Rates > Savings > Ira Share Certificate Hawaii Central Rate Summary IRA Share Certificates Save and build your way towards retirement and fulfill long-term financial goals. Rate Effective as of October 17, 2022 Open Now TERM APY* Dividend Rate Minimum Opening Balance Minimum balance to earn apy Minimum balance to avoid charge Dividends Compounded & Credited Dividend period 12MONTH 0.75%APY* 0.75% $500 $500 N/A QUARTERLY QUARTERLY 18MONTH 3.00%APY* 3.03% $500 $500 N/A QUARTERLY QUARTERLY 24MONTH 3.25%APY* 3.29% $500 $500 N/A QUARTERLY QUARTERLY 60MONTH 3.30%APY* 3.34% $500 $500 N/A QUARTERLY QUARTERLY *APY = Annual Percentage Yield. APY is subject to change at any time without notice. $500 minimum deposit required to open account. See Truth-in-Savings disclosure for more information. Federally insured by the NCUA. View Truth-in-Savings