we track that post one. Rates may carry conditions (membership, credit tier, balance, island); see each row below.
- Savings
- 0.15% APY · 5th highest of 9 (Money Market Investment)
- CD / certificate
- 4.25% APY · 2nd highest of 8 (6-Month Share Certificate Special)
Savings accounts
Compare all lenders →Money Market Investment
APY
0.15%
Minimum
$500
Term
—
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: $500 to open. Membership required: people who live, work, worship or attend school on Oahu.
Regular Share
APY
0.10%
Minimum
$100
Term
—
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: $25 to open; $100 balance to earn the APY. Membership required: people who live, work, worship or attend school on Oahu.
Certificates
Compare all lenders →6-Month Share Certificate Special
APY
4.25%
Minimum
$1,000
Term
6 months
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: New money required. Membership required: people who live, work, worship or attend school on Oahu.
6-Month Share Certificate
APY
3.75%
Minimum
$1,000
Term
6 months
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
24-Month Share Certificate
APY
3.34%
Minimum
$500
Term
24 months
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
18-Month Share Certificate
APY
3.29%
Minimum
$500
Term
18 months
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
12-Month Share Certificate
APY
3.03%
Minimum
$500
Term
12 months
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
60-Month Share Certificate
APY
1.51%
Minimum
$500
Term
60 months
Checked Oct 2, 2026Lender's page dated Aug 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.
Other Hawaii lenders we track
- First Hawaiian Bank
- Bank of Hawaii
- Central Pacific Bank
- American Savings Bank
- Hawaii State Federal Credit Union
- Pearl Hawaii Federal Credit Union
- Finance Factors
- University of Hawaii Federal Credit Union
Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates