Current Interest Rates to Grow Your Money

Special Certificates of Deposit (CDs) and IRA CDs

 

Effective Date: June 14, 2026
Term length Annual Percentage Yield (APY) Minimum Opening Balance Minimum Balance Required to Earn APY
12 Month CD 3.70% $ 10,000 $10,000

*Deposited funds must be from another Financial Institution or cash.
A penalty may be imposed for early withdrawal.

Standard Certificates of Deposit (CDs) and IRA CDs

Effective Date: October 30, 2025
Term length Annual Percentage Yield (APY) Minimum Opening Balance Minimum Balance Required to Earn APY
3 Month CD 2.85% $ 1,000 $1,000
6 Month CD 3.15% $ 1,000 $1,000
9 Month CD 3.25% $ 1,000 $1,000
12 Month CD 3.10% $ 1,000 $1,000
24 Month CD 2.75% $ 1,000 $1,000
36 Month CD 2.65% $ 1,000 $1,000
48 Month CD 2.55% $ 1,000 $1,000
60 Month CD 2.45% $ 1,000 $1,000

A penalty may be imposed for early withdrawal. For IRA accounts, terms start at 6 months. 

Savings Accounts

 

Effective Date: October 30, 2025
Term length Annual Percentage Yield (APY) Minimum Opening Balance Minimum Balance Required to Earn APY
Statement Savings 0.02% $10 None
Student Savings 0.07% $10 None
Student Savings with Student Checking 0.07% $10 None
Keiki Savings 0.02% $10 None

Interest rate and Annual Percentage Yield (APY) subject to change without notice after the account is opened. Fees could reduce earnings on the account.

Checking Accounts

 

Effective Date: October 30, 2025
Term length Annual Percentage Yield (APY) Minimum Opening Balance Minimum Balance Required to Earn APY
Hawaii’s Best Checking 0.02% $100 None
Money Market Checking 0.02% $1,000 $0 to $999.99
  0.03% $1,000 $1,000 or more
Teen or Student Checking 0.02% $25 None

Interest rate and Annual Percentage Yield (APY) subject to change without notice after the account is opened. Fees could reduce earnings on the account.

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