Hawaii CD Rates | 1-Month to 5-Year CDs for Consumers with Good Credit Histories

With pristine beaches, tropical foliage, beautiful weather, and a vibrant local culture, the island of Hawaii certainly has more than enough natural beauty to offer its residents.

Residents of Hawaii have the benefit not only of enjoying island scenery, but also of choosing from a wide range of HI CD rates and products to boost their financial stability.

Of course, when it comes to finding the best rates on financial products in Hawaii, one of the most important steps is to conduct thorough comparison research, which can certainly be time consuming.

To help speed up your research process, we have provided a list of the best Hawaii rates and terms in the sections below.

For a list of the best HI rates and financial offers, check out the Hawaii rate table above.

Best CD Rates in Hawaii

Molokai, HI

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Which Hawaii City Are You Located In?

Below is a list of the largest cities in Hawaii. Click here to go to the Hawaii rates table displayed above to compare the best Hawaii rates from leading financial institutions.

Top Hawaii CitiesPopulation
Honolulu County998,714
East Honolulu49,914
Pearl City47,698
Ewa Gentry22,690
Mililani Mauka21,039
Ewa Beach14,955
Royal Kunia14,525

High Yield Savings Rates vs Best CD Rates in Hawaii

Finding the best HI CD rates means conducting thorough research to find an account that matches your unique financial goals.

Although there are plenty of great HI CD rates and products to choose from, you may find that online banks and national financial institutions offer higher CD rates than local banks.

If you would like to explore options for financial rates in Hawaii, use the above rate table to compare offers and rates from leading financial institutions across the state.

It’s also possible that you may discover that high-yield savings accounts in Hawaii are a better fit for your needs, since some online high-yield savings accounts offer much higher rates than even the best Hawaii CD rates.

Longer-Term Hawaii CDs

Something else to note is that the longer-term CDs (2-year, 3-year, and 5-year) tend to offer the best Hawaii CD rates.

Banks prefer to offer higher rates for longer-term Hawaii CDs since they can utilize your investment for a longer time period.

If you can put your money away for a longer time period, these longer-term CDs are often the best way to get great HI CD rates.

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Getting the Best HI CD Rates

Certificates of deposit are popular options for Hawaii residents, but it’s important to find the right HI CD rates and terms to align with your personal financial needs.

Below, we have provided a few tips to help you get the best HI CD rates to help your savings account grow.

Know Your Finances

While browsing through HI CD rates, you’ll want to have a clear picture of how much money you want to contribute.

Typically, Hawaii CDs with larger down payments also come with better rates, so if your budget allows for a greater investment, you will be in a good position to get the best HI CD rates.

Keep in mind that any money put into a CD won’t be liquid until the account matures, so you’ll want to have a good handle on your financial health before committing to a Hawaii CD.

Compare Multiple Products

When looking for the best HI CD rates, don’t forget to expand your search outside of your local bank.

As online banking rises in popularity, plenty of online banks are offering competitive HI CD rates for Hawaii residents.

Of course, credit unions are also a good resource for the best HI CD rates, since they are not-for-profit organizations and often offer competitive banking products as a result.

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Conclusion: Finding the Highest CD Rates in Hawaii

Don’t forget that even the best CD rates in Hawaii won’t be of much use if funds are withdrawn before the account has matured.

Hawaii CDs are not liquid accounts, meaning that withdrawing your savings before the agreed-upon deadline could incur some hefty penalty fees.

At the same time, Hawaii CDs are ideal for those who struggle with depleting their savings accounts before they have a chance to grow it, making CDs an excellent savings product for many Hawaii residents.

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CD, Savings and MMA Rate Table Disclaimer

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Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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