Kailua, Hawaii CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Kailua, Hawaii CD rates include Ko`olau Federal Credit UnionKo`olau Federal Credit Union6699 Mokapu Rd, KAILUA, HI 96734A+5.0 ★Texas Ratio: 3.02%Real return: +1.05%APY minus CPI (February 2026) offering IRA Certificates - 1 year (13 months) at 3.85% APY, Finance FactorsFinance Factors28 Oneawa St, Kailua, HI 96734A+5.0 ★Texas Ratio: 0.99%Real return: +0.50%APY minus CPI (February 2026) offering 48 or 60-Month CD at 3.30% APY, American Savings Bank, FSBAmerican Savings Bank, FSB200 Hamakua Dr, Kailua, HI 96734A+5.0 ★Texas Ratio: 2.15%Real return: +0.20%APY minus CPI (February 2026) offering 3-Month Certificate of Deposit at 3.00% APY, Schofield Federal Credit UnionSchofield Federal Credit UnionA+5.0 ★Texas Ratio: 0.10%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.00% APY, and Garden Island Federal Credit UnionGarden Island Federal Credit UnionA+5.0 ★Texas Ratio: 2.31%Real return: +1.05%APY minus CPI (February 2026) offering Loyalty Share Certificates 6 Month at 3.85% APY. CD rates as of June 9, 2026 according to verified data from MonitorBankRates.
Kailua has 18 local institutions in our database, with CD rates as high as 3.85% APY from Ko`olau Federal Credit Union at 6699 Mokapu Rd, KAILUA, HI 96734. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Hawaii area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 9, 2026
Compare Best CD Rates in Kailua, Hawaii & the Surrounding Area
Kailua 3 Month CD Rates
Funds must originate from another financial institution.
Kailua 6 Month CD Rates
Funds must originate from another financial institution.
Kailua 12 Month CD Rates
Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
Kailua 18 Month CD Rates
Kailua 24 Month CD Rates
Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
Kailua 36 Month CD Rates
This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.
Kailua 48 Month CD Rates
Kailua 60 Month CD Rates
This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Kailua, HI CD Rate Trends
Compare local Kailua, HI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii 12-month CD rates fell 0.030 points over the past 7 days to 2.729% APY.
Hawaii 6-month CD rates currently average 2.787% APY based on data from institutions in our monitoring network.
HI CD Rate Forecast — Next 12 Months
Where are Hawaii CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at HI CD Rates Today
Annual interest earnings at today’s Hawaii average APYs. State average used where available; national average as fallback.
| CD Term | HI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 6-Month CD | 2.787% | $139.33 | $278.66 | $696.65 | $1,393.30 |
| 12-Month CD | 2.729% | $136.46 | $272.92 | $682.30 | $1,364.60 |
| 18-Month CD | 2.119% | $105.96 | $211.91 | $529.78 | $1,059.55 |
| 24-Month CD | 2.231% | $111.57 | $223.13 | $557.83 | $1,115.65 |
| 36-Month CD | 2.031% | $101.56 | $203.12 | $507.80 | $1,015.60 |
| 48-Month CD | 2.315% | $115.76 | $231.51 | $578.78 | $1,157.55 |
| 60-Month CD | 1.950% | $97.51 | $195.01 | $487.53 | $975.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 9, 2026. | |||||
Sample CD Ladder for Kailua, Hawaii Savers
$25,000 split equally across 5 terms using today’s Hawaii average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | HI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.669% | $133.45 |
| 2 | 6-Month CD | $5,000 | 2.787% | $139.33 |
| 3 | 12-Month CD | $5,000 | 2.729% | $136.46 |
| 4 | 24-Month CD | $5,000 | 2.231% | $111.57 |
| 5 | 36-Month CD | $5,000 | 2.031% | $101.56 |
| Total ($25,000 invested) | $25,000 | 2.489% blended | $622.37/yr | |
Ladder example uses equal $5,000 rungs and Hawaii average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Kailua, Hawaii
About Our Kailua, Hawaii CD Rate Database
MonitorBankRates tracks 191 CD rates from 4 banks and 9 credit unions with locations in Kailua, Hawaii, plus national online institutions available to Hawaii residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Ko`olau Federal Credit Union offers a CD at 3.85% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Kailua, Hawaii.
How to Find the Best CD Rates in Kailua, Hawaii
What to compare when shopping for a CD in Kailua, Hawaii
To find the best APYs in Kailua, Hawaii, start with credit unions and online-only banks — Kailua, Hawaii has 9 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Kailua, Hawaii
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Kailua, Hawaii — 13 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Kailua, Hawaii savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Kailua, Hawaii money market rates
Hawaii Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
20.5% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s HI 12-month CD average of 2.729%, saving 10% of the local median salary ($4,818/year) and putting it in a CD would earn an additional $131 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Kailua, Hawaii
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Kailua, Hawaii
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Kailua, Hawaii typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Kailua, Hawaii as everywhere in the U.S.
Choosing a CD Term in Kailua, Hawaii
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kailua, Hawaii savers easier access to their funds. For example, Ko`olau Federal Credit Union is offering its 6 months Share Certificates at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Finance Factors is offering its 48 or 60-Month CD at 3.30% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Kailua, Hawaii Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Kailua, Hawaii saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Kailua, Hawaii
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Kailua, Hawaii CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Kailua, Hawaii
Most CDs carry a fixed rate that is locked for the entire term, protecting a Kailua, Hawaii depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Kailua, Hawaii
Are CD rates in Kailua, Hawaii FDIC insured?
Do I have to pay state taxes on CD interest in Kailua, Hawaii?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Kailua, Hawaii?
- Ko`olau Federal Credit Union: 3.85% APY (IRA Certificates - 1 year (13 months))
- Finance Factors: 3.30% APY (48 or 60-Month CD)
- American Savings Bank, FSB: 3.00% APY (3-Month Certificate of Deposit)
- Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
- Garden Island Federal Credit Union: 3.85% APY (Loyalty Share Certificates 6 Month)
- CU Hawaii Federal Credit Union: 3.70% APY (12 Month)
- Big Island Federal Credit Union: 3.56% APY (Term Share Certificates 6 Months)
- HAWAIIAN ELECTRIC EMPLOYEES: 3.50% APY (3 Year Share Certificates)
- Kahului Federal Credit Union: 3.50% APY (6 Months Share Certificate)
- Hotel And Travel Industry Federal Credit Union: 3.00% APY (IRA Certificate 1-Year)
CD Calculators for Kailua, Hawaii
At today’s HI top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.
Kailua, Hawaii CD LadderHI CD rates currently range from 2.669% (3-month) to 2.031% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Kailua, Hawaii CD at 3.85% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsHawaii’s average 12-month CD is 2.729% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kailua, Hawaii CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Kailua, Hawaii directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Kailua, Hawaii. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in HI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
