Bank of Hawaii CD Rates — October 2026
As of October 22, 2026, Bank of Hawaii's highest CD rate is 3.40% APY on a 12-month relationship CD ($5,000 minimum). That is 1.9 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Bank of Hawaii CD rates
| Term | Product | APY |
|---|---|---|
| 3 months | Bankohana New Money Special CD Relationship | 3.00%Verified October 22, 2026 |
| 6 months | Bankohana New Money Special CD Relationship | 3.15%Verified October 22, 2026 |
| 6 months | Jumbo New Money Special CD Promotional | 1.75%Verified October 22, 2026 |
| 12 months | Bankohana New Money Special CD Relationship | 3.40%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Bank of Hawaii's best CD rates by term?
Bank of Hawaii's best rate is 3.40% APY on 12 months, verified October 22, 2026.
- 3 mo3.00%
- 6 mo3.15%
- 12 mo3.40%
How much interest could a Bank of Hawaii CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | Not estimated | Not estimated | $184.923.00% APY · Bankohana New Money Special CD · Relationship | $369.833.00% APY · Bankohana New Money Special CD · Relationship |
| 6 months | $78.363.15% APY · Bankohana New Money Special CD · Relationship | $156.713.15% APY · Bankohana New Money Special CD · Relationship | $391.783.15% APY · Bankohana New Money Special CD · Relationship | $783.553.15% APY · Bankohana New Money Special CD · Relationship |
| 12 months | $170.003.40% APY · Bankohana New Money Special CD · Relationship | $340.003.40% APY · Bankohana New Money Special CD · Relationship | $850.003.40% APY · Bankohana New Money Special CD · Relationship | $1,700.003.40% APY · Bankohana New Money Special CD · Relationship |
How Bank of Hawaii compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 44 of 64 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Bank of Hawaii (this institution)Bankohana New Money Special CD · Relationship | 12 months | $5,000 | Coverage: GU, HI, MP, PW | 3.40% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank of Hawaii on October 22, 2026.
About Bank of Hawaii
- Legal name
- Bank of Hawaii
- Regulator ID
- FDIC 18053
- Headquarters
- Honolulu, HI
- Available in
- GU, HI, MP, PW
- Total assets
- $23.8 billion
- Also known as
- BOH, Bankoh
- Website
- www.boh.com
Source: rates read from https://www.boh.com/personal/bank-accounts/certificate-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of Hawaii?
3.40% APY on a 12-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Bank of Hawaii CD?
The lowest minimum we found is $5,000; jumbo and higher balance tiers start at up to $100,000.
How does Bank of Hawaii's best CD rate compare with Treasury yields?
3.40% APY is −1.17% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.40% a good CD rate?
It is 1.9 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bank of Hawaii CDs insured?
Bank of Hawaii is an FDIC-insured bank (FDIC 18053). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of Hawaii's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bank of Hawaii's website and may change at any time. Confirm terms, minimums and eligibility with Bank of Hawaii before opening an account. This page is not financial advice.