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Rates


Interest rates and annual percentage yields are subject to change without notice. Fees may reduce earnings on accounts. If you would like more information or have questions about this rate schedule, please contact our Customer Service Center at 808-544-0500.

Annual Percentage Yields and Interest Rates effective as of :

To view other rates we offer, see product list below:

View Business Rates

 

Exceptional Preferred Certificate of Deposit (CD) Special 1

Limited Time Offer.

Minimum $20,000 new funds from another institution, however your CD account may not exceed $1,000,000. Must have CPB Exceptional Checking Account. Limited Time Offer.



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Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional CD Special 6 months1

4.60%

4.60%

$20,000

$20,000

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional CD Special 6 months1

4.60%

4.60%

$20,000

$20,000

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

Limited time offer. The minimum balance required to open and obtain is $20,000 and must be new money from another financial institution. Customer may not have more than $1,000,000 in the CD. An Exceptional Checking account is required to open the CD. CD qualifies towards Exceptional Checking balance. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals. Offers are subject to change and are not combinable with other offers. Other restrictions may apply. All CPB CD specials are FDIC insured, up to $250,000 per category. Full list of rates available at cpb.bank/rates/personal

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

 

 

Consumer Exceptional Plan Checking Accounts

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Exceptional Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $9,999.99

0.01%

0.01%

$500

$0

Daily/Monthly

Tier 2 $10,000 - $49,999.99

0.01%

0.01%

$500

$10,000

Daily/Monthly

Tier 3 $50,000 - $249,999.99

0.02%

0.02%

$500

$50,000

Daily/Monthly

Tier 4 $250,000 & Over

0.03%

0.03%

$500

$250,000

Daily/Monthly

Exceptional Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $9,999.99

0.01%

0.01%

$500

$0

Daily/Monthly

Tier 2 $10,000 - $49,999.99

0.01%

0.01%

$500

$10,000

Daily/Monthly

Tier 3 $50,000 - $249,999.99

0.02%

0.02%

$500

$50,000

Daily/Monthly

Tier 4 $250,000 & Over

0.03%

0.03%

$500

$250,000

Daily/Monthly

Exceptional Choice Checking2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$500

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$500

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%3

$500

$25,000.01

Daily/Monthly

Exceptional Choice Checking2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$500

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$500

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%3

$500

$25,000.01

Daily/Monthly

  1. The interest rate is determined by the balance tier and is paid on the entire balance of the account.
  2. Our Exceptional Choice Checking account has a special feature that pays a higher interest rate and APY on
    Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

    -15 or more debit card transactions (point of-sale purchases) post to your account during the month (ATM transactions do not qualify);

    -A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments (transfers from one account to another do not qualify); and,

    -Maintain our Check Safekeeping service on your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).

    When you meet all the transaction requirements depending on your balance two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.

  3. The APYs shown are for representative balances of $25,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate.
  4. This is the daily balance (i.e., the amount of principal in the account each day).

 

Shaka Checking Account

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Balance Tiers

Base Interest Rate

Reward Interest Rate1

Annual Percentage Yield (APY)

Minimum Balance to Open

Minimum Balance2 to Earn Interest

Interest Compounded / Paid

Standard Rate

0.03%

-

0.03%

$25

$0

Daily / Monthly

Tier 1
$0 - $20,000

0.03%

0.97%

1.00%

$25

$0

Daily / Monthly (Base)

Monthly / Monthly (Reward)

Tier 2
$20,000.01 & Over

0.03%

-

1.00% - 0.21%3

$25

$20,000.01

Daily / Monthly

Balance Tiers

Base Interest Rate

Reward Interest Rate1

Annual Percentage Yield (APY)

Minimum Balance to Open

Minimum Balance2 to Earn Interest

Interest Compounded / Paid

Standard Rate

0.03%

-

0.03%

$25

$0

Daily / Monthly

Tier 1
$0 - $20,000

0.03%

0.97%

1.00%

$25

$0

Daily / Monthly (Base)

Monthly / Monthly (Reward)

Tier 2
$20,000.01 & Over

0.03%

-

1.00% - 0.21%3

$25

$20,000.01

Daily / Monthly

[1] Our Shaka account has a special feature that pays a higher interest rate (Reward Interest Rate) and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

1. 15 or more debit card transactions (point of-sale purchases) post to your account during the month totaling $75 or more (ATM transactions do not qualify); and

2. A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments of $25 or more (transfers from one account to another do not qualify). 

When you meet all the transaction requirements, depending on your account balance, two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the Standard Rate Tier noted above will apply to your entire balance. The maximum monthly Reward Interest Rate earnings is $17.

