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Rate Schedule 

Rate Schedule 


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 $5,000
18-month
CD Special 3
2.25% 2.25% $5,000 $5,000
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 $5,000
18-month
CD Special 3
2.25% 2.25% $5,000 $5,000

  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).
  3. Limited time offer. Annual Percentage Yield (APY) is accurate as of September 26th, 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.

Certificates of Deposit (CD)1

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* 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 Balance* 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.

Exceptional Preferred Certificates of Deposit (CD)1,2

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
Exceptional Preferred CD - 6 month 0.08% 0.08% $500 $500
Exceptional Preferred CD - 12 month 0.13% 0.13% $500 $500
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
Exceptional Preferred CD - 6 month 0.08% 0.08% $500 $500
Exceptional Preferred CD - 12 month 0.13% 0.13% $500 $500

  1. A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.
  2. As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit.

Jumbo Certificates of Deposit (CD)1

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* 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 Balance* 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.

Smart Saver Certificates of Deposit1,2

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
12 months 0.08% 0.08% $1,000 $1,000
18 months 0.08% 0.08% $1,000 $1,000
36 months 0.13% 0.13% $1,000 $1,000
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
12 months 0.08% 0.08% $1,000 $1,000
18 months 0.08% 0.08% $1,000 $1,000
36 months 0.13% 0.13% $1,000 $1,000

  1. A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.
  2. The Smart Saver CD requires automatic deposits on the 22nd of each month from an eligible Central Pacific Bank account, and an end of term minimum amount of $5,000. To determine the minimum amount to transfer monthly, see branch for details. At maturity, Smart Saver CDs automatically close and funds are transferred to the same account that the deposits came from. If requirements are not met (i.e., the automatic deposits are stopped before maturity) the Smart Saver CD will be closed with penalties.

Individual Retirement Accounts (IRA)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
181 - 364 day IRA 0.02% 0.02% $500 $500
1 year IRA 0.04% 0.04% $500 $500
2 year IRA 0.06% 0.06% $100 $100
3 year IRA 0.08% 0.08% $100 $100
4 year IRA 0.08% 0.08% $100 $100
5 - 8 year IRA 0.13% 0.13% $100 $100
18 month Variable Rate IRA (5) 0.04% 0.04% $25 $25
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
181 - 364 day IRA 0.02% 0.02% $500 $500
1 year IRA 0.04% 0.04% $500 $500
2 year IRA 0.06% 0.06% $100 $100
3 year IRA 0.08% 0.08% $100 $100
4 year IRA 0.08% 0.08% $100 $100
5 - 8 year IRA 0.13% 0.13% $100 $100
18 month Variable Rate IRA (5) 0.04% 0.04% $25 $25

Exceptional Preferred Individual Retirement Accounts 1

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
Exceptional Preferred IRA - 6 month 0.08% 0.08% $500 $500
Exceptional Preferred IRA - 12 month 0.13% 0.13% $500 $500
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
Exceptional Preferred IRA - 6 month 0.08% 0.08% $500 $500
Exceptional Preferred IRA - 12 month 0.13% 0.13% $500 $500

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

Jumbo Individual Retirement Accounts (IRA)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
181 - 364 day Jumbo IRA 0.03 0.03% $100,000 $100,000
1 year Jumbo IRA 0.08% 0.08% $100,000 $100,000
2 year Jumbo IRA 0.08% 0.08% $100,000 $100,000
3 year Jumbo IRA 0.13% 0.13% $100,000 $100,000
4 year Jumbo IRA 0.13% 0.13% $100,000 $100,000
5 - 8 year Jumbo IRA 0.23% 0.23% $100,000 $100,000
18 month Variable Jumbo IRA 0.08% 0.08% $100,000 $100,000
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
181 - 364 day Jumbo IRA 0.03 0.03% $100,000 $100,000
1 year Jumbo IRA 0.08% 0.08% $100,000 $100,000
2 year Jumbo IRA 0.08% 0.08% $100,000 $100,000
3 year Jumbo IRA 0.13% 0.13% $100,000 $100,000
4 year Jumbo IRA 0.13% 0.13% $100,000 $100,000
5 - 8 year Jumbo IRA 0.23% 0.23% $100,000 $100,000
18 month Variable Jumbo IRA 0.08% 0.08% $100,000 $100,000

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