Helping you save more for the things that matter.

Earn more on your savings with some of our best CD rates.

We have competitive CD rates to help you maximize your savings

Regular CD Special

New or existing customers can earn 4.60% APY1 on an online 6-month CD Special with a minimum balance and qualifying deposit of $5,0002.

Bankohana CD Special

New or existing Bankohana customers can earn 4.60% APY1 on an online 6-month CD Special with a minimum balance and qualifying deposit of $5,0002.

[1, 2] See important rate information

*Bank of Hawaii Time Deposit Account

1 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 accurate as of 2/15/2024 in the State of Hawaii and 2/16/2024 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. If you do not have an existing Bankohana checking account, one is required and can be opened with a minimum deposit of $500 at the time of CD opening. Some restrictions apply.

2 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.

Why choose a CD?

As your trusted financial partner, we’re here to make sure your money is working harder for you. Are you saving for a down payment for a home or a bucket list trip? Save with confidence with a Certificate of Deposit (CD) account. You can earn higher rates and pick terms that fit your needs. It’s just one more way we’re helping you Live your Happy.

rates icon
High rates and a choice of terms
money bills
Steady growth
lock icon
Safe and secure from a trusted local bank

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

4.60%

12 Month APY1

3.75%

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

6 Month APY1

4.60%

12 Month APY1

3.75%

Ready to open a CD in-branch?

Bank of Hawaii Among “America’s Most Trustworthy Companies”

For the second consecutive year, Bank of Hawaii is named on a national ranking of “Most Trustworthy Companies in America” by Newsweek and is the only business in Hawaii to appear on the list.

Newsweek Most Trustworthy Bank 2023

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.