Hawaii Savings & CD Rates
Top savings at 3.15% APY · Top CD at 3.65% APY
Rates sorted by highest APY. Sorting is not influenced by advertising or referral fees.
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Understanding Hawaii Savings & CD Rates
Hawaii's credit unions tend to offer higher yields on savings and certificate accounts compared to the big four banks. All 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. When comparing rates, pay attention to minimum balance requirements and early withdrawal penalties on CDs.
Savings Tips
- Compare APY, not rate. APY accounts for compounding and gives a true comparison.
- Check minimums. Some high-APY accounts require $10K+ minimum balances.
- CD laddering. Spread deposits across multiple terms to balance yield and liquidity.
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