Certificates of Deposit
To earn better bank rates for your business, consider a Certificate of Deposit (CD) or Certificate of Deposit Account Registry Service (CDARS). Our CDs allow terms as short as one month, while our CDARS offer the maximum FDIC coverage on large amounts with competitive interest rates and no fees.
Certificate of Deposit
Earning interest in Hawaii has never been easier or more secure.
With flexible terms and competitive rates, we have CDs to help you reach your financial goals.
Available to individuals, partnerships, corporations and other organizations with funds to commit for specific terms
Interest rates vary according to the deposit amount and term
Flexible interest payment options
At maturity, certificates are automatically renewable for the same term at the then prevailing rate
Certificate of Deposit Account Registry Service (CDARS)
CDARS is a deposit placement service where certificates of deposit totaling more than $250,000 receive full FDIC coverage.*
Preferred rates with $50,000 on deposit
Maximum insurance coverage up to $30 million
Competitive interest rates with varying terms offered
Managed through a single institution, Hawaii National Bank
No fees for this placement service
* Conventional FDIC coverage is up to $250,000, including principal and interest, per account ownership category. CDARS allows FDIC coverage on total deposits up to $50 million.
Important Information about Legal Entity Accounts
Effective May 11, 2018, all U.S. financial institutions will be subject to new federal rules under the Bank Secrecy Act that is intended to enhance the safety of the country’s financial system and combat financial crimes. This will change the requirements for opening or modifying banking accounts and services for covered legal entities. Please click here for a detailed document that discusses the new requirements and how they may affect you. To view the Beneficial Ownership Certification Form, click here.