; Share Certificate Rates - Hawaii Central Federal Credit Union

SYSTEM MAINTENANCE: Debit Cards: Limited availability from 1:00 AM on Friday, May 8 through 8:00 AM on Saturday, May 9
Online & Mobile Banking: Unavailable from 5:00 AM to 9:00 AM on Saturday, May 9
Shared Branching: Unavailable for the entire day on Saturday, May 9 and Sunday, May 10

Rates > Savings > Share Certificates

Hawaii Central Rate Summary

Share Certificates

With a minimal deposit, you can open a Share Certificate Account and lock in your earnings. A variety of certificates are available with terms ranging from 6 months to 60 months to suit your financial needs.

Rate Effective as of April 8, 2026

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TERM
APY*
Dividend Rate
Minimum Opening Balance
Minimum balance to earn apy
Minimum balance to avoid charge
Dividends Compounded & Credited
Dividend period
6
MONTH
3.50%APY*
3.44%
$1000
$1000
N/A
MONTHLY
MONTHLY
12
MONTH
3.25%APY*
3.21%
$500
$500
N/A
MONTHLY
MONTHLY
18
MONTH
3.29%APY*
3.25%
$500
$500
N/A
MONTHLY
MONTHLY
24
MONTH
3.34%APY*
3.30%
$500
$500
N/A
MONTHLY
MONTHLY
60
MONTH
1.51%APY*
1.50%
$500
$500
N/A
MONTHLY
MONTHLY

* APY = Annual Percentage Yield. APY is subject to change at any time without notice. Fees may reduce earnings. Penalties may apply for early withdrawals. $1000 minimum deposit required to open 6-month share certificate; $500 minimum deposit required to open other certificate terms. See Truth-in-Savings disclosure for more information. Federally insured by the NCUA.

View Truth-in-Savings

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