# Hawaii State Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/hawaii-state-federal-credit-union
Institution: Hawaii State Federal Credit Union (NCUA 1718)
Aliases: 
Status: live
Last verified: 2026-10-23T02:10:10.000Z (October 22, 2026)
Official source: https://hawaiistatefcu.com/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Term Share | standard | 6 months | $1,000 | 0.15% | Not ZIP-priced | −4.25% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | special | 9 months | $1,000 | 4.50% | Not ZIP-priced | +0.02% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | standard | 12 months | $1,000 | 0.20% | Not ZIP-priced | −4.37% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | standard | 13 months | $1,000 | 3.35% | Not ZIP-priced | −1.25% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | special | 15 months | $1,000 | 4.50% | Not ZIP-priced | −0.15% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | standard | 24 months | $1,000 | 0.25% | Not ZIP-priced | −4.62% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | standard | 36 months | $1,000 | 0.25% | Not ZIP-priced | −4.70% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | standard | 48 months | $1,000 | 0.30% | Not ZIP-priced | −4.68% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |
| Term Share | standard | 60 months | $1,000 | 0.65% | Not ZIP-priced | −4.36% | 2026-10-23T02:10:10.000Z | [Snapshot 854](https://apyledger.com/snapshots/854) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.