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Certificate of Deposit

Certificate of Deposit


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Certificate of Deposit

Central Pacific Bank offers regular and jumbo CD options with competitive interest rates and terms from seven days to eight years.

Certificates of Deposit (CD)1

Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance2 to Earn Interest
7 - 31 day CD 0.01% 0.01% $500 $500
32 - 90 day CD 0.01% 0.01% $500 $500
91 - 180 day CD (3 months to less than 6 months) 0.01% 0.01% $500 $500
181 - 364 day CD (6 months to less than 1 year) 0.02% 0.02% $500 $500
12 - 23 month CD 0.04% 0.04% $500 $500
24 - 35 month CD 0.06% 0.06% $500 $500
36 - 47 month CD 0.08% 0.08% $500 $500
48 - 59 month CD 0.08% 0.08% $500 $500
5 - 8 year CD 0.13% 0.13% $500 $500
Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance2 to Earn Interest
7 - 31 day CD 0.01% 0.01% $500 $500
32 - 90 day CD 0.01% 0.01% $500 $500
91 - 180 day CD (3 months to less than 6 months) 0.01% 0.01% $500 $500
181 - 364 day CD (6 months to less than 1 year) 0.02% 0.02% $500 $500
12 - 23 month CD 0.04% 0.04% $500 $500
24 - 35 month CD 0.06% 0.06% $500 $500
36 - 47 month CD 0.08% 0.08% $500 $500
48 - 59 month CD 0.08% 0.08% $500 $500
5 - 8 year CD 0.13% 0.13% $500 $500

  1. A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.
  2. This is the daily balance (i.e., the amount of principal in the account each day).

Certificates of Deposit (CD)1 Specials

(Minimum $5,000 new funds from another institution)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
9- month
CD Special 3
2.00% 2.00% $5,000.00 $5,000.00
18-month
CD Special 3
2.25% 2.25% $5,000.00 $5,000.00
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
9- month
CD Special 3
2.00% 2.00% $5,000.00 $5,000.00
18-month
CD Special 3
2.25% 2.25% $5,000.00 $5,000.00

  1. A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.
  2. This is the daily balance (i.e., the amount of principal in the account each day.
  3. Limited time offer. Annual Percentage Yield (APY) is accurate as of September 26,2022. A minimum deposit of $5,000 from another financial institution is required to obtain APY. The APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty may be imposed for early withdrawal. Offer is subject to change and is not combinable with other offers. Other restrictions may apply. 

Jumbo Certificates of Deposit (CD)1

Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance2 to Earn Interest
7 - 31 day Jumbo CD 0.03% 0.03% $100,000 $100,000
32 - 90 day Jumbo CD 0.03% 0.03% $100,000 $100,000
91 - 180 day Jumbo CD 0.03% 0.03% $100,000 $100,000
181 - 364 day Jumbo CD 0.03% 0.03% $100,000 $100,000
12 - 23 month Jumbo CD 0.08% 0.08% $100,000 $100,000
24 - 35 month Jumbo CD 0.08% 0.08% $100,000 $100,000
36 - 47 month Jumbo CD 0.13% 0.13% $100,000 $100,000
48 - 59 month Jumbo CD 0.13% 0.13% $100,000 $100,000
5- 8 year Jumbo CD 0.23% 0.23% $100,000 $100,000
Interest Rate Annual Percentage Yield (APY) Minimum Balance to Open Minimum Balance2 to Earn Interest
7 - 31 day Jumbo CD 0.03% 0.03% $100,000 $100,000
32 - 90 day Jumbo CD 0.03% 0.03% $100,000 $100,000
91 - 180 day Jumbo CD 0.03% 0.03% $100,000 $100,000
181 - 364 day Jumbo CD 0.03% 0.03% $100,000 $100,000
12 - 23 month Jumbo CD 0.08% 0.08% $100,000 $100,000
24 - 35 month Jumbo CD 0.08% 0.08% $100,000 $100,000
36 - 47 month Jumbo CD 0.13% 0.13% $100,000 $100,000
48 - 59 month Jumbo CD 0.13% 0.13% $100,000 $100,000
5- 8 year Jumbo CD 0.23% 0.23% $100,000 $100,000

  1. A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.
  2. This is the daily balance (i.e., the amount of principal in the account each day).

Jumbo Certificates of Deposit (CD) Specials

(Minimum $5,000 new funds from another institution)

Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
9 month CD Special 2.00% 2.00% $100,000 $100,000
18 month CD Special 2.25% 2.25% $100,000 $100,000
Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
9 month CD Special 2.00% 2.00% $100,000 $100,000
18 month CD Special 2.25% 2.25% $100,000 $100,000

  1. A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.

Large Jumbo Certificates Of Deposit

Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
7 - 31 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
32 - 90 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
91 - 180 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
181 - 364 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
12 - 23 month Large Jumbo CD 0.08% 0.08% $250,000 $250,000
24 - 35 month Large Jumbo CD 0.08% 0.08% $250,000 $250,000
36 - 47 month Large Jumbo CD 0.13% 0.13% $250,000 $250,000
48 - 59 month Large Jumbo CD 0.13% 0.13% $250,000 $250,000
5 - 8 year Large Jumbo CD 0.23% 0.23% $250,000 $250,000
Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
7 - 31 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
32 - 90 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
91 - 180 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
181 - 364 day Large Jumbo CD 0.03% 0.03% $250,000 $250,000
12 - 23 month Large Jumbo CD 0.08% 0.08% $250,000 $250,000
24 - 35 month Large Jumbo CD 0.08% 0.08% $250,000 $250,000
36 - 47 month Large Jumbo CD 0.13% 0.13% $250,000 $250,000
48 - 59 month Large Jumbo CD 0.13% 0.13% $250,000 $250,000
5 - 8 year Large Jumbo CD 0.23% 0.23% $250,000 $250,000

* This is the daily balance (i.e., the amount of principal in the account each day).

Large Jumbo Certificates of Deposit (CD) Specials

(Minimum $5,000 new funds from another institution)

Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
9 month Large Jumbo CD 2.00% 2.00% $250,000 $250,000
18 month Large Jumbo CD 2.25% 2.25% $250,000 $250,000
Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
9 month Large Jumbo CD 2.00% 2.00% $250,000 $250,000
18 month Large Jumbo CD 2.25% 2.25% $250,000 $250,000

* This is the daily balance (i.e., the amount of principal in the account each day).

1As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit.