Source: https://www.boh.com/personal/bank-accounts/certificate-of-deposit
Read: 2026-10-22T10:08:15.000Z

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CERTIFICATE OF DEPOSIT (CD)*
Achieve your goals faster with our high-yield CD rates.
We can help you earn more so you can do more.
Get started
CHECKING
SAVINGS
CDS
Here’s what you’ll get with every Certificate of Deposit account
Great rates
Enjoy steady growth with our competitive rates.
Maximize growth
Lock in a high rate and watch your money grow.
Flexible options
Choose the term and interest rate that’s right for you.
Certificate of Deposit Rates
Select an account type
Bankohana New Money Special CD
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Minimum deposit of $5,000 - $24,999.992
Minimum deposit of $25,000 - $99,999.993
Minimum deposit of $100,000 or more4
3 Month APY1
Minimum deposit of $5,000 - $24,999.992
—
Minimum deposit of $25,000 - $99,999.993
3.00%
Minimum deposit of $100,000 or more4
3.00%
6 Month APY1
Minimum deposit of $5,000 - $24,999.992
3.15%
Minimum deposit of $25,000 - $99,999.993
3.15%
Minimum deposit of $100,000 or more4
3.15%
12 Month APY1
Minimum deposit of $5,000 - $24,999.992
3.40%
Minimum deposit of $25,000 - $99,999.993
3.40%
Minimum deposit of $100,000 or more4
3.40%
*Bank of Hawaii Certificate of Deposit
1 Annual Percentage Yield (APY) are as of 10/15/2026 and are subject to change without notice. Opening date and effective rate (corresponding APY) are based on when funds are received. Online opened CDs have an estimated APY; the APY is subject to change and may be lower if the account is funded at a later date. New Money Special rates are not combinable with other specials. New Money Special rate applies to the initial term of the CD. CD renews at the Promo rate for one term before renewing into the Standard rate. Rates not applicable to retirement accounts. If you do not have an existing Bankohana checking account, one is required and can be opened with a minimum deposit of $500 at the time of CD opening. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings on the account. Some restrictions apply.
2 Must be opened in the amount of $5,000 - $24,999.99, funded entirely from another financial institution via official check, an incoming wire, ACH credit or online banking external transfer, made in a single deposit.
3 Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Must be opened online with $25,000 - $99,999.99 funded entirely from another financial institution via online banking external transfer, made in a single deposit.
4 Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit.
Get started
Earn a great rate when you open your account with $2,500 or more from only your Bank of Hawaii checking or savings account. Earn a higher rate when you open your account with $5,000 or more from only another financial institution.
Open a Regular CD
Ready to open this CD? Select how you’ll be funding your new CD, which will determine your rate.
Select funding method
Select funding method
Open a Bankohana CD
Bankohana members are eigible for preferred rates.
Ready to open this CD? Select how you’ll be funding your new CD, which will determine your rate.
Select funding method
Select funding method
Open a CD In-Branch
Ready to open a CD in-branch or looking for other options? We’re here to help!
Book an appointment
Earn more. Fly more.
Earn 1.75% APY7 and get 60,000 AtmosTM Rewards points8 with our 6-month Jumbo New Money Special CD. Start your journey with a minimum deposit of $100,000, including $25,000 from another financial institution.
Learn more
Need more flexibility?
If you like the idea of security but may need quick access to your money, consider one of our savings accounts.
Learn more
[7,8] See important information
We’re Among “America’s Most Trustworthy Companies”
Bank of Hawaii is proud to be the only local bank ranked one of “Most Trustworthy Companies in America” by Newsweek five years in a row.
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Frequently Asked Questions
What is a Certificate of Deposit (CD)?
What type of CD is right for me?
What is APY?
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