Savings & CD Rates
Current Savings & CD Rates
Current In-Branch CD Promotional Rates
Product
Product
CD APY[[#1]][[,]][[#2]]
CD APY[[#1]][[,]][[#2]]
Priority CD APY[[#1]][[,]][[#3]]
Priority CD APY[[#1]][[,]][[#3]]
Minimum Opening Deposit
Minimum Opening Deposit
3-month CD
3.00%
3.05%
$1,000
Interest rates updated as of 07/03/2025
6-month CD
3.35%
3.40%
$1,000
Interest rates updated as of 07/03/2025
12-month CD
3.25%
3.30%
$1,000
Interest rates updated as of 07/03/2025
12-month IRA CD[[4]]
3.25%
3.30%
$1,000
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) are accurate as of the date listed. A penalty may be imposed for early withdrawal. Refer to the Important Terms and Conditions and Schedule of Changes for [Personal/Business] Deposit Accounts provided at account opening for the early withdrawal penalties. Fees could reduce earnings on the accounts. CD promotions are subject to change at anytime without prior notice. These rates cannot be combined with any other promotional offer.
- CD promotions are available to customers who have a First Hawaiian Bank personal or business checking account at the time a CD account is opened. The minimum deposit to open a First Hawaiian Bank personal checking account is $20 and $100 to open a First Hawaiian Bank business checking account.
- To take advantage of the promotional Priority CD APYs, you must be one of the following at the time a CD account is opened: (1) A Personal or Business Priority Banking Platinum Checking Account customer; (2) A Business Analyzed Checking Account customer; (3) Be enrolled in the Private Banking Program; or (4) Be a grandfathered PrimeTime/Primera Gold or Platinum member. The minimum deposit to open a Personal Priority Banking Checking Account is $20 and $100 for a Business Priority Banking Checking Account.
- IRA CD is not available for business customers.
Current In-Branch CD Rates
Product
Product
CD APY[[#5]]
CD APY[[#5]]
Priority CD APY[[#5]][[, ]][[#6]]
Priority CD APY[[#5]][[, ]][[#6]]
Minimum Opening Deposit
Minimum Opening Deposit
30-90 Days CD
0.03%
0.08%
$1,000
Interest rates updated as of 07/03/2025
3-5 Months CD
0.03%
0.08%
$1,000
Interest rates updated as of 07/03/2025
6-8 Months CD
0.03%
0.08%
$1,000
Interest rates updated as of 07/03/2025
9-11 Months CD
0.04%
0.09%
$1,000
Interest rates updated as of 07/03/2025
12-17 Months CD
0.05%
0.10%
$1,000
Interest rates updated as of 07/03/2025
18-23 Months CD
0.07%
0.12%
$1,000
Interest rates updated as of 07/03/2025
24-35 Months CD
0.08%
0.13%
$1,000
Interest rates updated as of 07/03/2025
36-47 Months CD
0.10%
0.15%
$1,000
Interest rates updated as of 07/03/2025
48-59 Months CD
0.25%
0.30%
$1,000
Interest rates updated as of 07/03/2025
60-72 Months CD
0.25%
0.30%
$1,000
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) are accurate as of the date listed. A penalty may be imposed for early withdrawal. Refer to the Important Terms and Conditions and Schedule of Charges for [Personal/Business] Deposit Accounts provided at account opening for the early withdrawal penalties. Fees may reduce earnings.
- To take advantage of the Priority CD APYs, you must be one of the following at the time a CD account is opened: (1) A Personal or Business Priority Banking Platinum Checking Account customer; (2) A Business Analyzed Checking Account customer; (3) Be enrolled in the Private Banking Program; or (4) Be a grandfathered PrimeTime/Primera Gold or Platinum member. The minimum deposit to open a Personal Priority Banking Checking Account is $20 and $100 for a Business Priority Banking Checking Account.
