Certificate of Deposit (CD)*

Achieve your goals faster with our high-yield CD rates.

We can help you earn more so you can do more.

Certificate of Deposit Rates

Browse rates by term
Online Bankohana CD Special
Minimum balance and qualifying deposit of $5,000 or more2

6 Month APY1

4.50%

12 Month APY1

3.60%

Browse rates by term
Online Regular CD Special
Minimum balance and qualifying deposit of $5,000 or more2

6 Month APY1

4.50%

12 Month APY1

3.60%

Browse rates by term
In-Branch Bankohana CD Special
Minimum balance and qualifying deposit of $25,000 or more2

6 Month APY1

4.50%

12 Month APY1

3.60%

Browse rates by term
In-Branch Regular CD Special
Minimum balance and qualifying deposit of $25,000 or more2

6 Month APY1

4.50%

12 Month APY1

3.60%

In-Branch Bankohana CD
Minimum deposit of $2,500 - $99,999.992 Minimum deposit of $100,000+2

6 Month APY1

4.00%

4.00%

12 Month APY1

2.50%

2.50%

In-Branch Regular CD
Minimum deposit of $2,500 - $99,999.992 Minimum deposit of $100,000+2

6 Month APY1

2.50%

4.05%

12 Month APY1

2.00%

2.50%

Ready to open a CD in-branch?

Ready to open a CD Special online?

Bankohana CD Special

New or existing Bankohana customers can earn 4.50% APY3 on an online 6-month CD Special with a minimum balance and qualifying deposit of $5,0004.

Regular CD Special

New or existing customers can earn 4.50% APY3 on an online 6-month CD Special with a minimum balance and qualifying deposit of $5,0004.

[3, 4] See important rate information

*Bank of Hawaii Time Deposit Account

3 An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings on the account. CDs automatically renew on the maturity date for the same term at the rate then in effect for accounts of the same type, amount and term. Annual Percentage Yield (APY) are as of 4/1/2024 in the State of Hawaii and 4/2/2024 in Guam, Saipan, and Palau and are subject to change without notice. Opening date and effective rate (corresponding APY) are based on when funds are received. Rates not applicable to retirement accounts. Some restrictions apply.

4 CD account must be opened online with a minimum qualifying deposit of $5,000 from another financial institution. For a CD opened online, the entire qualifying deposit must be funded from an external financial institution and is limited to amounts less than $100,000.

Earn more. Fly more.

Earn 3.00% APY5 and get 60,000 bonus miles6 with our 6-month, in-branch HawaiianMiles® Jumbo CD Special. Start your journey with a minimum deposit of $100,000, including $25,000 from another financial institution. To open an account, visit any branch.

man hiking in canyon

[5, 6] See important rate information

5 Annual Percentage Yield (APY) is fixed for the term of the CD and based on the date when funds are received. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings on the account. CDs automatically renew on the maturity date for the same term at the rate then in effect for accounts of the same type, amount and term. APYs are as of 4/1/2024 in the State of Hawaii and as of 4/2/2024 and are subject to change without notice. Opening date and effective rate (corresponding APY) are based on when funds are received in its entirety. The products listed above may not be available to all customers or to all areas that Bank of Hawaii serves. Some restrictions apply.

6 Miles will be awarded to the recipient within 60 days of opening a HawaiianMiles Jumbo CD Special unless there are discrepancies in identifying the correct HawaiianMiles account number that should be credited. Offer subject to change without notice. You will receive a 1099 for the value of the miles. The current estimated value for 60,000 HawaiianMiles is $600.

See full terms and conditions.

Savings Accounts

Need more flexibility?

If you like the idea of security but may need quick access to your money, consider one of our savings accounts.

mom and child graduate

We’re Among “America’s Most Trustworthy Companies”

Bank of Hawaii is proud to be the only local bank ranked one of “Most Trustworthy Companies in America” by Newsweek two years in a row.

Newsweek Most Trustworthy Bank 2023

Connect with a specialist

We’re here to help with all of your banking needs. Choose from in-person or phone appointments at a time and location that’s convenient for you.

Branch recruiter onsite hiring

Frequently Asked Questions

What is a Certificate of Deposit (CD)?

CDs allow you to deposit funds into an account for a set period of time (also known as the term), and earn interest on your deposit. CDs typically earn a higher rate than traditional savings accounts, enabling you to earn more in interest, faster.

What type of CD is right for me?

The right account depends on a number of factors, including how much money you can set aside in a CD, how long until you will need it, as well as your financial goals now and in the future. If you need help choosing the right CD, we can help. Book an appointment >

What is APY?

APY stands for Annual Percentage Yield and is the amount of money or interest you earn on a bank account over one year.

What do I need to open my CD account online?

Opening a CD account is fast and easy. Youʻll need the following to get started:

  • Name, social security number, date of birth (all applicants)
  • Phone number and email address
  • The bank routing number and account number to fund your account

What if I want to open my CD account in a branch?

For your convenience, we recommend booking an appointment in advance to ensure you’re able to get the dedicated time you need.

I just opened my account. What’s next?

Welcome to Bank of Hawaii! Weʻll be reaching out to you via phone and email with tips to help you make the most of your new account. You can also explore features here.

You're about to exit BOH.com

Links to other sites are provided as a service to you by Bank of Hawaii. These other sites are neither owned nor maintained by Bank of Hawaii. Bank of Hawaii shall not be responsible for the content and/or accuracy of any information contained in these other sites or for the personal or credit card information you provide to these sites.

Opening an account is fast and easy.

CD Specials must be entirely funded from another financial institution when opened online. The rate applied to your CD special is based on the published rate in effect on the day we receive your opening deposit. Based on the funding method you choose, that can take up to 14 business days.

Please ensure you have the bank routing number and account number to fund your new account. If you don’t already have a Bankohana checking account, you’ll be prompted to open one during the account opening process.

Opening an account is fast and easy.

CD Specials must be entirely funded from another financial institution when opened online. The rate applied to your CD special is based on the published rate in effect on the day we receive your opening deposit. Based on the funding method you choose, that can take up to 14 business days.

Please ensure you have the bank routing number and account number to fund your new account.