Wahiawa, Hawaii CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Wahiawa, Hawaii CD rates include Schofield Federal Credit UnionSchofield Federal Credit UnionPO Box 860669, Wahiawa, HI 96786 0669A+5.0 ★Texas Ratio: 0.10%Real return: +1.20%APY minus CPI (February 2026) offering 60 Month Share Certificate at 4.00% APY, American Savings Bank, FSBAmerican Savings Bank, FSB649 California Ave, Wahiawa, HI 96786A+5.0 ★Texas Ratio: 2.15%Real return: +0.20%APY minus CPI (February 2026) offering 6-Month Certificate of Deposit at 3.00% APY, First Hawaiian BankFirst Hawaiian Bank730 California Ave, Wahiawa, HI 96786A+5.0 ★Texas Ratio: 0.78%Real return: +0.20%APY minus CPI (February 2026) offering 6-month Online CD at 3.00% APY, Hawaiian Financial Federal Credit UnionHawaiian Financial Federal Credit Union1129 Wright Ave Bldg 102, Wahiawa, HI 96786A+5.0 ★Texas Ratio: 2.48%Real return: -0.05%APY minus CPI (February 2026) offering 48 Months at 2.75% APY, and Maui Teachers Federal Credit UnionMaui Teachers Federal Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.26%APY minus CPI (February 2026) offering 6 Month Share Certificate SPECIAL! at 4.06% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Wahiawa has 32 local institutions in our database, with CD rates as high as 4.00% APY from Schofield Federal Credit Union at PO Box 860669, Wahiawa, HI 96786 0669. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Hawaii area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Wahiawa, Hawaii & the Surrounding Area
Wahiawa 3 Month CD Rates
Funds must originate from another financial institution.
Wahiawa 6 Month CD Rates
Interest rates updated as of 06/04/2026. Limited time offers. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
Funds must originate from another financial institution.
Interest rates updated as of 06/04/2026. Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
NEW MONEY ONLY!!! *APY - Annual Percentage Yield. Rates are accurate as of 01/01/2026 and are subject to change without notice
Dividends Compounded & Credited: Quarterly
early withdrawal penalty may be imposed.
minimum to open and earn APY.
Regular Share Certificates Only
Dividends Compounded/Credited: Quarterly
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
Wahiawa 12 Month CD Rates
Offer is effective as of 1/1/2026 and is subject to change or discontinue at any time, without notice. Maximum deposit amount with existing Schofield FCU funds is $25,000.00 per member. No deposit limit amount from funds at another financial institution.
Interest rates updated as of 06/04/2026. Limited time offers. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
Interest rates updated as of 06/04/2026. Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
early withdrawal penalty may be imposed.
Dividends Compounded & Credited: Quarterly
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.
Dividends are compounded and credited monthly. APY=Annual Percentage Yield. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
minimum to open and earn APY.
Dividends Compounded/Credited: Quarterly
Minimum $500
Dividends Compounded/Credited: Quarterly
Wahiawa 18 Month CD Rates
Interest rates updated as of 06/04/2026. Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
minimum to open and earn APY.
Minimum $500
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. Call for special Jumbo rates. For members age 55+, add 0.05% to all certificate rates.
Penalty for early withdrawal on all certificates. Early withdrawal fees may reduce earning and principal. For members age 55+, add 0.05% to all certificate rates.
Wahiawa 24 Month CD Rates
Interest rates updated as of 06/04/2026. Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
Dividends are compounded and credited monthly. APY=Annual Percentage Yield. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
Dividends Compounded & Credited: Quarterly
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
minimum to open and earn APY.
Dividends Compounded/Credited: Quarterly
Dividends Compounded/Credited: Quarterly
Wahiawa 36 Month CD Rates
Interest rates updated as of 06/04/2026. Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US. These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates. $250,000 maximum opening deposit per Online CD.
This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.
minimum to open and earn APY.
Dividends Compounded/Credited: Quarterly
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Dividends Compounded & Credited: Quarterly
Dividends Compounded/Credited: Quarterly
Wahiawa 48 Month CD Rates
minimum to open and earn APY.
Dividends Compounded & Credited: Quarterly
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Dividends Compounded/Credited: Quarterly
Wahiawa 60 Month CD Rates
This special rate is available to Hawaii residents and businesses only and may be discontinued at any time.
minimum to open and earn APY.
Dividends Compounded/Credited: Quarterly
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Dividends Compounded & Credited: Quarterly
Dividends Compounded/Credited: Quarterly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Wahiawa, HI CD Rate Trends
Compare local Wahiawa, HI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Hawaii 12-month CD rates fell 0.581 points over the past 7 days to 2.509% APY.
