HCFCU

Hawaii Central Federal Credit Union certificate (CD) rates

NCUA InsuredLast checked Nov 9, 2026

Today's posted certificate (CD) rates from Hawaii Central Federal Credit Union, copied from its own website, and every change we have recorded since Sep 30, 2026. 808rates is independent and not affiliated with HawaiiCentral FCU; no lender pays to be listed or ranked.

For people who live, work, worship or attend school on Oahu · Check eligibility

How HawaiiCentral FCU compares

CD / certificate
4.50% APY · highest of 8 (6-Month Share Certificate Special)
Compare certificate (CD) rates at every Hawaii lender →

Today's certificate (CD) rates

6-Month Share Certificate Special
APY
4.50%
Minimum
$1,000
Term
6 months
Checked Nov 9, 2026Lender's page dated Nov 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 Nov 9, 2026Lender's page dated Nov 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 Nov 9, 2026Lender's page dated Nov 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 Nov 9, 2026Lender's page dated Nov 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 Nov 9, 2026Lender's page dated Nov 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 Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Membership required: people who live, work, worship or attend school on Oahu.

Rate history

Each date is when the rate listed on 808rates.com changed, copied from HawaiiCentral FCU's page. Our verified history for certificate (CD) rates starts Sep 30, 2026.

6-Month Share Certificate Special
Changes to 6-Month Share Certificate Special
FromListed rate
Nov 3, 20264.50% APY
Oct 1, 20264.25% APY
6-Month Share Certificate

3.75% APY since Oct 1, 2026, with no change.

24-Month Share Certificate

3.34% APY since Oct 1, 2026, with no change.

18-Month Share Certificate

3.29% APY since Oct 1, 2026, with no change.

12-Month Share Certificate

3.03% APY since Oct 1, 2026, with no change.

60-Month Share Certificate

1.51% APY since Oct 1, 2026, with no change.

More HawaiiCentral FCU rates

Certificate (CD) rates at other Hawaii lenders

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