Current In-Branch Jumbo CD Rates
Product
Product
CD APY[[#7]]
CD APY[[#7]]
Priority CD APY[[#7]][[, ]][[#8]]
Priority CD APY[[#7]][[, ]][[#8]]
Minimum Opening Deposit
Minimum Opening Deposit
30-90 Days CD
0.05%
0.10%
$100,000
Interest rates updated as of 07/03/2025
3-5 Months CD
0.08%
0.13%
$100,000
Interest rates updated as of 07/03/2025
6-8 Months CD
0.08%
0.13%
$100,000
Interest rates updated as of 07/03/2025
9-11 Months CD
0.09%
0.14%
$100,000
Interest rates updated as of 07/03/2025
12-17 Months CD
0.10%
0.15%
$100,000
Interest rates updated as of 07/03/2025
18-23 Months CD
0.12%
0.17%
$100,000
Interest rates updated as of 07/03/2025
24-35 Months CD
0.13%
0.18%
$100,000
Interest rates updated as of 07/03/2025
36-47 Months CD
0.15%
0.20%
$100,000
Interest rates updated as of 07/03/2025
48-59 Months CD
0.30%
0.35%
$100,000
Interest rates updated as of 07/03/2025
60-72 Months CD
0.30%
0.35%
$100,000
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) are accurate as of the date listed. A penalty may be imposed for early withdrawal. Refer to the Important Terms and Conditions and Schedule of Charges for [Personal/Business] Deposit Accounts provided at account opening for the early withdrawal penalties. Fees may reduce earnings.
- To take advantage of the Priority CD APYs, you must be one of the following at the time a CD account is opened: (1) A Personal or Business Priority Banking Platinum Checking Account customer; (2) A Business Analyzed Checking Account customer; (3) Be enrolled in the Private Banking Program; or (4) Be a grandfathered PrimeTime/Primera Gold or Platinum member. The minimum deposit to open a Personal Priority Banking Checking Account is $20 and $100 for a Business Priority Banking Checking Account.
Current In-Branch IRA CD Rates
Product
Product
CD APY[[#9]]
CD APY[[#9]]
Priority CD APY[[#9]][[, ]][[#10]]
Priority CD APY[[#9]][[, ]][[#10]]
Minimum Opening Deposit
Minimum Opening Deposit
12-17 Months CD
0.05%
0.10%
$1,000
Interest rates updated as of 07/03/2025
18-23 Months CD
0.05%
0.10%
$1,000
Interest rates updated as of 07/03/2025
24-35 Months CD
0.07%
0.12%
$1,000
Interest rates updated as of 07/03/2025
36-47 Months CD
0.08%
0.13%
$1,000
Interest rates updated as of 07/03/2025
48-59 Months CD
0.10%
0.15%
$1,000
Interest rates updated as of 07/03/2025
60-72 Months CD
0.25%
0.30%
$1,000
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) are accurate as of the date listed. A penalty may be imposed for early withdrawal. Refer to the Important Terms and Conditions and Schedule of Charges for Personal Deposit Accounts provided at account opening for the early withdrawal penalties. Fees may reduce earnings.
- To take advantage of the Priority CD APYs, you must be one of the following at the time a CD account is opened: (1) A Personal Priority Banking Platinum Checking Account customer; (2) Be enrolled in the Private Banking Program; or (3) Be a grandfathered PrimeTime/Primera Gold or Platinum member. The minimum deposit to open a Personal Priority Banking Checking Account is $20.
Current Online CD Promotional Rates
Product
Product
APY[[#11]]
APY[[#11]]
Minimum Opening Deposit
Minimum Opening Deposit
6-month Online CD[[12]]
3.40%
$500[[13]]
Interest rates updated as of 07/03/2025
12-month Online CD[[12]]
3.30%
$500[[13]]
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) are accurate as of the date listed. A penalty may be imposed for early withdrawal. Refer to the Important Terms and Conditions and Schedule of Charges for Personal Deposit Accounts provided at account opening for the early withdrawal penalties. APYs shown do not apply to IRA CDs. Limited time offers. Fees could reduce earnings on the accounts. Online CDs are only available for personal accounts and applicants must be 18 years or older, US Citizens with a social security number and residing in the US.
