Volcano, Hawaii Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Volcano, Hawaii CD rates from banks and credit unions serving Hawaii range from 0.01% to 4.50% APY, verified by MonitorBankRates as of October 15, 2026. Current Volcano, Hawaii CD rates include CU Hawaii Federal Credit UnionCU Hawaii Federal Credit UnionA+5.0 ★Texas Ratio: 1.37%Real return: +1.70%APY minus CPI (February 2026) offering 60 Month Certificates at 4.50% APY, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Big Island Federal Credit UnionBig Island Federal Credit UnionA+5.0 ★Texas Ratio: 0.37%Real return: +1.53%APY minus CPI (February 2026) offering Term Share Certificate - 5 Years at 4.33% APY, Maui County Federal Credit UnionMaui County Federal Credit UnionA5.0 ★Texas Ratio: 6.63%Real return: +1.45%APY minus CPI (February 2026) offering Share Certificates - 6-month at 4.25% APY, and Kauai Teachers Federal Credit UnionKauai Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.40%APY minus CPI (February 2026) offering 1 Year IRA Certificates at 4.20% APY. CD rates as of October 15, 2026 according to verified data from MonitorBankRates.
Volcano is a smaller community with no bank or credit union branches currently in our database. 398 institutions serving the Hawaii area are available to Volcano residents, with CD rates as high as 4.50% APY from CU Hawaii Federal Credit Union. Rates are continually updated, so 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: October 15, 2026
Compare Best CD Rates in Volcano, Hawaii & the Surrounding Area
Volcano 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Bankohana New Money Special CD
$0
3.20%
▲ 1.33% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.33% above avgNationally 2.12%
Details
Balance: $25,000.00 - $99,999.99; New Money Special; funded entirely from another financial institution
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 6 times
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Regular New Money Special CD
$0
3.20%
▲ 1.33% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.33% above avgNationally 2.12%
Details
Balance: $100,000.00 and over; New Money Special; funded entirely from another financial institution
Rate History
3 changes since Sep 18, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
- Oct 14, 20263.20%▲ from 2.90%
- Oct 7, 20262.90%▼ from 3.15%
- Sep 27, 20263.15%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Regular New Money Special CD
$0
3.15%
▲ 1.28% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.28% above avgNationally 2.12%
Details
Balance: $25,000.00 - $99,999.99; New Money Special; funded entirely from another financial institution
Rate History
3 changes since Sep 18, 2026 · 2.90% → 3.15% ▲ 0.25 pts · high 3.15% / low 2.90%
- Oct 14, 20263.15%▲ from 2.90%
- Oct 7, 20262.90%▼ from 3.15%
- Sep 27, 20263.15%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
3-Month CD
$1,000
3.15%
▲ 1.28% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.28% above avgNationally 2.12%
Details
Short Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 7 times
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3-month CD
$1,000
2.95%
▲ 1.08% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.08% above avgNationally 2.12%
Details
In-Branch CD Promotional Rate; CD promotion requires personal or business checking account at opening
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.95% ▼ 0.05 pts · high 3.00% / low 2.95%
- Oct 12, 20262.95%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Bankohana Promo CD
$0
2.90%
▲ 1.03% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.03% above avgNationally 2.12%
Details
Balance: $100,000.00 and over; Bankohana checking account required; opened in-branch with qualifying deposit of $100,000 or more
Rate History
No change since Oct 14, 2026 · 2.90% APY
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Regular Promo CD
$0
2.90%
▲ 1.03% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 1.03% above avgNationally 2.12%
Details
Balance: $100,000.00 and over; opened in-branch with qualifying deposit of $100,000 or more
Rate History
1 change since Sep 18, 2026 · 3.15% → 2.90% ▼ 0.25 pts · high 3.15% / low 2.90%
- Sep 24, 20262.90%▼ from 3.15%
- Sep 18, 20263.15%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Bankohana Promo CD
$0
2.80%
▲ 0.93% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 0.93% above avgNationally 2.12%
Details
Balance: $2,500.00 - $99,999.99; Bankohana checking account required; opened in-branch with $2,500 or more or online funded from existing Bank of Hawaii account
Rate History
No change since Oct 14, 2026 · 2.80% APY
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Certificate of Deposit (CD) - 3-Month Term
$0
2.75%
▲ 0.88% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 0.88% above avgNationally 2.12%
Details
Minimum Balance from Another Financial Institution; Current Promotional Rates
Rate History
No change since Oct 14, 2026 · 2.75% APY
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
3 Month Regular Promo CD
$0
2.70%
▲ 0.83% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▲ 0.83% above avgNationally 2.12%
Details
Balance: $2,500.00 - $99,999.99; opened in-branch with $2,500 or more or online funded from existing Bank of Hawaii account
Rate History
1 change since Sep 18, 2026 · 3.15% → 2.70% ▼ 0.45 pts · high 3.15% / low 2.70%
- Sep 24, 20262.70%▼ from 3.15%
- Sep 18, 20263.15%first recorded
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 3 Month
$2,000
2.00%
▲ 0.13% above Hawaii avg
▼
Rate1.98%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average1.87%▲ 0.13% above avgNationally 2.12%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.32% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 0.32% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.37% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 0.37% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
90 Day Certificate
$0
1.00%
▼ 0.87% below Hawaii avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average1.87%▼ 0.87% below avgNationally 2.12%
Details
Minimum $1000; Dividend Paid Quarterly
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 5 times
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
3-month CD
$500
0.80%
▼ 1.07% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average1.87%▼ 1.07% below avgNationally 2.12%
Details
Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.
Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3-Month Share Certificate
$1,000
0.50%
▼ 1.37% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average1.87%▼ 1.37% below avgNationally 2.12%
Details
Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 3 Month
$1,000
0.25%
▼ 1.62% below Hawaii avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average1.87%▼ 1.62% below avgNationally 2.12%
Details
Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 5 times
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
30-90 Days CD
$100,000
0.05%
▼ 1.82% below Hawaii avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 1.82% below avgNationally 2.12%
Details
In-Branch Jumbo CD Rate
Rate History
1 change since Sep 14, 2026 · 0.08% → 0.05% ▼ 0.03 pts · high 0.08% / low 0.05%
- Oct 14, 20260.05%▼ from 0.08%
- Sep 14, 20260.08%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
32 - 90 Day Jumbo CD
$100,000
0.03%
▼ 1.84% below Hawaii avg
▼
Rate0.03%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 1.84% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
30-90 Days CD
$1,000
0.03%
▼ 1.84% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 1.84% below avgNationally 2.12%
Details
In-Branch CD Rate
Rate History
1 change since Sep 14, 2026 · 0.08% → 0.03% ▼ 0.05 pts · high 0.08% / low 0.03%
- Oct 14, 20260.03%▼ from 0.08%
- Sep 14, 20260.08%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
32 - 90 day CD
$500
0.01%
▼ 1.86% below Hawaii avg
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 1.86% below avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 0.01% APY
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
91 - 180 day CD (3 months to less than 6 months)
$500
0.01%
▼ 1.86% below Hawaii avg
▼
Rate0.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average1.87%▼ 1.86% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 7 times
Volcano 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 6-month
$1,000
4.25%
▲ 1.32% above Hawaii avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 1.32% above avgNationally 2.78%
Details
Dividend Frequency: Monthly
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 3 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month IRA Certificates
$0
4.20%
▲ 1.27% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 1.27% above avgNationally 2.78%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
6 Month Share Certificate
$0
4.20%
▲ 1.27% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 1.27% above avgNationally 2.78%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Month Share Certificate
$0
4.05%
▲ 1.12% above Hawaii avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 1.12% above avgNationally 2.78%
Details
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
- Oct 4, 20264.05%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Share Certificate
$0
4.00%
▲ 1.07% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.78%
Details
Maximum balance: $250,000.00; Interest must be transferred to share account; APY is accurate as of 01/01/26; Fees could reduce earnings on your certificate
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 6 Month
$1,000
4.00%
▲ 1.07% above Hawaii avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.78%
Details
Limited Time Offer; Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
6-Month Share Certificate
$1,000
4.00%
▲ 1.07% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 1.07% above avgNationally 2.78%
Details
Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
6-month CD
$0
3.91%
▲ 0.98% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.98% above avgNationally 2.78%
Details
CD Promotion; Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts.
Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 2 times
Kahuku Federal Credit Union
Institution Rating:
D3.0 ★Texas Ratio: 38.81%
CD Promotion: 6-month CD
$500
3.91%
▲ 0.98% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.93%▲ 0.98% above avgNationally 2.78%
Details
Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.
