First Hawaiian Bank CD Rates — October 2026
As of October 22, 2026, First Hawaiian Bank's highest tracked CD rate is 3.25% APY on a 6-month promotional CD ($150,000 minimum). That is 2.3 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.03% to 0.30% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.05% on 6 months
First Hawaiian Bank CD rates
In-branch CD promotions (a First Hawaiian checking account required), standard and jumbo in-branch CDs, and Online CDs, with a $1,000 minimum; higher Priority CD APYs require Priority Banking. Branches also operate in Guam and Saipan. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Priority Jumbo CD Relationship | $100,000 | 0.10% | −4.03% | Verified October 22, 2026 |
| 30 days | Priority CD Relationship | $1,000 | 0.08% | −4.05% | Verified October 22, 2026 |
| 30 days | Jumbo CD | $100,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 30 days | CD | $1,000 | 0.03% | −4.10% | Verified October 22, 2026 |
| 3 months | Promotional Priority CD Promotional | $1,000 | 3.00% | −1.29% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Promotional CD Promotional | $1,000 | 2.95% | −1.34% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Priority Jumbo CD Relationship | $100,000 | 0.13% | −4.17% | Top 92% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Priority CD Relationship | $1,000 | 0.08% | −4.21% | Top 95% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Jumbo CD | $100,000 | 0.08% | −4.21% | Top 95% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | CD | $1,000 | 0.03% | −4.26% | Top 99% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Promotional Priority CD Promotional | $150,000 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Promotional CD Promotional | $150,000 | 3.20% | −1.20% | Top 59% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Promotional Priority CD Promotional | $75,000 | 3.15% | −1.25% | Top 60% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Promotional CD Promotional | $75,000 | 3.10% | −1.30% | Top 60% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Promotional Priority CD Promotional | $1,000 | 3.05% | −1.35% | Top 62% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Promotional Online CD Promotional | $1,000 | 3.05% | −1.35% | Top 62% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Promotional CD Promotional | $1,000 | 3.00% | −1.40% | Top 68% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Priority Jumbo CD Relationship | $100,000 | 0.13% | −4.27% | Top 97% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Priority CD Relationship | $1,000 | 0.08% | −4.32% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Jumbo CD | $100,000 | 0.08% | −4.32% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Online CD | $1,000 | 0.06% | −4.34% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | CD | $1,000 | 0.03% | −4.37% | Top 100% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Priority Jumbo CD Relationship | $100,000 | 0.14% | −4.34% | Top 95% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Priority CD Relationship | $1,000 | 0.09% | −4.39% | Top 98% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Online CD | $1,000 | 0.09% | −4.39% | Top 98% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Jumbo CD | $100,000 | 0.09% | −4.39% | Top 98% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | CD | $1,000 | 0.04% | −4.44% | Top 99% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Promotional Priority CD Promotional | $1,000 | 2.90% | −1.67% | Top 73% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Promotional Online CD Promotional | $1,000 | 2.90% | −1.67% | Top 73% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Promotional CD Promotional | $1,000 | 2.85% | −1.72% | Top 73% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Priority Jumbo CD Relationship | $100,000 | 0.15% | −4.42% | Top 98% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Priority CD Relationship | $1,000 | 0.10% | −4.47% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Online CD | $1,000 | 0.10% | −4.47% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Jumbo CD | $100,000 | 0.10% | −4.47% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | CD | $1,000 | 0.05% | −4.52% | Top 100% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Priority Jumbo CD Relationship | $100,000 | 0.17% | −4.55% | Top 97% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Priority CD Relationship | $1,000 | 0.12% | −4.60% | Top 99% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Online CD | $1,000 | 0.12% | −4.60% | Top 99% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Jumbo CD | $100,000 | 0.12% | −4.60% | Top 99% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | CD | $1,000 | 0.07% | −4.65% | Top 99% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Priority Jumbo CD Relationship | $100,000 | 0.18% | −4.69% | Top 98% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Priority CD Relationship | $1,000 | 0.13% | −4.74% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Online CD | $1,000 | 0.13% | −4.74% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Jumbo CD | $100,000 | 0.13% | −4.74% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | CD | $1,000 | 0.08% | −4.79% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Priority Jumbo CD Relationship | $100,000 | 0.20% | −4.75% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Priority CD Relationship | $1,000 | 0.15% | −4.80% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Online CD | $1,000 | 0.15% | −4.80% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Jumbo CD | $100,000 | 0.15% | −4.80% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | CD | $1,000 | 0.10% | −4.85% | Top 99% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Priority Jumbo CD Relationship | $100,000 | 0.35% | −4.63% | Top 95% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Priority CD Relationship | $1,000 | 0.30% | −4.68% | Top 96% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Jumbo CD | $100,000 | 0.30% | −4.68% | Top 96% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | CD | $1,000 | 0.25% | −4.73% | Top 98% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Priority Jumbo CD Relationship | $100,000 | 0.35% | −4.66% | Top 96% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Priority CD Relationship | $1,000 | 0.30% | −4.71% | Top 97% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Jumbo CD | $100,000 | 0.30% | −4.71% | Top 97% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | CD | $1,000 | 0.25% | −4.76% | Top 98% of tracked 60-month CDs · 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.