- These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates.
- $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit).
Current Online CD Rates
Product
Product
APY[[#14]]
APY[[#14]]
Minimum Opening Deposit
Minimum Opening Deposit
6-month Online CD[[15]]
0.06%
$500[[16]]
Interest rates updated as of 07/03/2025
9-month Online CD[[15]]
0.09%
$500[[16]]
Interest rates updated as of 07/03/2025
12-month Online CD[[15]]
0.10%
$500[[16]]
Interest rates updated as of 07/03/2025
18-month Online CD[[15]]
0.12%
$500[[16]]
Interest rates updated as of 07/03/2025
24-month Online CD[[15]]
0.13%
$500[[16]]
Interest rates updated as of 07/03/2025
36-month Online CD[[15]]
0.15%
$500[[16]]
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) are accurate as of the date listed. A penalty may be imposed for early withdrawal. Refer to the Important Terms and Conditions and Schedule of Charges for Personal Deposit Accounts provided at account opening for the early withdrawal penalties. APYs shown do not apply to IRA CDs. Fees could reduce earnings on the accounts. Online CD rates only apply to CDs opened online via FHB.com. Online CDs are only available for personal accounts.
- These rates cannot be combined with any other promotional offer or with the Priority Banking CD preferred rates.
- $250,000 maximum opening deposit per Online CD (certain Online CD promotions may have a lower maximum deposit limit).
Current Personal Regular Savings Rate
Balance Range
Balance Range
APY[[#17]]
APY[[#17]]
Minimum Opening Deposit
Minimum Opening Deposit
$0.01+
0.02%
$20.00
Interest rates updated as of 07/03/2025
- Annual Percentage Yield (APY) shown is accurate as of the date listed. The rates may change after the account is opened. Fees could reduce earnings on the account.
Current Personal MaxiMizer[[SM]] Rates
Balance Range
Balance Range
APY[[#18]]
APY[[#18]]
Minimum Opening Deposit
Minimum Opening Deposit
Less than $2,500
0.02%
$20.00
Interest rates updated as of 07/03/2025
$2,500 - $24,999.99
0.02%
$20.00
Interest rates updated as of 07/03/2025
$25,000 - $99,999.99
0.03%
$20.00
Interest rates updated as of 07/03/2025
$100,000 - $499,999.99
0.04%
$20.00
Interest rates updated as of 07/03/2025
$500,000 - $999,999.99
0.04%
$20.00
Interest rates updated as of 07/03/2025
$1,000,000+
0.05%
$20.00
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) shown are accurate as of the date listed. The rates may change after the account is opened. Fees could reduce earnings on the account.
Current Personal YesSavings[[SM]][[#19]] Rates
Balance Range
Balance Range
Base APY[[#20]][[, ]][[#21]]
Base APY[[#20]][[, ]][[#21]]
Combined APY[[#20]][[, ]][[#21]]
Combined APY[[#20]][[, ]][[#21]]
Minimum Opening Deposit[[#22]]
Minimum Opening Deposit[[#22]]
Less than $25,000.00
0.40%
0.50%
$10,000.00
Interest rates updated as of 07/03/2025
$25,000.00 to $99,999.99
0.40%
1.00%
$10,000.00
Interest rates updated as of 07/03/2025
$100,000.00 to $249,999.99
1.00%
2.50%
$10,000.00
Interest rates updated as of 07/03/2025
$250,000.00 to $999,999.99
1.00%
3.05%
$10,000.00
Interest rates updated as of 07/03/2025
$1,000,000.00+
1.00%
3.15%
$10,000.00
Interest rates updated as of 07/03/2025
- To be eligible to open a YesSavings Account, you must have a Personal Priority Banking Gold or Platinum Checking Account.