 

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

 

[3] The APYs shown are for representative balances of $20,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate. Specifically, if you meet all the transaction requirements above during a calendar month, an APY of 1.00% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000:

  • An APY of 1.00% would apply to the first $20,000 of the total account balance; and
  • An APY of 0.03% would apply to any portion of the account balance in excess of $20,000 (i.e., is equal to or greater than $20,000.01).

 

 

Consumer Checking Accounts

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Value Plus Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$50

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$50

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%2

$50

$25,000.01

Daily/Monthly

Value Plus Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.02%

0.02%

$50

$0

Daily/Monthly

Tier 1 $0 - $25,000

0.10%

0.10%

$50

$0

Daily/Monthly

Tier 2 $25,000.01 & Over

0.02%

0.10%-0.05%2

$50

$25,000.01

Daily/Monthly

  1. Our Value Plus Checking account has a special feature that pays a higher interest rate and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:

-15 or more debit card transactions (point of-sale purchases) post to your account during the month (ATM transactions do not qualify);

-A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments (transfers from one account to another do not qualify); and,

-Maintain our Check Safekeeping service on your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).

When you meet all the transaction requirements depending on your balance two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.

2.  The APYs shown are for representative balances of $25,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate.

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

Certificates of Deposit (CD)1

Fees may reduce earnings on accounts.

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. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
  2. This is the daily balance (i.e., the amount of principal in the account each day).

 

Exceptional Preferred Certificates of Deposit (CD)1,3

Fees may reduce earnings on accounts.

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional Preferred CD 6-11 month

0.08%

0.08%

$500

$500

Exceptional Preferred CD 12-23 month

0.13%

0.13%

$500

$500

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional Preferred CD 6-11 month

0.08%

0.08%

$500

$500

Exceptional Preferred CD 12-23 month

0.13%

0.13%

$500

$500

  1. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
  2. This is the daily balance (i.e., the amount of principal in the account each day).
  3. As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit.

 

Smart Saver Certificates of Deposit1, 3

The Smart Saver CD requires automatic deposits on the 22nd of each month from an eligible Central Pacific Bank account.

Fees may reduce earnings on accounts.

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Minimum End-of-Term Balance

12 months

0.08%

0.08%

$1,000

$1,000

$5,000

18 months

0.08%

0.08%

$1,000

$1,000

$5,000

36 months

0.13%

0.13%

$1,000

$1,000

$5,000

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Minimum End-of-Term Balance

12 months

0.08%

0.08%

$1,000

$1,000

$5,000

18 months

0.08%

0.08%

$1,000

$1,000

$5,000

36 months

0.13%

0.13%

$1,000

$1,000

$5,000

  1. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
  2. This is the daily balance (i.e., the amount of principal in the account each day).
  3. 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.

 

Jumbo Certificates of Deposit (CD)1

Fees may reduce earnings on accounts.

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. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.  
  2. This is the daily balance (i.e., the amount of principal in the account each day).

 

Individual Retirement Accounts (IRA)1

Fees may reduce earnings on accounts.

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 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 (1)

0.04%

0.04%

$25

$25

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 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 (1)

0.04%

0.04%

$25

$25

  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).

 

Exceptional Preferred Individual Retirement Accounts 1

Fees may reduce earnings on accounts. Penalty will be imposed for early withdrawl.

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional Preferred IRA 6-11 month

0.08%

0.08%

$500

$500

Exceptional Preferred IRA 12-23 month

0.13%

0.13%

$500

$500

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional Preferred IRA 6-11 month

0.08%

0.08%

$500

$500

Exceptional Preferred IRA 12-23 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.
  2. This is the daily balance (i.e., the amount of principal in the account each day).

 

Exceptional Preferred Individual Retirement Accounts Specials1

(A minimum deposit of $20,000 from another financial institution; Must have a CPB Exceptional Checking Account.)

Annual Percentage Yields and Interest Rates Effective: 2/4/2024.

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional Preferred IRA - 6 month3

4.60%

4.60%

$20,000

$20,000

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional Preferred IRA - 6 month3

4.60%

4.60%

$20,000

$20,000

  1. As long as you are an Exceptional Plan customer, you may open and maintain Preferred IRAs.
  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 February 4, 2024. Minimum balance to obtain APY is $20,000. Customer may not have more than $1,000,000 in the IRA. IRA qualifies towards Exceptional Checking balance. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the IRA account. Penalty will be imposed for early withdrawal. Offer is subject to change and is not combinable with other offers. Other restrictions may apply. All CPB IRA specials are FDIC insured, up to $250,000 per category. Full list of rates available at cpb.bank/rates/personal

 

