Hawaii State Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Hawaii State Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 9-month special CD ($1,000 minimum). That is 3.2 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.15% to 3.35% APY.
Tracking began .
Hawaii State Federal Credit Union CD & share certificate rates
Membership required. Term share certificates from 6 to 60 months with a $1,000 minimum; the 9- and 15-month rates require all funds to come from another financial institution. Rates are fixed for the initial term. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Term Share | $1,000 | 0.15% | −4.25% | Top 97% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Term Share Special | $1,000 | 4.50% | +0.02% | Top 1% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Term Share | $1,000 | 0.20% | −4.37% | Top 97% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | Term Share | $1,000 | 3.35% | −1.25% | Verified October 22, 2026 |
| 15 months | Term Share Special | $1,000 | 4.50% | −0.15% | Verified October 22, 2026 |
| 24 months | Term Share | $1,000 | 0.25% | −4.62% | Top 97% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Term Share | $1,000 | 0.25% | −4.70% | Top 97% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Term Share | $1,000 | 0.30% | −4.68% | Top 96% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Term Share | $1,000 | 0.65% | −4.36% | Top 91% 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.
What are Hawaii State Federal Credit Union's best CD rates by term?
Hawaii State Federal Credit Union's best rate is 4.50% APY on 9 months, verified October 22, 2026.
- 6 mo0.15%
- 9 mo4.50%
- 12 mo0.20%
- 13 mo3.35%
- 15 mo4.50%
- 24 mo0.25%
- 36 mo0.25%
- 48 mo0.30%
- 60 mo0.65%
How much interest could a Hawaii State Federal Credit Union 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.
$335.95 interest · $10,335.95 at maturity on $10,000.00.
4.50% APY · 9 months · Term Share · Special · 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 |
|---|---|---|---|---|
| 6 months | $3.760.15% APY · Term Share · Standard | $7.520.15% APY · Term Share · Standard | $18.790.15% APY · Term Share · Standard | $37.590.15% APY · Term Share · Standard |
| 9 months | $167.974.50% APY · Term Share · Special | $335.954.50% APY · Term Share · Special | $839.874.50% APY · Term Share · Special | $1,679.744.50% APY · Term Share · Special |
| 12 months | $10.000.20% APY · Term Share · Standard | $20.000.20% APY · Term Share · Standard | $50.000.20% APY · Term Share · Standard | $100.000.20% APY · Term Share · Standard |
| 13 months | $181.513.35% APY · Term Share · Standard | $363.033.35% APY · Term Share · Standard | $907.573.35% APY · Term Share · Standard | $1,815.143.35% APY · Term Share · Standard |
| 15 months | $282.664.50% APY · Term Share · Special | $565.314.50% APY · Term Share · Special | $1,413.284.50% APY · Term Share · Special | $2,826.554.50% APY · Term Share · Special |
| 24 months | $25.030.25% APY · Term Share · Standard | $50.060.25% APY · Term Share · Standard | $125.160.25% APY · Term Share · Standard | $250.310.25% APY · Term Share · Standard |
| 36 months | $37.590.25% APY · Term Share · Standard | $75.190.25% APY · Term Share · Standard | $187.970.25% APY · Term Share · Standard | $375.940.25% APY · Term Share · Standard |
| 48 months | $60.270.30% APY · Term Share · Standard | $120.540.30% APY · Term Share · Standard | $301.350.30% APY · Term Share · Standard | $602.710.30% APY · Term Share · Standard |
| 60 months | $164.630.65% APY · Term Share · Standard | $329.250.65% APY · Term Share · Standard | $823.130.65% APY · Term Share · Standard | $1,646.260.65% APY · Term Share · Standard |
How Hawaii State Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 167 tracked institutions with fresh 274-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 |
|---|---|---|---|---|---|
| Hawaii State Federal Credit Union (this institution)Term Share · Special | 9 months | $1,000 | Membership required · branches in HI | 4.50% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 9 months | $1,500 | Available nationwide | 4.40% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Available nationwide | 4.35% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Hawaii State Federal Credit Union on October 22, 2026.
About Hawaii State Federal Credit Union
- Legal name
- Hawaii State Federal Credit Union
- Regulator ID
- NCUA 1718
- Headquarters
- Honolulu, HI
- Available in
- HI
- Total assets
- $2.9 billion
- Also known as
- Website
- www.hawaiistatefcu.com
Source: rates read from https://hawaiistatefcu.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Hawaii State Federal Credit Union?
Among the rates we track, 4.50% APY on a 9-month special CD, as of October 22, 2026.
What is the minimum deposit for a Hawaii State Federal Credit Union CD?
The lowest minimum we found is $1,000.
How does Hawaii State Federal Credit Union's best CD rate compare with Treasury yields?
4.50% APY is +0.02% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 3.2 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 Hawaii State Federal Credit Union CDs insured?
Hawaii State Federal Credit Union is a federally insured credit union (NCUA 1718). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Hawaii State Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Hawaii State Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Hawaii State Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Hawaii State Federal Credit Union before opening an account. This page is not financial advice.