Rate History
No change since Oct 12, 2026 · 3.91% APY
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 6 Month
$10,000
3.85%
▲ 0.92% above Hawaii avg
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.92% above avgNationally 2.78%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.85% APY
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
6 Month Share Certificates
$1,000
3.75%
▲ 0.82% above Hawaii avg
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.78%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Month Share Certificate Special
$0
3.75%
▲ 0.82% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.78%
Details
6 Months CD Special at 3.75% APY
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6 Months CD Special
$0
3.75%
▲ 0.82% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.78%
Details
Special promotional CD rate
Rate History
1 change since Sep 12, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
6-Month Share Certificate
$5,000
3.75%
▲ 0.82% above Hawaii avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.78%
Details
Requires a minimum deposit of $5,000 (new or existing funds)
Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 4 times
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
6 Month Share Certificate
$1,000
3.75%
▲ 0.82% above Hawaii avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.78%
Details
Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.82% above Hawaii avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.82% above avgNationally 2.78%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 6 Month
$100,000
3.70%
▲ 0.77% above Hawaii avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.77% above avgNationally 2.78%
Details
Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 6 Months
$500
3.56%
▲ 0.63% above Hawaii avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.63% above avgNationally 2.78%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
6 Month Share Certificate Account
$2,500
3.55%
▲ 0.62% above Hawaii avg
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.62% above avgNationally 2.78%
Details
Rates Effective: January 23, 2026; Dividend Period: Account's Term; Renewable: Not Automatically Renewable; Additional Deposits: Not Allowed; Dividends Credited: Monthly; Withdrawals: Allowed - see Transaction Limitations section
Rate History
No change since Oct 15, 2026 · 3.55% APY
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 6 Month
$500
3.55%
▲ 0.62% above Hawaii avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.62% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 3.55% APY
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Business Jumbo Certificate
$0
3.50%
▲ 0.57% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.78%
Details
Effective date: January 22, 2026
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Jumbo Certificate - 6-Month (182 days)
$0
3.50%
▲ 0.57% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.78%
Details
Jumbo Certificate Rates; Effective date: January 22, 2026
Rate History
No change since Sep 16, 2026 · 3.50% APY · checked 3 times
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificates
$0
3.50%
▲ 0.57% above Hawaii avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.78%
Details
Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 4 times
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 6 Month
$0
3.50%
▲ 0.57% above Hawaii avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.93%▲ 0.57% above avgNationally 2.78%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 3.50% APY · checked 2 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
6 Month Jumbo Certificates
$0
3.45%
▲ 0.52% above Hawaii avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.52% above avgNationally 2.78%
Details
Jumbo
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6-Month Share Certificate (182 days)
$0
3.25%
▲ 0.32% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.78%
Details
Promotional Savings Rates; Effective date: August 4, 2026; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.25% APY
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Business Certificate - 6-Month (182 days)
$0
3.25%
▲ 0.32% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
6 Month Share Certificates
$0
3.25%
▲ 0.32% above Hawaii avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.32% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
6-Month CD
$1,000
3.20%
▲ 0.27% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.27% above avgNationally 2.78%
Details
Short Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 7 times
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6-month CD
$150,000
3.20%
▲ 0.27% above Hawaii avg
▼
RateN/A
Min Deposit$150,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.27% above avgNationally 2.78%
Details
In-Branch CD Promotional Rate; CD promotion requires personal or business checking account at opening
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.20% ▼ 0.05 pts · high 3.25% / low 3.20%
- Oct 12, 20263.20%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Exceptional CD Special
$20,000
3.15%
▲ 0.22% above Hawaii avg
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.22% above avgNationally 2.78%
Details
Limited time offer; $20,000 minimum deposit, of which $10,000 must be new money from another financial institution to obtain APY; balance cannot exceed $1,000,000; requires CPB Exceptional Checking Account; penalty for early withdrawal
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
- Oct 2, 20263.15%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Exceptional Preferred Certificate of Deposit (CD) Special - Exceptional CD Special
$20,000
3.15%
▲ 0.22% above Hawaii avg
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.22% above avgNationally 2.78%
Details
Limited time offer; minimum deposit of $20,000 of which $10,000 must be new money from another financial institution to obtain APY; CD cannot exceed $1,000,000; must have CPB Exceptional Checking Account; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.15% APY
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Exceptional CD Special 6 months
$20,000
3.15%
▲ 0.22% above Hawaii avg
▼
Rate3.15%
Min Deposit$20,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.22% above avgNationally 2.78%
Details
Limited Time Offer; $10,000 of the $20,000 must be new money from another financial institution to obtain APY; Requires CPB Exceptional Checking Account; CD may not exceed $1,000,000; Early withdrawal penalty applies
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00%
- Oct 2, 20263.15%▲ from 3.00%
- Sep 18, 20263.00%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6-month CD
$75,000
3.10%
▲ 0.17% above Hawaii avg
▼
RateN/A
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.17% above avgNationally 2.78%
Details
In-Branch CD Promotional Rate; CD promotion requires personal or business checking account at opening
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
- Oct 12, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Bankohana New Money Special CD
$0
3.05%
▲ 0.12% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.12% above avgNationally 2.78%
Details
Balance: $5,000.00 - $24,999.99; New Money Special; funded entirely from another financial institution
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Regular New Money Special CD
$0
3.05%
▲ 0.12% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.12% above avgNationally 2.78%
Details
Balance: $100,000.00 and over; New Money Special; funded entirely from another financial institution
Rate History
3 changes since Sep 18, 2026 · 2.60% → 3.05% ▲ 0.45 pts · high 3.05% / low 2.60%
- Oct 14, 20263.05%▲ from 2.60%
- Oct 7, 20262.60%▼ from 2.95%
- Sep 27, 20262.95%▲ from 2.60%
- Sep 18, 20262.60%first recorded
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6-month Online CD
$1,000
3.05%
▲ 0.12% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.12% above avgNationally 2.78%
Details
Online CD Promotional Rate; personal accounts only, not for IRA CDs; $250,000 maximum opening deposit
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 3 times
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6-month CD
$1,000
3.00%
▲ 0.07% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.78%
Details
In-Branch CD Promotional Rate; CD promotion requires personal or business checking account at opening
Rate History
1 change since Sep 14, 2026 · 3.05% → 3.00% ▼ 0.05 pts · high 3.05% / low 3.00%
- Oct 12, 20263.00%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 6 Month
$1,000
3.00%
▲ 0.07% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.78%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6-month Certificate
$1,000
3.00%
▲ 0.07% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.78%
Details
$1,000.00 minimum to open and earn APY; Early penalties may apply if funds are withdrawn before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
IRA 6-month Certificate
$1,000
3.00%
▲ 0.07% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▲ 0.07% above avgNationally 2.78%
Details
IRA: Traditional, Roth, Coverdell-Educational; $1,000.00 minimum to open and earn APY
Rate History
No change since Oct 15, 2026 · 3.00% APY
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Regular New Money Special CD
$0
2.95%
▲ 0.02% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▲ 0.02% above avgNationally 2.78%
Details
Balance: $5,000.00 - $24,999.99; New Money Special; funded entirely from another financial institution
Rate History
3 changes since Sep 18, 2026 · 2.60% → 2.95% ▲ 0.35 pts · high 2.95% / low 2.60%
- Oct 14, 20262.95%▲ from 2.60%
- Oct 7, 20262.60%▼ from 2.95%
- Sep 27, 20262.95%▲ from 2.60%
- Sep 18, 20262.60%first recorded
American Savings Bank, FSB
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
Certificate of Deposit (CD) - 6-Month Term
$0
2.85%
▼ 0.08% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▼ 0.08% below avgNationally 2.78%
Details
Minimum Balance from Another Financial Institution; Current Promotional Rates
Rate History
No change since Oct 14, 2026 · 2.85% APY
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
6 Month Share Certificate
$0
2.75%
▼ 0.18% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▼ 0.18% below avgNationally 2.78%
Details
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 7 times
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Bankohana Promo CD
$0
2.60%
▼ 0.33% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▼ 0.33% below avgNationally 2.78%
Details
Balance: $2,500.00 - $99,999.99; Bankohana checking account required; opened in-branch with $2,500 or more or online funded from existing Bank of Hawaii account
Rate History
No change since Oct 14, 2026 · 2.60% APY
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Regular Promo CD
$0
2.60%
▼ 0.33% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▼ 0.33% below avgNationally 2.78%
Details
Balance: $100,000.00 and over; opened in-branch with qualifying deposit of $100,000 or more
Rate History
1 change since Sep 18, 2026 · 2.95% → 2.60% ▼ 0.35 pts · high 2.95% / low 2.60%
- Sep 24, 20262.60%▼ from 2.95%
- Sep 18, 20262.95%first recorded
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
6 Month Regular Promo CD
$0
2.35%
▼ 0.58% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.93%▼ 0.58% below avgNationally 2.78%
Details
Balance: $2,500.00 - $99,999.99; opened in-branch with $2,500 or more or online funded from existing Bank of Hawaii account
Rate History
2 changes since Sep 18, 2026 · 2.95% → 2.35% ▼ 0.60 pts · high 2.95% / low 2.35%
- Oct 14, 20262.35%▼ from 2.60%
- Sep 24, 20262.60%▼ from 2.95%
- Sep 18, 20262.95%first recorded
