Promo Certificate of Deposit (CD)
Maximize Your Savings Growth
You work hard for your money. It’s time your money work hard for you. Open a Certificate of Deposit (CD)* and lock in a high interest rate for your selected term and watch your money grow.
Certificate of Deposit Rates
- Regular New Money Special CD
- Regular Promo CD
| Minimum deposit of $5,000 - $24,999.992 |
|
Minimum deposit of $25,000 - $99,999.993 |
|
Minimum deposit of $100,000 or more4 | |
|---|---|---|---|---|---|
|
3 Month APY1 |
— |
3.05% |
3.15% |
||
|
6 Month APY1 |
3.05% |
3.05% |
3.15% |
||
|
12 Month APY1 |
2.65% |
2.65% |
3.05% |
*Bank of Hawaii Time Deposit Account
1 Annual Percentage Yield (APY) are as of 9/17/2025 and are subject to change without notice. Opening date and effective rate (corresponding APY) are based on when funds are received. Online opened CDs have an estimated APY; the APY is subject to change and may be lower if the account is funded at a later date. New Money Special rates are not combinable with other specials. New Money Special rate applies to the initial term of the CD. CD renews at the Promo rate for one term before renewing into the Standard rate. Rates not applicable to retirement accounts. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings on the account. Some restrictions apply.
2 Must be opened in the amount of $5,000 - $24,999.99, funded entirely from another financial institution via official check, an incoming wire, ACH credit or online banking external transfer, made in a single deposit.
3 Must be opened in-branch with a minimum amount of $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, additional funds may be included from an existing Bank of Hawaii account, made in a single deposit. Must be opened online with $25,000 - $99,999.99 funded entirely from another financial institution via online banking external transfer, made in a single deposit.
4 Must be opened in-branch with $100,000 or more with at least $25,000 funded from another financial institution via official check, an incoming wire, or ACH credit, made in a single deposit.
| Minimum deposit of $2,500 - $99,999.992 |
|
Minimum deposit of $100,000 or more3 | |
|---|---|---|---|
|
3 Month APY1 |
2.85% |
3.05% |
|
|
6 Month APY1 |
2.50% |
2.75% |
|
|
12 Month APY1 |
2.40% |
2.60% |
*Bank of Hawaii Time Deposit Account
1 Annual Percentage Yield (APY) are as of 9/17/2025 and are subject to change without notice. Opening date and effective rate (corresponding APY) are based on when funds are received. Online opened CDs have an estimated APY; the APY is subject to change and may be lower if the account is funded at a later date. Rates not applicable to retirement accounts. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings on the account. Some restrictions apply.
2 Must be opened in-branch with $2,500 or more. Must be opened online with $2,500 - $99,999.99 funded entirely from an existing Bank of Hawaii account.
3 Must be opened in-branch with a qualifying deposit of $100,000 or more.
Ready to open your account?
Open at a Branch
Open your new account when and where it’s most convenient for you by booking an appointment. Our friendly team members will guide you through the process. If you’d like to combine your Bank of Hawaii funds with new money, this is the best option for you!
Open Online
Earn a great rate when you open your account with $2,500 or more from only your Bank of Hawaii checking or savings account. Earn a higher rate when you open your account with $5,000 or more from only another financial institution.
Select how you’ll be funding your new CD, which will determine your rate.
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.
Contact our local experts
Send us a message, and our team will contact you by the next business day.
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.
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.
*Bank of Hawaii Time Deposit Account
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Opening an account is fast and easy.
You'll need to have these pieces of information ready before you get started:
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Name, social security number, date of birth (all applicants)
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Phone number and email address
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The bank routing number and account number to fund your account
If you’re an existing Bank of Hawaii customer, please enter your online banking login (or your debit card and PIN) on the next screen.
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Self-service appointment scheduling is temporarily unavailable while we work on an important upgrade. If you need immediate assistance, please visit a branch during regular business hours or contact our Customer Service Center to schedule an appointment. Customer Service Specialists are available from 7 a.m. to 7 p.m. HST, 7 days a week. To find a branch near you, visit boh.com/locations.
In Hawaii, you can reach us at 808-643-3888. If you're in the U.S. Mainland or Canada, please call 1-888-643-3888. For those in Guam and Saipan, dial 1-877-553-2424. And in Palau, you can contact us at 1-680-488-3338.
Mahalo for your patience during this time.
