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Certificate of Deposits and Individual Retirement Accounts

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Certificates of Deposit (CD)

Certificates of Deposit (CD)

Earn a higher rate of interest than with a typical savings account.

See current rates
IRAs (Individual Retirement Accounts)<sup>1</sup>

IRAs (Individual Retirement Accounts)1

Make contributions today and you could defer taxes until retirement.

Traditional IRA

A traditional IRA is a tax-deferred retirement savings account which means money that you deposit and the interest you earn are not taxed until you make withdrawals in retirement. Deferring taxes allows an IRA to grow faster because all your contributions and earnings can compound each year without being hindered by taxes.

Roth IRA

If a Traditional IRA seems too restrictive, a Roth IRA may be more suitable. It's available to more people, allows couples to contribute more, grants greater flexibility with withdrawals, and offers better tax benefits. You can even convert your existing IRA to a Roth IRA (consult with your tax advisor).

  • Tax-Free Earnings
  • Tax-Free Withdrawals
  • No Mandatory Withdrawals. You can continue to earn tax-free income because you are never required to take a distribution from a Roth IRA, even if you are over age 70½.
  • First Home Purchase Withdrawal. You can withdraw up to $10,000 from your account Federal tax-free and IRS penalty-free for the purchase of a first home (account must be open for at least 5 years).

For more information, visit any Central Pacific Bank branch or call our Customer Service Center at (808) 544-0500 or toll-free at 1-800-342-8422.

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