Highest Yielding 5-Year CD Rates for Hawaii, HI

Includes Online Banks, Local Banks and Credit Unions / Updated April 19, 2024

All rates listed are Annual Percentage Yield (APY).


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  		•  4.55% Online Rate
    5-Year CD - $1,000 Min.

    Early Withdrawal Penalty is 360 days interest.

  		• 4.50% Online Rate
    5-Year CD - $0 Min.

    Early Withdrawal Penalty is 180 days interest.

    | February 22, 2024 |

    They gave me the new, lower CD rate even though I had opened the account online when the CD rate was 0.15% higher. I checked with Wells and they had even initiated the transfer before they lowered the rat... More Reviews

  		• 4.50% Online Rate with branch - View
    60 Month - $1,000 Min.

    Early Withdrawal Penalty is 180 days interest.

  		• 4.35% Online Rate
    5-year CD - $5,000 Min.

    Early Withdrawal Penalty is 6 Months' Interest.

  		• 4.34% Online Rate
    Online CD - $500 Min.
  		• 4.32% Online Rate
    5 Year CD - $1,000 Min.
  		• 4.31% Online Rate
    60 Month Online CD - $500 Min.
  		• 4.30% Online Rate with branch - View
    60 Month CD - $500 Min.

    | November 27, 2021 |

    I tried to open account and was rejected. Called and was treated worse than I could have imagined any bank ever treating anyone. These guys can go to hell. More Reviews

  		• 4.30% Online Rate
    5 Year CD - $10,000 Min.

    Early Withdrawal Penalty is 730 days interest.

  		• 4.16% Online Rate with branch - View
    5 YEAR - $500 Min.
  		• 4.15% Online Rate
    5-Year CD - $1,500 Min.

    Early withdrawal penalty is 365 days interest.

    | November 7, 2023 |

    The rates are good but it was a hassle getting my account set up. The app does not work. I purchased a 5 year CD and I hope I don't have any issues when it's time to cash it out. I wouldn't recommend Bread... More Reviews

  		• 4.05% Online Rate
    5 Year CD - $0 Min.

    | December 6, 2022 |

    The MOST organized bank with easy to read online banking ever! More Reviews

  		• 4.05% Online Rate
    5-Year CD - $500 Min.

    | May 22, 2023

    Your personal experiences OUTSIDE the bank shouldn't be the basis for your review of how the bank actually functions. More Reviews

  		• 4.05% Online Rate
    60 Month Online CD - $25,000 Min.

    Warning: Early Withdrawal Penalty is 2% of the account balance.

  		• 4.00% Online Rate
    60 Month CD - $0 Min.

    | May 12, 2023 |

    I can’t get a real live person ever! Don’t use them ! More Reviews

  		• 4.00% Bank with nearby branch - View
    60 Month - $0 Min.

    | December 6, 2022 |

    The MOST organized bank with easy to read online banking ever! More Reviews

  		• 4.00% Online Rate
    60 Month CD - $500 Min.

    | December 7, 2021 |

    I've been unable to log on all evening because of the AWS outage. Also, I waited on hold for over 1 hour before giving up. Unable to get access to my money and disappointed by the AWS reliance with no re... More Reviews

  		• 4.00% Online Rate
    60 Month Online CD - $500 Min.

    Early Withdrawal Penalty is 90 days interest.

    | July 18, 2022 |

    And how is this an online bank if they are inundating me with invitations to a customer appreciation free movie showing in some remote location in Utah? More Reviews

  		• 4.00% Online Rate
    60 Month CD - $500 Min.

    | October 13, 2022 |

    might be a good as a local bank, but not set up as an online bank More Reviews

  		• 4.00% Online Rate
    Basic CD - $1,000 Min.

    Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.

    | November 21, 2023 |

    Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews

  		• 4.00% Online Rate
    60 Month Online CD - $1,000 Min.

