Regular 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

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

6 Month APY1

2.50%

4.40%

12 Month APY1

2.00%

3.50%

More CD options are available.

Ready to open your account?

Open Online

Opening a Regular CD Special online is quick and easy. Follow the prompts and you’ll be done in a few minutes.

Open now

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!

Meet in person

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

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.

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

How do I fund my CD account online?

There are two methods to fund your CD account online:

The first method, Instant Account Verification (IAV) is an easy and convenient way for you to use the username and password of your existing account with another financial institution to verify and fund your new account on the spot.

The second method, Small Dollar Verification (SDV) verifies your new account by depositing two small deposits (less than $1 each) into your existing bank account. The deposits will appear within 1-3 business days. You will then need to log back into your new deposit account application and verify the deposit amounts to successfully open your account online.

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.

*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:

  • 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

If you’re an existing Bank of Hawaii customer, you'll want to enter your online banking login (or your debit card and PIN) on the next screen.