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificates - 6 Months
$500
1.50%
▼ 1.43% below Hawaii avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▼ 1.43% below avgNationally 2.78%
Details
Rates effective as of 9/21/2026; IRA certificate rates are compounded and paid monthly
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 6 Months
$500
1.50%
▼ 1.43% below Hawaii avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▼ 1.43% below avgNationally 2.78%
Details
Simple interest paid monthly; Min. Balance+ is the minimum average monthly daily balance to avoid service fees
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 2 times
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6 Month Certificate
$0
1.26%
▼ 1.67% below Hawaii avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.93%▼ 1.67% below avgNationally 2.78%
Details
Minimum $1000; Dividend Paid Quarterly
Rate History
No change since Sep 25, 2026 · 1.26% APY · checked 5 times
Volcano 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.62% above Hawaii avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.62% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1 Year IRA Certificates
$0
4.20%
▲ 1.47% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.47% above avgNationally 2.99%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
1 Year Share Certificate
$0
4.20%
▲ 1.47% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.47% above avgNationally 2.99%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 4.20% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.37% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.37% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12 Month Certificate
$0
4.10%
▲ 1.37% above Hawaii avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.37% above avgNationally 2.99%
Details
Minimum $1000; Dividend Paid Quarterly
Rate History
No change since Sep 16, 2026 · 4.10% APY · checked 6 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.32% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.32% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 1.27% above Hawaii avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month Share Certificate Special
$0
4.00%
▲ 1.27% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.99%
Details
Special certificate (footnote ** referenced on page)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
1 Year Share Certificate
$0
4.00%
▲ 1.27% above Hawaii avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 1-Year Term
$1,000
4.00%
▲ 1.27% above Hawaii avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.27% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
12 Month Jumbo Certificates
$0
3.95%
▲ 1.22% above Hawaii avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.22% above avgNationally 2.99%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 4, 20263.95%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1 Year IRA Certificates (Traditional, Roth, Educational)
$500
3.85%
▲ 1.12% above Hawaii avg
▼
Rate3.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.12% above avgNationally 2.99%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA Certificate - 12 Months
$500
3.82%
▲ 1.09% above Hawaii avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.09% above avgNationally 2.99%
Details
Dividends are compounded and credited monthly; APY=Annual Percentage Yield; Fees could reduce earnings on the account; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 12 Months
$500
3.82%
▲ 1.09% above Hawaii avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 1.09% above avgNationally 2.99%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 12 Month
$1,000
3.75%
▲ 1.02% above Hawaii avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
12 Month IRA Certificates
$0
3.75%
▲ 1.02% above Hawaii avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 4, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
12 Month Share Certificates
$0
3.75%
▲ 1.02% above Hawaii avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 4, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 Year IRA Share Certificate
$500
3.75%
▲ 1.02% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
IRA certificate; Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 Year Roth Conversion IRA Share Certificate
$500
3.75%
▲ 1.02% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
Roth Conversion IRA certificate; Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 Year Roth IRA Share Certificate
$500
3.75%
▲ 1.02% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
Roth IRA certificate; Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1-Year Share Certificate
$1,000
3.75%
▲ 1.02% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 1.02% above avgNationally 2.99%
Details
Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
1 Year Share Certificate Account
$2,500
3.70%
▲ 0.97% above Hawaii avg
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.97% above avgNationally 2.99%
Details
Rates Effective: January 23, 2026; Dividend Period: Account's Term; Renewable: Not Automatically Renewable; Additional Deposits: Not Allowed; Dividends Credited: Monthly; Withdrawals: Allowed - see Transaction Limitations section
Rate History
No change since Oct 15, 2026 · 3.70% APY
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Certificates
$0
3.70%
▲ 0.97% above Hawaii avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 21, 2026 · 3.70% APY · checked 4 times
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 12 Month
$0
3.70%
▲ 0.97% above Hawaii avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.97% above avgNationally 2.99%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 12 Month
$10,000
3.60%
▲ 0.87% above Hawaii avg
▼
Rate3.55%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.87% above avgNationally 2.99%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.60% APY
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month IRA Share Certificate
$0
3.50%
▲ 0.77% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
IRA
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
12 Month Share Certificates
$1,000
3.50%
▲ 0.77% above Hawaii avg
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1 Year IRA Certificate
$1,000
3.50%
▲ 0.77% above Hawaii avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
Dividends Compounded/Credited: Quarterly
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 4, 20263.50%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
1-Year Share / IRA Certificate
$5,000
3.50%
▲ 0.77% above Hawaii avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
Requires a minimum deposit of $5,000 (new or existing funds)
Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12 Month Share Certificate Special
$0
3.50%
▲ 0.77% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
12 Months CD Special at 3.50% APY
Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 4, 20263.50%▲ from 3.00%
- Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12 Months CD Special
$0
3.50%
▲ 0.77% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
Special promotional CD rate
Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 4, 20263.50%▲ from 3.00%
- Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate 1-Year
$1,000
3.50%
▲ 0.77% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
Dividends compounded/credited quarterly
Rate History
1 change since Sep 12, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 8, 20263.50%▲ from 3.00%
- Sep 12, 20263.00%first recorded
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 1-Year
$5,000
3.50%
▲ 0.77% above Hawaii avg
▼
Rate3.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.77% above avgNationally 2.99%
Details
Dividends Compounded/Credited: Quarterly
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 2 times
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
12 Month Certificate
$500
3.45%
▲ 0.72% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.72% above avgNationally 2.99%
Details
Effective Sep 1, 2026
Rate History
No change since Sep 25, 2026 · 3.45% APY · checked 3 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 12 Month
$100,000
3.44%
▲ 0.71% above Hawaii avg
▼
Rate3.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.71% above avgNationally 2.99%
Details
Rate History
No change since Oct 5, 2026 · 3.44% APY · checked 2 times
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Bankohana New Money Special CD
$0
3.40%
▲ 0.67% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 0.67% above avgNationally 2.99%
Details
Balance: $5,000.00 - $24,999.99; New Money Special; funded entirely from another financial institution
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1 Year Business Jumbo Certificate
$0
3.35%
▲ 0.62% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.62% above avgNationally 2.99%
Details
Effective date: January 22, 2026
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 4 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Jumbo Certificate - 1-Year (365 days)
$0
3.35%
▲ 0.62% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.62% above avgNationally 2.99%
Details
Jumbo Certificate Rates; Effective date: January 22, 2026
Rate History
No change since Oct 12, 2026 · 3.35% APY · checked 2 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Roth 12-Month IRA Certificate
$0
3.35%
▲ 0.62% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.62% above avgNationally 2.99%
Details
IRA/Roth IRA/ Coverdell
Rate History
No change since Oct 4, 2026 · 3.35% APY · checked 4 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Share Certificates - 12-Month Certificate
$0
3.35%
▲ 0.62% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.62% above avgNationally 2.99%
Details
Rates effective 09/3/26
Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 5 times
Bank of Hawaii
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
12 Month Regular New Money Special CD
$0
3.30%
▲ 0.57% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 0.57% above avgNationally 2.99%
Details
Balance: $5,000.00 - $24,999.99; New Money Special; funded entirely from another financial institution
Rate History
3 changes since Sep 18, 2026 · 2.90% → 3.30% ▲ 0.40 pts · high 3.30% / low 2.90%
- Oct 14, 20263.30%▲ from 2.90%
- Oct 7, 20262.90%▼ from 3.30%
- Sep 27, 20263.30%▲ from 2.90%
- Sep 18, 20262.90%first recorded
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
12-Month CD
$1,000
3.30%
▲ 0.57% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 0.57% above avgNationally 2.99%
Details
Short Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 7 times
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
12-Month eCD
$1,000
3.30%
▲ 0.57% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 0.57% above avgNationally 2.99%
Details
Open Online; Open Online Account required; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 7 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 12 Month
$500
3.29%
▲ 0.56% above Hawaii avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.56% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 3.29% APY
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 1-year
$1,000
3.25%
▲ 0.52% above Hawaii avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.52% above avgNationally 2.99%
Details
Dividend Frequency: Monthly
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 3 times
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 1 Year
$1,000
3.25%
▲ 0.52% above Hawaii avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.52% above avgNationally 2.99%
Details
Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
12 Month Share Certificate
$0
3.25%
▲ 0.52% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.52% above avgNationally 2.99%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 7 times
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
12 Month Share Certificate
$500
3.25%
▲ 0.52% above Hawaii avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.73%▲ 0.52% above avgNationally 2.99%
Details
Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1-Year Add-On Share Certificate (365 days)
$0
3.20%
▲ 0.47% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.73%▲ 0.47% above avgNationally 2.99%
Details
Promotional Savings Rates; Effective date: August 4, 2026; Penalty may be imposed for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.20% APY
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
1 Year IRA Certificate
$1,000
3.10%
▲ 0.37% above Hawaii avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.73%▲ 0.37% above avgNationally 2.99%
Details
1 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 2.80% → 3.10% ▲ 0.30 pts · high 3.10% / low 2.80%
- Oct 14, 20263.10%▲ from 2.80%
- Oct 7, 20262.80%first recorded
Volcano 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
18 Month Jumbo Certificates
$0
4.20%
▲ 1.40% above Hawaii avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 1.40% above avgNationally 2.88%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.35% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▲ 1.35% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.30% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▲ 1.30% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
18 Month IRA Certificates
$0
4.00%
▲ 1.20% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 1.20% above avgNationally 2.88%
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
18 Month Share Certificates
$0
4.00%
▲ 1.20% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 1.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Certificates
$0
4.00%
▲ 1.20% above Hawaii avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.80%▲ 1.20% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 13, 20264.00%▲ from 3.25%
- Sep 21, 20263.25%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 18 Months
$0
4.00%
▲ 1.20% above Hawaii avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.80%▲ 1.20% above avgNationally 2.88%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 18 Months
$500
3.82%
▲ 1.02% above Hawaii avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▲ 1.02% above avgNationally 2.88%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month IRA Certificate
$0
3.81%
▲ 1.01% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 1.01% above avgNationally 2.88%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
18 Month Share Certificate
$0
3.81%
▲ 1.01% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 1.01% above avgNationally 2.88%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 18 Month
$500
3.75%
▲ 0.95% above Hawaii avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.95% above avgNationally 2.88%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.90% above Hawaii avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▲ 0.90% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
18 Month Share Certificate Account
$2,500
3.40%
▲ 0.60% above Hawaii avg
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.60% above avgNationally 2.88%
Details
Rates Effective: January 23, 2026; Dividend Period: Account's Term; Renewable: Not Automatically Renewable; Additional Deposits: Not Allowed; Dividends Credited: Monthly; Withdrawals: Allowed - see Transaction Limitations section
Rate History
No change since Oct 15, 2026 · 3.40% APY
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
18 Month Share Certificate
$500
3.29%
▲ 0.49% above Hawaii avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.80%▲ 0.49% above avgNationally 2.88%
Details
Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A
Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
18 Month Share Certificate
$0
3.25%
▲ 0.45% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.45% above avgNationally 2.88%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 7 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 18 Month
$10,000
3.09%
▲ 0.29% above Hawaii avg
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.80%▲ 0.29% above avgNationally 2.88%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.09% APY
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
18 Month Share Certificate
$0
3.05%
▲ 0.25% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.25% above avgNationally 2.88%
Details
Published APY range: 3.05 to 3.20%. Share Certificate or IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.05% APY · checked 3 times
Maui Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate SPECIAL
$0
3.00%
▲ 0.20% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.20% above avgNationally 2.88%
Details
Maximum balance: $250,000.00; Dividends must be transferred to share account; APY is accurate as of 01/01/26; Fees could reduce earnings on your certificate
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18-month Certificate
$1,000
3.00%
▲ 0.20% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.20% above avgNationally 2.88%
Details
$1,000.00 minimum to open and earn APY; Early penalties may apply if funds are withdrawn before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Roth 18-Month IRA Certificate
$0
3.00%
▲ 0.20% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.20% above avgNationally 2.88%
Details
IRA/Roth IRA/ Coverdell
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 4 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Share Certificates - 18-Month Certificate
$0
3.00%
▲ 0.20% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▲ 0.20% above avgNationally 2.88%
Details
Rates effective 09/3/26
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
18 Month Share Certificate
$0
3.00%
▲ 0.20% above Hawaii avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.80%▲ 0.20% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 18 Month
$100,000
2.93%
▲ 0.13% above Hawaii avg
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.80%▲ 0.13% above avgNationally 2.88%
Details
Rate History
No change since Oct 5, 2026 · 2.93% APY · checked 2 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 18 Month
$500
2.78%
▼ 0.02% below Hawaii avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.80%▼ 0.02% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.78% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.05% below Hawaii avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▼ 0.05% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
18 Month Certificate
$0
2.02%
▼ 0.78% below Hawaii avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 0.78% below avgNationally 2.88%
Details
Minimum $1000; Dividend Paid Quarterly
Rate History
No change since Sep 25, 2026 · 2.02% APY · checked 5 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18-Month Jump Start Add-On Share Certificate
$0
1.60%
▼ 1.20% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.20% below avgNationally 2.88%
Details
Add-On
Rate History
No change since Oct 8, 2026 · 1.60% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18-Month Income Share Certificate
$0
1.50%
▼ 1.30% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.30% below avgNationally 2.88%
Details
Income
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18-Month Share Certificate
$0
1.50%
▼ 1.30% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.30% below avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Business Certificate - 18-Month (547 days)
$0
1.50%
▼ 1.30% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.30% below avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Business Certificate - 18-Month Income (547 days)
$0
1.50%
▼ 1.30% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.30% below avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 1.50% APY
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Certificate
$500
1.00%
▼ 1.80% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.80% below avgNationally 2.88%
Details
Effective Sep 1, 2026
Rate History
No change since Sep 25, 2026 · 1.00% APY · checked 4 times
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
18 Month Certificate ($10,000 minimum)
$10,000
1.00%
▼ 1.80% below Hawaii avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.80%▼ 1.80% below avgNationally 2.88%
Details
Effective Oct 1, 2022; members 55+ earn an extra 0.05%; jumbo rates by phone
Rate History
No change since Oct 15, 2026 · 1.00% APY
First Hawaiian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
18-month Online CD
$1,000
0.12%
▼ 2.68% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▼ 2.68% below avgNationally 2.88%
Details
Online CD; personal accounts only; $250,000 maximum opening deposit
Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 7 times
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
18 Month Smart Saver Certificates of Deposit
$1,000
0.08%
▼ 2.72% below Hawaii avg
▼
Rate0.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▼ 2.72% below avgNationally 2.88%
Details
Minimum End-of-Term Balance: $5,000; Requires automatic deposits on the 22nd of each month from an eligible Central Pacific Bank account
Rate History
No change since Sep 24, 2026 · 0.08% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
18 Month Certificate of Deposit
$500
0.02%
▼ 2.78% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.80%▼ 2.78% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
Volcano 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month Jumbo Certificates
$0
4.20%
▲ 1.70% above Hawaii avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.70% above avgNationally 2.89%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
IRA Certificate - 2 Years
$500
4.07%
▲ 1.57% above Hawaii avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 1.57% above avgNationally 2.89%
Details
Dividends are compounded and credited monthly; APY=Annual Percentage Yield; Fees could reduce earnings on the account; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 2 Years
$500
4.07%
▲ 1.57% above Hawaii avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 1.57% above avgNationally 2.89%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 24 Month
$500
4.00%
▲ 1.50% above Hawaii avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.50% above avgNationally 2.89%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month IRA Certificates
$0
4.00%
▲ 1.50% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.50% above avgNationally 2.89%
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month Share Certificates
$0
4.00%
▲ 1.50% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.50% above avgNationally 2.89%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
24 Month Certificates
$0
4.00%
▲ 1.50% above Hawaii avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.50%▲ 1.50% above avgNationally 2.89%
Details
Rate History
1 change since Sep 21, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
- Oct 13, 20264.00%▲ from 3.25%
- Sep 21, 20263.25%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 24 Month
$0
4.00%
▲ 1.50% above Hawaii avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.50%▲ 1.50% above avgNationally 2.89%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2 Year IRA Certificates
$0
3.81%
▲ 1.31% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.31% above avgNationally 2.89%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
2 Year Share Certificate
$0
3.81%
▲ 1.31% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.31% above avgNationally 2.89%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.82% APY · checked 2 times