Hawaii 6-month CD rates fell 0.528 points over the past 7 days to 2.497% APY.
HI CD Rate Forecast — Next 12 Months
Where are Hawaii CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at HI CD Rates Today
Annual interest earnings at today’s Hawaii average APYs. State average used where available; national average as fallback.
| CD Term | HI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.236% | $61.78 | $123.55 | $308.88 | $617.75 |
| 6-Month CD | 2.497% | $124.84 | $249.68 | $624.20 | $1,248.40 |
| 12-Month CD | 2.509% | $125.47 | $250.94 | $627.35 | $1,254.70 |
| 18-Month CD | 1.586% | $79.28 | $158.56 | $396.40 | $792.80 |
| 24-Month CD | 1.691% | $84.53 | $169.05 | $422.63 | $845.25 |
| 36-Month CD | 1.041% | $52.05 | $104.10 | $260.25 | $520.50 |
| 48-Month CD | 0.931% | $46.55 | $93.09 | $232.73 | $465.45 |
| 60-Month CD | 1.850% | $92.52 | $185.03 | $462.58 | $925.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Wahiawa, 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 | 1.236% | $61.78 |
| 2 | 6-Month CD | $5,000 | 2.497% | $124.84 |
| 3 | 12-Month CD | $5,000 | 2.509% | $125.47 |
| 4 | 24-Month CD | $5,000 | 1.691% | $84.53 |
| 5 | 36-Month CD | $5,000 | 1.041% | $52.05 |
| Total ($25,000 invested) | $25,000 | 1.795% blended | $448.67/yr | |
Ladder example uses equal $5,000 rungs and Hawaii average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in Wahiawa, Hawaii
About Our Wahiawa, Hawaii CD Rate Database
MonitorBankRates tracks 173 CD rates from 4 banks and 24 credit unions with locations in Wahiawa, Hawaii, plus national online institutions available to Hawaii residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Schofield Federal Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Wahiawa, Hawaii.
How to Find the Best CD Rates in Wahiawa, Hawaii
What to compare when shopping for a CD in Wahiawa, Hawaii
To find the best APYs in Wahiawa, Hawaii, start with credit unions and online-only banks — Wahiawa, Hawaii has 24 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 Wahiawa, 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 Wahiawa, Hawaii — 28 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Wahiawa, Hawaii savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Wahiawa, Hawaii money market rates
Wahiawa, Hawaii Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
18.3% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.7% reflects a strong local economy. At today’s HI 12-month CD average of 2.509%, saving 10% of the local median salary ($4,712/year) and putting it in a CD would earn an additional $118 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 Wahiawa, Hawaii
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Wahiawa, 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 Wahiawa, 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 Wahiawa, Hawaii as everywhere in the U.S.
Choosing a CD Term in Wahiawa, 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 Wahiawa, Hawaii savers easier access to their funds. For example, First Hawaiian Bank is offering its 6-month Online CD at 3.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Schofield Federal Credit Union is offering its 60 Month Share Certificate at 4.00% 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 Wahiawa, 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 Wahiawa, 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 Wahiawa, 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 Wahiawa, 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 Wahiawa, Hawaii
Most CDs carry a fixed rate that is locked for the entire term, protecting a Wahiawa, 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 Wahiawa, Hawaii
Are CD rates in Wahiawa, Hawaii FDIC insured?
Do I have to pay state taxes on CD interest in Wahiawa, Hawaii?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Wahiawa, Hawaii?
- Schofield Federal Credit Union: 4.00% APY (60 Month Share Certificate)
- American Savings Bank, FSB: 3.00% APY (3-Month Certificate of Deposit)
- First Hawaiian Bank: 3.00% APY (6-month Online CD)
- Hawaiian Financial Federal Credit Union: 2.75% APY (48 Months)
- Maui Teachers Federal Credit Union: 4.06% APY (6 Month Share Certificate SPECIAL!)
- Kahuku Federal Credit Union: 3.91% APY (6-month CD)
- Ko`olau Federal Credit Union: 3.85% APY (IRA Certificates - (Traditional, Roth, Educational) 1 year (13 months))
- Kauai Teachers Federal Credit Union: 3.81% APY (6-Month CD)
- Aloha Pacific Federal Credit Union: 3.75% APY (12-Month Certificate)
- Hawaii Community Federal Credit Union: 3.75% APY (12 Month)
CD Calculators for Wahiawa, Hawaii
At today’s HI top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Wahiawa, Hawaii CD LadderHI CD rates currently range from 1.236% (3-month) to 1.041% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Wahiawa, Hawaii CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsHawaii’s average 12-month CD is 2.509% 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 Wahiawa, 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 Wahiawa, 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 Wahiawa, 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.