    Early Withdrawal Penalty is 180 days interest.

    | October 30, 2022 |

    I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%). Whatever I made with this adjustme... More Reviews

  		• 4.00% Online Rate
    60 Month CD - $2,500 Min.

    | January 7, 2023 |

    Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews

  		• 4.00% Online Rate
    5 Year CD - $2,500 Min.

    | September 18, 2022 |

    Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website... More Reviews

  		• 3.95% Online Rate
    60 Month CD - $10,000 Min.
  		• 3.90% Online Rate
    5 year CD - $0 Min.

    | August 1, 2022 |

    Hard to imagine how Ally got to be so bad, but 1 hour to speak with anyone on the phone is just not good business. It however is slightly better than my other bank which is CIT which hangs up on me. More Reviews

  		• 3.85% Online Rate with branch - View
    5 Year - $100,000 Min.
  		• 3.80% Online Rate with branch - View
    5 Year Money Market Certificate - $1,000 Min.

    | July 22, 2023 |

    Don't have an opinion now other than I like the % rate More Reviews

  		• 3.80% Credit Union with nearby branch - View
    5 Year - $20,000 Min.
  		• 3.75% Online Rate
    60 Month CD - $0 Min.

    Early Withdrawal Penalty is 180 days interest.

    | November 9, 2021 |

    Higher rate but same old bank. Still engages in a process of not crediting deposits for two days after they are drawn. As a result, any transfers initiated after Wednesday will miss earning interest over t... More Reviews

  		• 3.75% Online Rate
    60 Month CD - $2,500 Min.
  		• 3.60% Online Rate with branch - View
    60 MONTH - $500 Min.
  		• 3.56% Online Rate
    Jumbo 60 Month - $100,000 Min.

    | February 3, 2023 |

    So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

  		• 3.51% Online Rate with branch - View
    60 Month - $5,000 Min.

    | February 3, 2023 |

    So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

  		• 3.51% Online Rate
    5 Year CD - $10,000 Min.

    Warning: Early withdrawal penalty is 2% of principal

    | June 27, 2023 |

    Amataur outfit - stay away More Reviews

  		• 3.45% Online Rate
    5 Year CD ONLINE - $5,000 Min.

    | May 17, 2022 |

    I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too... More Reviews

  		• 3.20% Online Rate
    60 Month CD - $500 Min.
  		• 3.05% Online Rate
    60-Month CD - $25,000 Min.

    | June 13, 2023 |

    5% + on a savings rate is attractive, but the phone reps are trained to tell people as a first response to come to a branch to address any inquiries. (Thankfully, I don't live in Florida but I also means ... More Reviews

  		• 3.00% Online Rate
    60 Month CD - $0 Min.
  		• 3.00% Online Rate
    60 Month CD - $0 Min.
  		• 3.00% Online Rate with branch - View
    5 Year CD - $500 Min.

    Early Withdrawal Penalty is 6 months interest.

  		• 3.00% Online Rate
    60 Month CD - $1,000 Min.

    | June 13, 2023 |

    These Emigrant subsidiaries - Dollar Savings Direct and My Banking Direct - are a real nuisance when one offers a better rate that the other will not match. Transfers are next day though. So I can trans... More Reviews

  		• 3.00% Online Rate
    60 Month CD - $1,000 Min.

    | June 13, 2023 |

    These Emigrant subsidiaries - Dollar Savings Direct and My Banking Direct - are a real nuisance when one offers a better rate that the other will not match. Transfers are next day though. So I can trans... More Reviews

  		• 3.00% Online Rate with branch - View
    60 Month CD - $1,000 Min.
  		• 3.00% Online Rate with branch - View
    5 Year CD - $5,000 Min.

    Early Withdrawal Penalty is 12 months interest.

  		• 2.75% Online Rate
    60 Month CD - $500 Min.

    | July 14, 2021 |

    My husband and I opened an account here. We were happy to get the slightly higher rate for a bit, but they were quick to lower it. And, then the fees started. More Reviews

  		• 2.65% Online Rate with branch - View
    60-Months PremiumPlus Membership - $500 Min.
  		• 2.60% Online Rate
    60 Month Online CD - $0 Min.

    | November 13, 2023 |

    Indexed savings product from this bank is now 5.71%. Better than anything else on this site or available anywhere. More Reviews

  		• 2.50% Bank with nearby branch - View
    60 Month CD - $1,000 Min.
  		• 2.50% Bank with nearby branch - View
    60 Month CD - $100,000 Min.

    | September 8, 2022 |

    When it comes down to it, Chase is the only branch bank you want to have anything to do with. It has tools, including a mobile app, that blow anything away, and its folks are well-trained to be helpful. ... More Reviews

  		• 2.40% Online Rate with branch - View
    60 Month - $1,000 Min.
All rates listed above are Annual Percentage Yield (APY).

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