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
24-Month CD
$1,000
3.75%
▲ 1.25% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 1.25% above avgNationally 2.89%
Details
Long Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 3, 20263.75%▲ from 3.40%
- Sep 24, 20263.40%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
24 Month IRA Share Certificate
$0
3.75%
▲ 1.25% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.25% above avgNationally 2.89%
Details
IRA
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 1.20% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 1.20% above avgNationally 2.89%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 1.16% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 1.16% above avgNationally 2.89%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 1.10% above Hawaii avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 1.10% above avgNationally 2.89%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
2 Year Share Certificate Account
$2,500
3.60%
▲ 1.10% above Hawaii avg
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 1.10% above avgNationally 2.89%
Details
Rates Effective: January 23, 2026; Dividend Period: Account's Term; Renewable: Not Automatically Renewable; Additional Deposits: Not Allowed; Dividends Credited: Monthly; Withdrawals: Allowed - see Transaction Limitations section
Rate History
No change since Oct 15, 2026 · 3.60% APY
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2 Year Share Certificate
$0
3.50%
▲ 1.00% above Hawaii avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.50%▲ 1.00% above avgNationally 2.89%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 4, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
24 Month Share Certificate
$500
3.34%
▲ 0.84% above Hawaii avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.50%▲ 0.84% above avgNationally 2.89%
Details
Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A
Rate History
No change since Sep 14, 2026 · 3.34% APY · checked 7 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
2 Year IRA Certificate
$1,000
3.30%
▲ 0.80% above Hawaii avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 0.80% above avgNationally 2.89%
Details
2 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 2 Year
$1,000
3.25%
▲ 0.75% above Hawaii avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.75% above avgNationally 2.89%
Details
Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
24 Month Share Certificate
$0
3.25%
▲ 0.75% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.75% above avgNationally 2.89%
Details
Rate History
No change since Sep 12, 2026 · 3.25% APY · checked 7 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2 Year Share Certificates
$1,000
3.25%
▲ 0.75% above Hawaii avg
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.75% above avgNationally 2.89%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
2 Year Share Certificate
$1,000
3.25%
▲ 0.75% above Hawaii avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.50%▲ 0.75% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
24 Month Share Certificate
$0
3.10%
▲ 0.60% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.60% above avgNationally 2.89%
Details
Published APY range: 3.10% to 3.25%. Share Certificate or IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 3 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2 Year IRA Certificates (Traditional, Roth, Educational)
$500
3.10%
▲ 0.60% above Hawaii avg
▼
Rate3.06%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.60% above avgNationally 2.89%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
24 Month Impact Certificates
$0
3.03%
▲ 0.53% above Hawaii avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.53% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 5 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Jumbo IRA Certificate
$100,000
3.00%
▲ 0.50% above Hawaii avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 4 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
24 Month Super Jumbo IRA Certificate
$200,000
3.00%
▲ 0.50% above Hawaii avg
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate 24 months
$500
3.00%
▲ 0.50% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24-month Certificate
$1,000
3.00%
▲ 0.50% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
$1,000.00 minimum to open and earn APY; Early penalties may apply if funds are withdrawn before maturity
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 3 times
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 2-year
$1,000
3.00%
▲ 0.50% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
Dividend Frequency: Monthly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Roth 24-Month IRA Certificate
$0
3.00%
▲ 0.50% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
IRA/Roth IRA/ Coverdell
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 4 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Share Certificates - 24-Month Certificate
$0
3.00%
▲ 0.50% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.50% above avgNationally 2.89%
Details
Rates effective 09/3/26
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 24 Month
$10,000
2.83%
▲ 0.33% above Hawaii avg
▼
Rate2.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.50%▲ 0.33% above avgNationally 2.89%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 2.83% APY
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 24 Month
$100,000
2.68%
▲ 0.18% above Hawaii avg
▼
Rate2.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.50%▲ 0.18% above avgNationally 2.89%
Details
Rate History
No change since Oct 5, 2026 · 2.68% APY · checked 2 times
Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
24 Month Certificate
$0
2.52%
▲ 0.02% above Hawaii avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▲ 0.02% above avgNationally 2.89%
Details
Minimum $1000; Dividend Paid Quarterly
Rate History
No change since Sep 25, 2026 · 2.52% APY · checked 5 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 24 Month
$500
2.52%
▲ 0.02% above Hawaii avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.50%▲ 0.02% above avgNationally 2.89%
Details
Rate History
No change since Oct 13, 2026 · 2.52% APY
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificates - 24 Months
$500
2.50%
At Hawaii avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%At the averageNationally 2.89%
Details
Rates effective as of 9/21/2026; IRA certificate rates are compounded and paid monthly
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 24 Months
$500
2.50%
At Hawaii avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%At the averageNationally 2.89%
Details
Simple interest paid monthly; Min. Balance+ is the minimum average monthly daily balance to avoid service fees
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 2 times
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
24 Month Certificate
$0
2.00%
▼ 0.50% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 0.50% below avgNationally 2.89%
Details
Minimum balance $1,000; no maximum balance
Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 5 times
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
2 Year Share Certificate
$500
2.00%
▼ 0.50% below Hawaii avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 0.50% below avgNationally 2.89%
Details
Dividend Rate/APY; Minimum Balance to Earn APY: $500.00; Dividends compounded/credited quarterly
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 6 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
2 Year Share Certificate
$1,000
1.75%
▼ 0.75% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 0.75% below avgNationally 2.89%
Details
Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2-Year Share Certificate
$0
1.50%
▼ 1.00% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.00% below avgNationally 2.89%
Details
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Business Certificate - 2-Year (730 days)
$0
1.50%
▼ 1.00% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.00% below avgNationally 2.89%
Details
Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate 2-Year
$1,000
1.50%
▼ 1.00% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.00% below avgNationally 2.89%
Details
Dividends compounded/credited quarterly
Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 2-Year
$2,500
1.50%
▼ 1.00% below Hawaii avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.00% below avgNationally 2.89%
Details
Dividends Compounded/Credited: Quarterly
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1 - 1/2 Year Share Certificate
$1,000
1.50%
▼ 1.00% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.00% below avgNationally 2.89%
Details
Rates effective as of 1/2/2025
Rate History
No change since Oct 8, 2026 · 1.50% APY · checked 3 times
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2 Year Certificate ($6,000 minimum)
$6,000
1.15%
▼ 1.35% below Hawaii avg
▼
RateN/A
Min Deposit$6,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.35% below avgNationally 2.89%
Details
Effective Oct 1, 2022; members 55+ earn an extra 0.05%; jumbo rates by phone
Rate History
No change since Oct 15, 2026 · 1.15% APY
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2 Year Certificate
$500
1.10%
▼ 1.40% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.40% below avgNationally 2.89%
Details
Effective Sep 1, 2026
Rate History
No change since Sep 25, 2026 · 1.10% APY · checked 4 times
Ewa Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
24 Month Share Certificate
$1,000
0.90%
▼ 1.60% below Hawaii avg
▼
Rate0.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.50%▼ 1.60% below avgNationally 2.89%
Details
Minimum deposit $1,000.00; Dividends compounded & credited: Quarterly
Rate History
No change since Sep 25, 2026 · 0.90% APY · checked 4 times
Volcano 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
36 Month Certificates
$0
4.30%
▲ 1.73% above Hawaii avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.57%▲ 1.73% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
- Oct 13, 20264.30%▲ from 2.75%
- Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 36 Months
$0
4.30%
▲ 1.73% above Hawaii avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.57%▲ 1.73% above avgNationally 2.81%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month Jumbo Certificates
$0
4.20%
▲ 1.63% above Hawaii avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 1.63% above avgNationally 2.81%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.58% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▲ 1.58% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.53% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▲ 1.53% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 3 Years
$500
4.07%
▲ 1.50% above Hawaii avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▲ 1.50% above avgNationally 2.81%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
36-Month CD
$1,000
4.00%
▲ 1.43% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▲ 1.43% above avgNationally 2.81%
Details
Long Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 3, 20264.00%▲ from 3.50%
- Sep 24, 20263.50%first recorded
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 36 Month
$500
4.00%
▲ 1.43% above Hawaii avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 1.43% above avgNationally 2.81%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month IRA Certificates
$0
4.00%
▲ 1.43% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 1.43% above avgNationally 2.81%
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month Share Certificates
$0
4.00%
▲ 1.43% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 1.43% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Year IRA Certificates
