MonitorBankRates
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CD Rates Kihei, Hawaii (HI) for April 2026

Current Kihei, Hawaii CD rates include Bank of HopeBank of Hope1279 S Kihei Rd, Kihei, HI 96753A+5.0 ★Texas Ratio: 3.52% offering 12-month CD at 3.80% APY, HawaiiUSA Federal Credit UnionHawaiiUSA Federal Credit Union41 E Lipoa St Ste 25, Kihei, HI 96753A+5.0 ★Texas Ratio: 2.50% offering 6-Month (182 days) Jumbo Certificate at 3.50% APY, American Savings Bank, FSBAmerican Savings Bank, FSB255 Piikea Ave, Kihei, HI 96753A+5.0 ★Texas Ratio: 2.15% offering 6-MONTH CD at 3.10% APY, Bank of HawaiiBank of Hawaii1280 S Kihei Rd Ste 116, Kihei, HI 96753A+5.0 ★Texas Ratio: 1.38% offering Bankohana New Money Special CD 6 Month at 3.05% APY, and Hawaii State Federal Credit UnionHawaii State Federal Credit Union277 Piikea Ave, Kihei, HI 96753A5.0 ★Texas Ratio: 7.48% offering 60-Month Term Share at 0.65% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Kihei has 26 local institutions in our database, with CD rates as high as 3.80% APY from Bank of Hope at 1279 S Kihei Rd, Kihei, HI 96753. 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: April 6, 2026

Compare Best CD Rates in Kihei, Hawaii & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
Bankohana New Money Special CD 3 Month
$25,000
3.05%
Rate
Min Deposit$25,000
Min Balance
UpdatedApr 6, 2026
Details

Minimum balance and qualifying deposit of $25,000 - $99,999.99

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
255 Piikea Ave, Kihei, HI 96753
3-MONTH CD
$10,000
3.00%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Deluxe & Private Banking Customers

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
32 - 90 day Jumbo CD
$100,000
0.03%
Rate0.03%
Min Deposit$100,000
Min Balance
UpdatedApr 6, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
3-Month CD
$1,000
3.30%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
3-month CD
$0
0.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
3-Month Share Certificate
$1,000
0.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
3 Month Share Certificates
$1,000
0.25%
Rate0.25%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
41 E Lipoa St Ste 25, Kihei, HI 96753
6-Month (182 days) Jumbo Certificate
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
255 Piikea Ave, Kihei, HI 96753
6-MONTH CD
$10,000
3.10%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Deluxe & Private Banking Customers

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
Bankohana New Money Special CD 6 Month
$5,000
3.05%
Rate
Min Deposit$5,000
Min Balance
UpdatedApr 6, 2026
Details

Minimum balance and qualifying deposit of $5,000 - $24,999.99

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
277 Piikea Ave, Kihei, HI 96753
6-Month Term Share
$1,000
0.15%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
91 - 180 day Jumbo CD
$100,000
0.03%
Rate0.03%
Min Deposit$100,000
Min Balance
UpdatedApr 6, 2026
Details

Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate SPECIAL
$2,500
4.06%
Rate4.00%
Min Deposit$2,500
Min Balance
UpdatedApr 6, 2026
Details

Quarterly Dividend Transfers, Non-Automatic Renewal, Simple Interest, Paid Quarterly! NEW MONEY ONLY!!!

Gather Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
6-Month Share Certificate
$1,000
4.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
6-month CD
$0
3.91%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

CD Promotion:

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 6 Month
$10,000
3.85%
Rate3.80%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
6-Month CD
$0
3.81%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6-Month CD
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6 Month Share Certificate
$1,000
3.20%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
6 Month Share Certificate
$0
2.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6-Month Term Share Certificates and IRA Certificates
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
6 mo Certificates
$10,000
0.70%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
1279 S Kihei Rd, Kihei, HI 96753
12-month CD
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Limited time offer. Only available in our branches.

HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
41 E Lipoa St Ste 25, Kihei, HI 96753
1-Year (365 days) Jumbo Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1280 S Kihei Rd Ste 116, Kihei, HI 96753
Bankohana New Money Special CD 12 Month
$5,000
2.95%
Rate
Min Deposit$5,000
Min Balance
UpdatedApr 6, 2026
Details

Minimum balance and qualifying deposit of $5,000 - $24,999.99

American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
255 Piikea Ave, Kihei, HI 96753
12-MONTH CD
$10,000
2.90%
Rate
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Deluxe & Private Banking Customers

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
277 Piikea Ave, Kihei, HI 96753
12-Month Term Share
$1,000
0.20%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
1 year IRA
$500
0.04%
Rate0.04%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
IRA Certificates - 1 year (13 months)
$500
3.85%
Rate3.79%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Business Certificates 12-Month Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

$1,000 minimum & early withdrawal penalty may be imposed.

CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1-Year Certificate Special
$500
3.70%
Rate
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12-Month CD
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 12 Month
$10,000
3.60%
Rate3.55%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
12 month IRA Share Certificate
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
12 mo Certificates
$500
3.45%
Rate
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES* 1-year
$1,000
3.25%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
12-Month CD
$1,000
3.20%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12-Month Term Share Certificates and IRA Certificates
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Kahuku Federal Credit Union
Institution Rating:
D3.3 ★Texas Ratio: 36.05%
1-year CD
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Traditional IRA & Roth IRA 1 year certificate
$0
0.65%
Rate0.65%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
41 E Lipoa St Ste 25, Kihei, HI 96753
18-Month Jump Start Add-On Share Certificate
$0
1.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
18 month Variable Rate IRA
$25
0.04%
Rate0.04%
Min Deposit$25
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
18 Month Share Certificate
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
18-Month CD
$1,000
3.15%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 18 Month
$10,000
3.09%
Rate3.05%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
18-Month Term Share Certificates and IRA Certificates
$0
3.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
18 Month Share Certificate
$0
3.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
18-month Certificate
$1,000
2.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

HOCU Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.94%
18 mo Certificates
$500
1.00%
Rate
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
41 E Lipoa St Ste 25, Kihei, HI 96753
2-Year (730 days) Share Certificate
$0
1.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
277 Piikea Ave, Kihei, HI 96753
24-Month Term Share
$1,000
0.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
2 year IRA
$100
0.06%
Rate0.06%
Min Deposit$100
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
24 month IRA Share Certificate
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
24-Month Term
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
24 Month Share Certificate
$500
3.30%
Rate3.30%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24-Month eCD
$1,000
3.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

You must open this account online.

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
24-Month Term Share Certificates and IRA Certificates
$0
3.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES* 2-year
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 24 Month
$10,000
2.83%
Rate2.80%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
24-month Certificate
$1,000
2.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Onomea Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.64%
Traditional IRA & Roth IRA 2 year certificate
$0
0.85%
Rate0.85%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
41 E Lipoa St Ste 25, Kihei, HI 96753
3-Year (1,095 days) Share Certificate
$0
1.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
277 Piikea Ave, Kihei, HI 96753
36-Month Term Share
$1,000
0.25%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
3 year IRA
$100
0.08%
Rate0.08%
Min Deposit$100
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
36 Month Share Certificate
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
24 or 36-Month CD
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
36-Month Term Share Certificates and IRA Certificates
$0
3.15%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES* 3-year
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 36 Month
$10,000
2.93%
Rate2.90%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
36 Month Share Certificate
$0
2.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 3-Year
$1,000
1.50%
Rate1.50%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
277 Piikea Ave, Kihei, HI 96753
48-Month Term Share
$1,000
0.30%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
207 Piikea Ave Ste 6 63, Kihei, HI 96753
4 year IRA
$100
0.08%
Rate0.08%
Min Deposit$100
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
48 Month Share Certificate
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
48-Month Term Share Certificates and IRA Certificates
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 48 Month
$10,000
3.09%
Rate3.05%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES* 4-year
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
48-Month Term
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.46%
IRA Certificate 4-Year
$1,000
1.00%
Rate1.00%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
41 E Lipoa St Ste 25, Kihei, HI 96753
5-Year (1,825 days) Share Certificate
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii State Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.48%
277 Piikea Ave, Kihei, HI 96753
60-Month Term Share
$1,000
0.65%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
60 Month Share Certificate
$0
4.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Finance Factors
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
48 or 60-Month CD
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
60-Month Term Share Certificates and IRA Certificates
$0
3.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Loyalty Share Certificates 60 Month
$10,000
3.19%
Rate3.15%
Min Deposit$10,000
Min Balance
UpdatedApr 6, 2026
Details

Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
SHARE CERTIFICATES* 5-year
$1,000
3.00%
Rate2.96%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Wailuku Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
60-Month Term
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
60 Month Share Certificate
$500
1.50%
Rate1.50%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Kihei, HI CD Rate Trends

Compare local Kihei, 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.

View Full Hawaii CD Trends →
12-Month CD — HI Avg
2.892%
▲ 0.547 vs 7 days ago

Hawaii 12-month CD rates rose 0.547 points over the past 7 days to 2.892% APY.

6-Month CD — HI Avg
2.883%
▲ 0.337 vs 7 days ago

Hawaii 6-month CD rates rose 0.337 points over the past 7 days to 2.883% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Kihei, Hawaii

Are CD rates in Kihei, Hawaii FDIC insured?

Yes, most established banks in Kihei, Hawaii are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Kihei, Hawaii?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Kihei, Hawaii.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Kihei, Hawaii may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Kihei, Hawaii?

Here are recent top rates found for this area:
  • Bank of Hope: 3.80% APY (12-month CD)
  • HawaiiUSA Federal Credit Union: 3.50% APY (6-Month (182 days) Jumbo Certificate)
  • American Savings Bank, FSB: 3.10% APY (6-MONTH CD)
  • Bank of Hawaii: 3.05% APY (Bankohana New Money Special CD 6 Month)
  • Hawaii State Federal Credit Union: 0.65% APY (60-Month Term Share)
  • Central Pacific Bank: 0.08% APY (4 year IRA)
  • Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL)
  • Gather Federal Credit Union: 4.00% APY (6-Month Share Certificate)
  • Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
  • Kahuku Federal Credit Union: 3.91% APY (6-month CD)
Rates reflect recent verified offers available in Kihei, Hawaii. Last Updated: April 6, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Kihei, 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 pulling data straight 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 Kihei, 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.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 6, 2026