- Annual Percentage Yields (APYs) shown are accurate as of the date listed. The rates may change after the account is opened. Fees could reduce earnings on the account.
- To qualify for the YesSavings bonus interest rate (“Bonus Interest Rate”) during your monthly cycle, you must deposit at least $25 per month. If you qualify for the Bonus Interest Rate, you will earn a Combined Interest Rate which is the base interest rate plus Bonus Interest Rate. If you do not qualify for the Bonus Interest Rate for a monthly cycle, the base interest rate (“Interest Rate”) will apply. You may re-qualify to earn the Bonus Interest Rate in any subsequent monthly cycle by meeting the condition stated above.
- Minimum opening deposit of $10,000 directly into the YesSavings Account is required within 5 calendar days of opening through (1) a check drawn on another financial institution; (2) an external transfer from another financial institution; or (3) a wire transfer from another financial institution. A transfer of $10,000 from another First Hawaiian Bank account does not qualify.
Current Business Regular Savings Rate
Balance Range
Balance Range
APY[[#23]]
APY[[#23]]
Minimum Opening Deposit
Minimum Opening Deposit
$0.01+
0.02%
$100.00
Interest rates updated as of 07/03/2025
- Annual Percentage Yield (APY) shown is accurate as of the date listed. The rates may change after the account is opened. Fees could reduce earnings on the account.
Current Promotional Business MaxiMizer[[SM]] Prime[[#24]] Rates
Balance Range[[#26]]
Balance Range[[#26]]
APY
APY
Minimum Opening Deposit[[#25]]
Minimum Opening Deposit[[#25]]
$0.01 - $24,999.99
0.02%
$50,000.00
Interest rates updated as of 07/03/2025
$25,000 - $99,999.99
1.15%
$50,000.00
Interest rates updated as of 07/03/2025
$100,000 - $249,999.99
3.00%
$50,000.00
Interest rates updated as of 07/03/2025
$250,000 - $999,999.99
3.15%
$50,000.00
Interest rates updated as of 07/03/2025
$1,000,000+
3.25%
$50,000.00
Interest rates updated as of 07/03/2025
- A Business Priority Banking or Analyzed checking account is required.
- Minimum opening deposit of $50,000 directly into the MaxiMizer Account is required within 5 calendar days of opening through (1) a check drawn on another financial institution, (2) an external transfer from another financial institution; or (3) a wire transfer from another financial institution. A transfer of $50,000 from another First Hawaiian Bank account does not qualify. It will take up to three (3) business days for the MaxiMizer Prime rate to apply to the account, until then, the MaxiMizer rate will apply.
- MaxiMizer balance tiers stated in the Important Terms and Conditions and Schedule of Charges are amended as soon as the MaxiMizer Prime Rate is applied to your account. MaxiMizer Prime balance tiers will apply thereafter. Tiers will revert to the MaxiMizer balance tiers once MaxiMizer Prime Rate is removed.
Current Business MaxiMizer[[SM]] Rates
Balance Range
Balance Range
APY[[#27]]
APY[[#27]]
Minimum Opening Deposit
Minimum Opening Deposit
Less than $2,500
0.02%
$100.00
Interest rates updated as of 07/03/2025
$2,500 - $24,999.99
0.02%
$100.00
Interest rates updated as of 07/03/2025
$25,000 - $99,999.99
0.03%
$100.00
Interest rates updated as of 07/03/2025
$100,000 - $499,999.99
0.04%
$100.00
Interest rates updated as of 07/03/2025
$500,000 - $999,999.99
0.04%
$100.00
Interest rates updated as of 07/03/2025
$1,000,000+
0.05%
$100.00
Interest rates updated as of 07/03/2025
- Annual Percentage Yields (APYs) shown are accurate as of the date listed. The rates may change after the account is opened. Fees could reduce earnings on the account.
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