$0
3.56%
▲ 0.99% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.99% above avgNationally 2.81%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
3 Year Share Certificate
$0
3.56%
▲ 0.99% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.99% above avgNationally 2.81%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Hawaii County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Year Share Certificate Account
$2,500
3.50%
▲ 0.93% above Hawaii avg
▼
Rate3.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.93% above avgNationally 2.81%
Details
Rates Effective: January 23, 2026; Dividend Period: Account's Term; Renewable: Not Automatically Renewable; Additional Deposits: Not Allowed; Dividends Credited: Monthly; Withdrawals: Allowed - see Transaction Limitations section
Rate History
No change since Oct 15, 2026 · 3.50% APY
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
36 Month Share Certificate
$0
3.50%
▲ 0.93% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.93% above avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
HAWAIIAN ELECTRIC EMPLOYEES
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
3 Year Share Certificate
$1,000
3.50%
▲ 0.93% above Hawaii avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▲ 0.93% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
3 Year IRA Certificate
$1,000
3.30%
▲ 0.73% above Hawaii avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▲ 0.73% above avgNationally 2.81%
Details
3 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36-month Certificate
$1,000
3.25%
▲ 0.68% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.68% above avgNationally 2.81%
Details
$1,000.00 minimum to open and earn APY; Early penalties may apply if funds are withdrawn before maturity
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
36 Month Share Certificate
$0
3.15%
▲ 0.58% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.58% above avgNationally 2.81%
Details
Published APY range: 3.15% to 3.30%. Share Certificate or IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.15% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
36 Month Impact Certificates
$0
3.03%
▲ 0.46% above Hawaii avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.46% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 5 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Jumbo IRA Certificate
$100,000
3.00%
▲ 0.43% above Hawaii avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 4 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
36 Month Super Jumbo IRA Certificate
$200,000
3.00%
▲ 0.43% above Hawaii avg
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate 36 months
$500
3.00%
▲ 0.43% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 3-year
$1,000
3.00%
▲ 0.43% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Dividend Frequency: Monthly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Pearl Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
36 Month Certificate
$0
3.00%
▲ 0.43% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Minimum balance $1,000; no maximum balance
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 3 Year
$1,000
3.00%
▲ 0.43% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3 Year Share Certificate
$0
3.00%
▲ 0.43% above Hawaii avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.57%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 36 Month
$10,000
2.93%
▲ 0.36% above Hawaii avg
▼
Rate2.90%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.57%▲ 0.36% above avgNationally 2.81%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 2.93% APY
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 36 Month
$100,000
2.78%
▲ 0.21% above Hawaii avg
▼
Rate2.75%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.57%▲ 0.21% above avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 2.78% APY · checked 2 times
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
IRA Certificates - 36 Months
$500
2.75%
▲ 0.18% above Hawaii avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.18% above avgNationally 2.81%
Details
Rates effective as of 9/21/2026; IRA certificate rates are compounded and paid monthly
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 36 Months
$500
2.75%
▲ 0.18% above Hawaii avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▲ 0.18% above avgNationally 2.81%
Details
Simple interest paid monthly; Min. Balance+ is the minimum average monthly daily balance to avoid service fees
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 36 Month
$500
2.68%
▲ 0.11% above Hawaii avg
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.57%▲ 0.11% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.68% APY
Molokai Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.78%
3 Year Share Certificate
$500
2.50%
▼ 0.07% below Hawaii avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 0.07% below avgNationally 2.81%
Details
Dividend Rate/APY; Minimum Balance to Earn APY: $500.00; Dividends compounded/credited quarterly
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 6 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Roth 36-Month IRA Certificate
$0
2.00%
▼ 0.57% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 0.57% below avgNationally 2.81%
Details
IRA/Roth IRA/ Coverdell
Rate History
No change since Oct 4, 2026 · 2.00% APY · checked 4 times
Hawaii Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Share Certificates - 36-Month Certificate
$0
2.00%
▼ 0.57% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 0.57% below avgNationally 2.81%
Details
Rates effective 09/3/26
Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 5 times
Gather Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
3 Year Share Certificate
$1,000
2.00%
▼ 0.57% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 0.57% below avgNationally 2.81%
Details
Rates effective as of 1/2/2025
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year IRA Certificates (Traditional, Roth, Educational)
$500
1.65%
▼ 0.92% below Hawaii avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 0.92% below avgNationally 2.81%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Sep 14, 2026 · 1.65% APY · checked 7 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
3 Year Share Certificates
$1,000
1.50%
▼ 1.07% below Hawaii avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.07% below avgNationally 2.81%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate 3-Year
$1,000
1.50%
▼ 1.07% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.07% below avgNationally 2.81%
Details
Dividends compounded/credited quarterly
Rate History
No change since Sep 12, 2026 · 1.50% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 3-Year
$2,500
1.50%
▼ 1.07% below Hawaii avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.07% below avgNationally 2.81%
Details
Dividends Compounded/Credited: Quarterly
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
3-Year Share Certificate
$0
1.25%
▼ 1.32% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.32% below avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 1.25% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Business Certificate - 3-Year (1,095 days)
$0
1.25%
▼ 1.32% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.32% below avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 1.25% APY
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Share Certificate - 3-Year
$500
1.25%
▼ 1.32% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.32% below avgNationally 2.81%
Details
Minimum Opening Deposit: $500.00; Minimum Average Daily Balance to Earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 1.25% APY
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Roth IRA Share Certificate - 3-Year
$500
1.25%
▼ 1.32% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.32% below avgNationally 2.81%
Details
Term: 3-Year Roth (1,095 days); Minimum Opening Deposit: $500.00; Minimum Average Daily Balance to Earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 1.25% APY
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Year Certificate ($6,000 minimum)
$6,000
1.25%
▼ 1.32% below Hawaii avg
▼
RateN/A
Min Deposit$6,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.32% below avgNationally 2.81%
Details
Effective Oct 1, 2022; members 55+ earn an extra 0.05%; jumbo rates by phone
Rate History
No change since Oct 15, 2026 · 1.25% APY
Honolulu Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Year Certificate
$500
1.20%
▼ 1.37% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.37% below avgNationally 2.81%
Details
Effective Sep 1, 2026
Rate History
No change since Sep 25, 2026 · 1.20% APY · checked 4 times
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Share Certificate
$0
0.60%
▼ 1.97% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 1.97% below avgNationally 2.81%
Details
Level: Fire Level (primary member is an active firefighter)
Rate History
No change since Oct 12, 2026 · 0.60% APY · checked 2 times
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Share Certificate
$0
0.50%
▼ 2.07% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 2.07% below avgNationally 2.81%
Details
Level: Lifeline Level (membership uninterrupted 10 years or more, or $15,000 in combined share and loan balances excluding Visa Platinum)
Rate History
No change since Oct 12, 2026 · 0.50% APY · checked 2 times
Honolulu Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Month Share Certificate
$0
0.40%
▼ 2.17% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.57%▼ 2.17% below avgNationally 2.81%
Details
Level: Standard Level (all members, unless qualified for other levels)
Rate History
No change since Oct 12, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.17% below Hawaii avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▼ 2.17% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.17% below Hawaii avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.57%▼ 2.17% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
Volcano 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Certificates
$0
4.30%
▲ 1.64% above Hawaii avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.66%▲ 1.64% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 2.75% → 4.30% ▲ 1.55 pts · high 4.30% / low 2.75%
- Oct 13, 20264.30%▲ from 2.75%
- Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 48 Months
$0
4.30%
▲ 1.64% above Hawaii avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.66%▲ 1.64% above avgNationally 2.80%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 4.30% APY · checked 2 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month Jumbo Certificates
$0
4.20%
▲ 1.54% above Hawaii avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 1.54% above avgNationally 2.80%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 4 Years
$500
4.07%
▲ 1.41% above Hawaii avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▲ 1.41% above avgNationally 2.80%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
Finance Factors
Institution Rating:
A5.0 ★Texas Ratio: 12.80%
48-Month CD
$1,000
4.00%
▲ 1.34% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▲ 1.34% above avgNationally 2.80%
Details
Long Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors
Rate History
1 change since Sep 27, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 3, 20264.00%▲ from 3.60%
- Sep 27, 20263.60%first recorded
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 48 Month
$500
4.00%
▲ 1.34% above Hawaii avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 1.34% above avgNationally 2.80%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month IRA Certificates
$0
4.00%
