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Personal Banking

Certificates of Deposit

Choose a term, lock in a rate and watch your interest grow. Earning interest in Hawaii has never been so easy and secure.

Certificate of Deposit

Make your money work harder.

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.

Minimum Deposit


  • 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)

Get preferred rates and added peace of mind.

CDARS is a deposit placement service where certificates of deposits totaling more than $250,000 receive full FDIC coverage.*

Minimum Deposit


  • Maximum insurance coverage up to $50 million
  • Competitive interest rates with varying terms
  • Managed through Hawaii National Bank
  • Early withdrawal penalties apply

* 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.

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    To open an account or learn more, stop by any branch.

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