Watch the renewal rate
The best promotional rate here is 3.25% APY (6 months). The standard rate for a similar term is 0.08% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $317 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are First Hawaiian Bank's best CD rates by term?
First Hawaiian Bank's best rate is 3.25% APY on 6 months, verified October 22, 2026.
- 30 days0.10%
- 3 mo3.00%
- 6 mo3.25%
- 9 mo0.14%
- 12 mo2.90%
- 18 mo0.17%
- 24 mo0.18%
- 36 mo0.20%
- 48 mo0.35%
- 60 mo0.35%
How much interest could a First Hawaiian Bank 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.
$151.77 interest · $10,151.77 at maturity on $10,000.00.
3.05% APY · 6 months · Promotional Priority CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $0.330.08% APY · Priority CD · Relationship | $0.660.08% APY · Priority CD · Relationship | $1.640.08% APY · Priority CD · Relationship | $3.290.08% APY · Priority CD · Relationship |
| 3 months | $36.983.00% APY · Promotional Priority CD · Promotional | $73.973.00% APY · Promotional Priority CD · Promotional | $184.923.00% APY · Promotional Priority CD · Promotional | $369.833.00% APY · Promotional Priority CD · Promotional |
| 6 months | $75.893.05% APY · Promotional Priority CD · Promotional | $151.773.05% APY · Promotional Priority CD · Promotional | $379.433.05% APY · Promotional Priority CD · Promotional | $758.863.05% APY · Promotional Priority CD · Promotional |
| 9 months | $3.380.09% APY · Priority CD · Relationship | $6.760.09% APY · Priority CD · Relationship | $16.890.09% APY · Priority CD · Relationship | $33.780.09% APY · Priority CD · Relationship |
| 12 months | $145.002.90% APY · Promotional Priority CD · Promotional | $290.002.90% APY · Promotional Priority CD · Promotional | $725.002.90% APY · Promotional Priority CD · Promotional | $1,450.002.90% APY · Promotional Priority CD · Promotional |
| 18 months | $9.010.12% APY · Priority CD · Relationship | $18.020.12% APY · Priority CD · Relationship | $45.050.12% APY · Priority CD · Relationship | $90.110.12% APY · Priority CD · Relationship |
| 24 months | $13.010.13% APY · Priority CD · Relationship | $26.020.13% APY · Priority CD · Relationship | $65.040.13% APY · Priority CD · Relationship | $130.080.13% APY · Priority CD · Relationship |
| 36 months | $22.530.15% APY · Priority CD · Relationship | $45.070.15% APY · Priority CD · Relationship | $112.670.15% APY · Priority CD · Relationship | $225.340.15% APY · Priority CD · Relationship |
| 48 months | $60.270.30% APY · Priority CD · Relationship | $120.540.30% APY · Priority CD · Relationship | $301.350.30% APY · Priority CD · Relationship | $602.710.30% APY · Priority CD · Relationship |
| 60 months | $75.450.30% APY · Priority CD · Relationship | $150.900.30% APY · Priority CD · Relationship | $377.260.30% APY · Priority CD · Relationship | $754.510.30% APY · Priority CD · Relationship |
How First Hawaiian Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 213 of 377 tracked institutions with fresh 183-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Hawaiian Bank (this institution)Promotional Priority CD · Promotional | 6 months | $150,000 | Branches in HI | 3.25% | October 22, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Available nationwide | 4.20% | October 22, 2026 |
| Synchrony BankCD · Standard | 6 months | Not stated | Available nationwide | 4.10% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Hawaiian Bank on October 22, 2026.
About First Hawaiian Bank
- Legal name
- First Hawaiian Bank
- Regulator ID
- FDIC 17985
- Headquarters
- Honolulu, HI
- Available in
- HI
- Total assets
- $23.7 billion
- Also known as
- FHB
- Website
- www.fhb.com
Source: rates read from https://www.fhb.com/en/rates/savings-cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Hawaiian Bank?
Among the rates we track, 3.25% APY on a 6-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a First Hawaiian Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $150,000.
How does First Hawaiian Bank's best CD rate compare with Treasury yields?
3.25% APY is −1.15% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.25% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.39% 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 First Hawaiian Bank CDs insured?
First Hawaiian Bank is an FDIC-insured bank (FDIC 17985). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Hawaiian Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Hawaiian Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Hawaiian Bank before opening an account. This page is not financial advice.