▲ 1.34% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 1.34% above avgNationally 2.80%
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month Share Certificates
$0
4.00%
▲ 1.34% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 1.34% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
48 Month Share Certificate
$0
3.75%
▲ 1.09% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 1.09% above avgNationally 2.80%
Details
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
4 Year IRA Certificates
$0
3.56%
▲ 0.90% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.90% above avgNationally 2.80%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
4 Year Share Certificate
$0
3.56%
▲ 0.90% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.90% above avgNationally 2.80%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30%
▲ 0.64% above Hawaii avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▲ 0.64% above avgNationally 2.80%
Details
4 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48-month Certificate
$1,000
3.25%
▲ 0.59% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.59% above avgNationally 2.80%
Details
$1,000.00 minimum to open and earn APY; Early penalties may apply if funds are withdrawn before maturity
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
48 Month Share Certificate
$0
3.20%
▲ 0.54% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.54% above avgNationally 2.80%
Details
Published APY range: 3.20% to 3.35%. Share Certificate or IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.20% APY · checked 3 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 48 Month
$10,000
3.09%
▲ 0.43% above Hawaii avg
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.66%▲ 0.43% above avgNationally 2.80%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.09% APY
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
48 Month Impact Certificates
$0
3.03%
▲ 0.37% above Hawaii avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.37% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 5 times
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 4-year
$1,000
3.00%
▲ 0.34% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.34% above avgNationally 2.80%
Details
Dividend Frequency: Monthly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 4 Year
$1,000
3.00%
▲ 0.34% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.34% above avgNationally 2.80%
Details
Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 48 Month
$100,000
2.93%
▲ 0.27% above Hawaii avg
▼
Rate2.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.66%▲ 0.27% above avgNationally 2.80%
Details
Rate History
No change since Oct 5, 2026 · 2.93% APY · checked 2 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 48 Month
$500
2.83%
▲ 0.17% above Hawaii avg
▼
Rate2.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.66%▲ 0.17% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 2.83% APY
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 48 Months
$500
2.75%
▲ 0.09% above Hawaii avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▲ 0.09% above avgNationally 2.80%
Details
Simple interest paid monthly; Min. Balance+ is the minimum average monthly daily balance to avoid service fees
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
4 Year Share Certificates
$1,000
1.90%
▼ 0.76% below Hawaii avg
▼
Rate1.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▼ 0.76% below avgNationally 2.80%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 8 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
4 Year IRA Certificates (Traditional, Roth, Educational)
$500
1.75%
▼ 0.91% below Hawaii avg
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▼ 0.91% below avgNationally 2.80%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate 4-Year
$1,000
1.00%
▼ 1.66% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▼ 1.66% below avgNationally 2.80%
Details
Dividends compounded/credited quarterly
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 4-Year
$2,500
1.00%
▼ 1.66% below Hawaii avg
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.66%▼ 1.66% below avgNationally 2.80%
Details
Dividends Compounded/Credited: Quarterly
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.16% below Hawaii avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▼ 2.16% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.16% below Hawaii avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▼ 2.16% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.41% below Hawaii avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▼ 2.41% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
4 Year Certificate of Deposit
$500
0.15%
▼ 2.51% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▼ 2.51% below avgNationally 2.80%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Central Pacific Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
4 year IRA
$100
0.08%
▼ 2.58% below Hawaii avg
▼
Rate0.08%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.66%▼ 2.58% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 0.08% APY · checked 5 times
Volcano 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
60 Month Certificates
$0
4.50%
▲ 1.60% above Hawaii avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.90%▲ 1.60% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 2.75% → 4.50% ▲ 1.75 pts · high 4.50% / low 2.75%
- Oct 13, 20264.50%▲ from 2.75%
- Sep 21, 20262.75%first recorded
CU Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificates & IRA Certificates - 60 Months
$0
4.50%
▲ 1.60% above Hawaii avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.90%▲ 1.60% above avgNationally 2.92%
Details
Dividends credited monthly; Additional deposits not permitted; Early withdrawal penalties apply; Maximum $1,000,000.00 aggregate per Taxpayer Identification Number
Rate History
No change since Oct 5, 2026 · 4.50% APY · checked 2 times
Big Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Term Share Certificate - 5 Years
$500
4.33%
▲ 1.43% above Hawaii avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.90%▲ 1.43% above avgNationally 2.92%
Details
Dividends are compounded and credited monthly; Minimum balance to open certificate is $500; Certificate early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month Jumbo Certificates
$0
4.20%
▲ 1.30% above Hawaii avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 1.30% above avgNationally 2.92%
Details
Jumbo
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.20% ▲ 0.50 pts · high 4.20% / low 3.70%
- Oct 4, 20264.20%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Hawaii Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificate - 60 Month
$500
4.00%
▲ 1.10% above Hawaii avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 1.10% above avgNationally 2.92%
Details
IRA/ESA Certificate Minimum Balance: $500; Effective Date: September 22, 2026
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month IRA Certificates
$0
4.00%
▲ 1.10% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 1.10% above avgNationally 2.92%
Details
IRA
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month Share Certificates
$0
4.00%
▲ 1.10% above Hawaii avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 1.10% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Signia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.07%
60 Month Share Certificate
$0
4.00%
▲ 1.10% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 1.10% above avgNationally 2.92%
Details
Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.00% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.90%▲ 1.00% above avgNationally 2.92%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.95% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.90%▲ 0.95% above avgNationally 2.92%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
5 Year IRA Certificates
$0
3.56%
▲ 0.66% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Kauai Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
5 Year Share Certificate
$0
3.56%
▲ 0.66% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.66% above avgNationally 2.92%
Details
Balance: $1,000.00
Rate History
No change since Oct 12, 2026 · 3.56% APY · checked 2 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
5 Year IRA Certificate
$1,000
3.40%
▲ 0.50% above Hawaii avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.90%▲ 0.50% above avgNationally 2.92%
Details
5 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
- Oct 14, 20263.40%▲ from 3.10%
- Oct 7, 20263.10%first recorded
Hawaii Schools Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.39%
60 Month Share Certificate
$0
3.25%
▲ 0.35% above Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.35% above avgNationally 2.92%
Details
Published APY range: 3.25% to 3.40%. Share Certificate or IRA Certificate
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
Aloha Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60-month Certificate
$1,000
3.25%
▲ 0.35% above Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.35% above avgNationally 2.92%
Details
$1,000.00 minimum to open and earn APY; Early penalties may apply if funds are withdrawn before maturity
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 3 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Loyalty Share Certificates - 60 Month
$10,000
3.19%
▲ 0.29% above Hawaii avg
▼
Rate3.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.90%▲ 0.29% above avgNationally 2.92%
Details
Available only to members of at least fifteen (15) years of membership
Rate History
No change since Oct 13, 2026 · 3.19% APY
Kauai Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.64%
60 Month Impact Certificates
$0
3.03%
▲ 0.13% above Hawaii avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.13% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.03% APY · checked 5 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Jumbo Share Certificates - 60 Month
$100,000
3.03%
▲ 0.13% above Hawaii avg
▼
Rate3.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.90%▲ 0.13% above avgNationally 2.92%
Details
Rate History
No change since Oct 5, 2026 · 3.03% APY · checked 2 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Jumbo IRA Certificate
$100,000
3.00%
▲ 0.10% above Hawaii avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.10% above avgNationally 2.92%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 4 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Super Jumbo IRA Certificate
$200,000
3.00%
▲ 0.10% above Hawaii avg
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.10% above avgNationally 2.92%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 4, 2026 · 3.00% APY · checked 3 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
IRA Certificate 60 months
$500
3.00%
▲ 0.10% above Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.10% above avgNationally 2.92%
Details
Rates effective as of 6/1/2025
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 2 times
Maui County Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Share Certificates - 5-year
$1,000
3.00%
▲ 0.10% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.10% above avgNationally 2.92%
Details
Dividend Frequency: Monthly
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 3 times
Maui Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 5 Year
$1,000
3.00%
▲ 0.10% above Hawaii avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▲ 0.10% above avgNationally 2.92%
Details
Early withdrawal penalty provision applies
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
Kahului Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
5 Year Share Certificate
$0
3.00%
▲ 0.10% above Hawaii avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.90%▲ 0.10% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
Share Certificates - 60 Month
$500
2.93%
▲ 0.03% above Hawaii avg
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.90%▲ 0.03% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 2.93% APY
Hawaiian Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Share Certificates - 60 Months
$500
2.75%
▼ 0.15% below Hawaii avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 0.15% below avgNationally 2.92%
Details
Simple interest paid monthly; Min. Balance+ is the minimum average monthly daily balance to avoid service fees
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Jumbo Principal Plus Certificate
$100,000
2.75%
▼ 0.15% below Hawaii avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 0.15% below avgNationally 2.92%
Details
Rates effective as of 6/1/2025; early withdrawal penalty may be imposed before maturity
Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 3 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Principal Plus Certificate
$500
2.75%
▼ 0.15% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 0.15% below avgNationally 2.92%
Details
APYs effective as of 6/1/2025; early withdrawal penalty may be imposed if withdrawal occurs before maturity
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 5 times
Lokahi Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
60 Month Super Jumbo Principal Plus Certificate
$200,000
2.75%
▼ 0.15% below Hawaii avg
▼
RateN/A
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 0.15% below avgNationally 2.92%
Details
APYs effective as of 6/1/2025; early withdrawal penalty may apply
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
60 Month Regular Certificate
$0
2.50%
▼ 0.40% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.90%▼ 0.40% below avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY
University of Hawaii Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
IRA Certificates - 60 months (IRA)
$0
2.50%
▼ 0.40% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Hawaii Average2.90%▼ 0.40% below avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
5 Year IRA Certificates (Traditional, Roth, Educational)
$500
2.25%
▼ 0.65% below Hawaii avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 0.65% below avgNationally 2.92%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Ko`olau Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
5 Year Share Certificates
$1,000
2.10%
▼ 0.80% below Hawaii avg
▼
Rate2.08%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 0.80% below avgNationally 2.92%
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 8 times
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
60 Month Share Certificate
$500
1.51%
▼ 1.39% below Hawaii avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Hawaii Average2.90%▼ 1.39% below avgNationally 2.92%
Details
Dividends compounded and credited monthly; Dividend period monthly; Minimum balance to avoid charge: N/A
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
5-Year Share Certificate
$0
1.00%
▼ 1.90% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 1.90% below avgNationally 2.92%
Details
Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 3 times
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Business Certificate - 5-Year (1,825 days)
$0
1.00%
▼ 1.90% below Hawaii avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 1.90% below avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 1.00% APY
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Share Certificate - 5-Year
$500
1.00%
▼ 1.90% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 1.90% below avgNationally 2.92%
Details
Minimum Opening Deposit: $500.00; Minimum Average Daily Balance to Earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 1.00% APY
HawaiiUSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
Roth IRA Share Certificate - 5-Year
$500
1.00%
▼ 1.90% below Hawaii avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 1.90% below avgNationally 2.92%
Details
Term: 5-Year Roth (1,825 days); Minimum Opening Deposit: $500.00; Minimum Average Daily Balance to Earn APY: $500.00
Rate History
No change since Oct 15, 2026 · 1.00% APY
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
IRA Certificate 5-Year
$1,000
1.00%
▼ 1.90% below Hawaii avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 1.90% below avgNationally 2.92%
Details
Dividends compounded/credited quarterly
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 4 times
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Share Certificate - 5-Year
$2,500
1.00%
▼ 1.90% below Hawaii avg
▼
Rate1.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Hawaii Average2.90%▼ 1.90% below avgNationally 2.92%
Details
Dividends Compounded/Credited: Quarterly
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.40% below Hawaii avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.90%▼ 2.40% below avgNationally 2.92%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.40% below Hawaii avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Hawaii Average2.90%▼ 2.40% below avgNationally 2.92%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
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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.
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Volcano, HI CD Rate Trends
Compare local Volcano, 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.
12-Month CD HI Avg
2.730%
▼ 0.061 vs 7 days ago
Hawaii 12-month CD rates fell 0.061 points over the past 7 days to 2.730% APY.
6-Month CD HI Avg
2.928%
▼ 0.047 vs 7 days ago
Hawaii 6-month CD rates fell 0.047 points over the past 7 days to 2.928% APY.
As of Oct 15, 2026 • Rate data sourced from 8,500+ monitored institutions
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HI CD Rate Forecast, Next 12 Months
Where are Hawaii CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
HI 12-Month Avg APY
2.730%
6-Month Forecast
2.730%
Range: 2.53%, 2.88%
12-Month Forecast
2.980%
Range: 2.78%, 3.13%
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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 | 1.866% | $93.28 | $186.56 | $466.40 | $932.80 |
| 6-Month CD | 2.928% | $146.38 | $292.75 | $731.88 | $1,463.75 |
| 12-Month CD | 2.730% | $136.50 | $272.99 | $682.48 | $1,364.95 |
| 18-Month CD | 2.801% | $140.07 | $280.14 | $700.35 | $1,400.70 |
| 24-Month CD | 2.504% | $125.18 | $250.36 | $625.90 | $1,251.80 |
| 36-Month CD | 2.569% | $128.46 | $256.92 | $642.30 | $1,284.60 |
| 48-Month CD | 2.659% | $132.96 | $265.92 | $664.80 | $1,329.60 |
| 60-Month CD | 2.903% | $145.13 | $290.26 | $725.65 | $1,451.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 15, 2026. | |||||
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Sample CD Ladder for Volcano, 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 | 1.866% | $93.28 |
| 2 | 6-Month CD | $5,000 | 2.928% | $146.38 |
| 3 | 12-Month CD | $5,000 | 2.730% | $136.50 |
| 4 | 24-Month CD | $5,000 | 2.504% | $125.18 |
| 5 | 36-Month CD | $5,000 | 2.569% | $128.46 |
| Total ($25,000 invested) | $25,000 | 2.519% blended | $629.80/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.
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387
CD Rates
Tracked in Volcano, Hawaii
Tracked in Volcano, Hawaii
7 Banks
36 Credit Unions
About Our Volcano, Hawaii CD Rate Database
MonitorBankRates tracks 387 CD rates from 7 banks and 36 credit unions with locations in Volcano, 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 to 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: CU Hawaii Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Volcano, Hawaii.
How to Find the Best CD Rates in Volcano, Hawaii
What to compare when shopping for a CD in Volcano, Hawaii
To find the best APYs in Volcano, Hawaii, start with credit unions and online-only banks: Volcano, Hawaii has 36 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 Volcano, 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 Volcano, Hawaii: 43 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Volcano, Hawaii savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Volcano, 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)
Population 65+
20.5%
National avg: 17.3%
Median Individual Earnings
$48,182
National avg: $47,340
Poverty Rate
10.0%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$132/yr
At HI 12-mo avg 2.730% APY
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 2.730%, saving 10% of the local median salary ($4,818/year) and putting it in a CD would earn an additional $132 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 Volcano, 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 to 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 Volcano, 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 Volcano, 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 Volcano, Hawaii as everywhere in the U.S.
Choosing a CD Term in Volcano, 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 Volcano, Hawaii savers easier access to their funds. For example, Maui County Federal Credit Union is offering its Share Certificates - 6-month at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, CU Hawaii Federal Credit Union is offering its 60 Month Certificates at 4.50% 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 Volcano, 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 Volcano, 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 Volcano, 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 Volcano, 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 Volcano, Hawaii
Most CDs carry a fixed rate that is locked for the entire term, protecting a Volcano, 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 Volcano, Hawaii
Are CD rates in Volcano, Hawaii FDIC insured?
Yes, most established banks in Volcano, 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 Volcano, 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 Volcano, 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 Volcano, 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 Volcano, Hawaii?
Here are recent top rates found for this area:
- CU Hawaii Federal Credit Union: 4.50% APY (60 Month Certificates)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Big Island Federal Credit Union: 4.33% APY (Term Share Certificate - 5 Years)
- Maui County Federal Credit Union: 4.25% APY (Share Certificates - 6-month)
- Kauai Teachers Federal Credit Union: 4.20% APY (1 Year IRA Certificates)
- Kauai Federal Credit Union: 4.20% APY (18 Month Jumbo Certificates)
- Hawaii Federal Credit Union: 4.10% APY (12 Month Certificate)
- Kahului Federal Credit Union: 4.05% APY (6 Month Share Certificate)
- Finance Factors: 4.00% APY (36-Month CD)
- Hawaii Community Federal Credit Union: 4.00% APY (Share Certificate - 24 Month)
Rates reflect recent verified offers available in Volcano, Hawaii. Last Updated: October 15, 2026
Volcano, Hawaii CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Volcano, Hawaii rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Volcano, Hawaii
Volcano, Hawaii CD Calculator
At today’s HI top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Volcano, Hawaii CD LadderHI CD rates currently range from 1.866% (3-month) to 2.569% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Volcano, Hawaii CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 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 2.730% 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 Volcano, 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 Volcano, 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 Volcano, 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: October 15, 2026
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