Consumer Exceptional Plan Savings Accounts1

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Exceptional Savings2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $19,999.99

0.02%

0.02%

$500

$0

Daily/Quarterly

Tier 2 $20,000 - $49,999.99

0.02%

0.02%

$500

$20,000

Daily/Quarterly

Tier 3 $50,000 - $74,999.99

0.03%

0.03%

$500

$50,000

Daily/Quarterly

Tier 4 $75,000 - $149,999.99

0.03%

0.03%

$500

$75,000

Daily/Quarterly

Tier 5 $150,000 - $249,999.99

0.03%

0.03%

$500

$150,000

Daily/Quarterly

Tier 6 $250,000 - $499,999.99

0.03%

0.03%

$500

$250,000

Daily/Quarterly

Tier 7 $500,000 - $999,999.99

0.03%

0.03%

$500

$500,000

Daily/Quarterly

Tier 8 $1,000,000 & Over

0.03%

0.03%

$500

$1,000,000

Daily/Quarterly

Exceptional Savings2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $19,999.99

0.02%

0.02%

$500

$0

Daily/Quarterly

Tier 2 $20,000 - $49,999.99

0.02%

0.02%

$500

$20,000

Daily/Quarterly

Tier 3 $50,000 - $74,999.99

0.03%

0.03%

$500

$50,000

Daily/Quarterly

Tier 4 $75,000 - $149,999.99

0.03%

0.03%

$500

$75,000

Daily/Quarterly

Tier 5 $150,000 - $249,999.99

0.03%

0.03%

$500

$150,000

Daily/Quarterly

Tier 6 $250,000 - $499,999.99

0.03%

0.03%

$500

$250,000

Daily/Quarterly

Tier 7 $500,000 - $999,999.99

0.03%

0.03%

$500

$500,000

Daily/Quarterly

Tier 8 $1,000,000 & Over

0.03%

0.03%

$500

$1,000,000

Daily/Quarterly

Exceptional Super Savings3

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 1 $0 - $9,999.99

0.04%

0.04%

$100

$0

Daily/Monthly

Tier 2 $10,000 - $24,999.99

0.04%

0.04%

$100

$10,000

Daily/Monthly

Tier 3 $25,000 - $99,999.99

0.04%

0.04%

$100

$25,000

Daily/Monthly

Tier 4 $100,000 & Over

0.05%

0.05%

$100

$100,000

Daily/Monthly

Exceptional Super Savings3

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance4 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 1 $0 - $9,999.99

0.04%

0.04%

$100

$0

Daily/Monthly

Tier 2 $10,000 - $24,999.99

0.04%

0.04%

$100

$10,000

Daily/Monthly

Tier 3 $25,000 - $99,999.99

0.04%

0.04%

$100

$25,000

Daily/Monthly

Tier 4 $100,000 & Over

0.05%

0.05%

$100

$100,000

Daily/Monthly

  1. As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Super Savings and Exceptional Savings accounts.
  2. The interest rate is determined by the balance tier and is paid on the entire balance of the account.
  3. Our Exceptional Super Savings account has a special feature that pays a higher interest rate and APY if ALL of the following transaction requirements are met during the calendar month:

-One deposit of $25.00 or more made during the calendar month. If the deposit is made by automatic transfer from a CPB deposit account or an account at another financial institution, the automatic transfer must be scheduled no later than the 25th of the month, and

-No withdrawal is made during the calendar month.

When you meet all transaction requirements, the entire balance in your account will be paid interest according to the tier that your account balance matches; see the current interest rates above. If your Account does not meet the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.

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

 

Consumer Savings Accounts

Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Personal Savings

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Personal Savings

0.02%

0.02%

$100

$0

Daily/Quarterly

Personal Savings

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Personal Savings

0.02%

0.02%

$100

$0

Daily/Quarterly

Personal Super Savings1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 1 $0 - $9,999.99

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 2 $10,000 - $24,999.99

0.03%

0.03%

$100

$10,000

Daily/Monthly

Tier 3 $25,000 - $99,999.99

0.03%

0.03%

$100

$25,000

Daily/Monthly

Tier 4 $100,000 & Over

0.04%

0.04%

$100

$100,000

Daily/Monthly

Personal Super Savings1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 1 $0 - $9,999.99

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 2 $10,000 - $24,999.99

0.03%

0.03%

$100

$10,000

Daily/Monthly

Tier 3 $25,000 - $99,999.99

0.03%

0.03%

$100

$25,000

Daily/Monthly

Tier 4 $100,000 & Over

0.04%

0.04%

$100

$100,000

Daily/Monthly

Starter Savings

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Starter Savings

0.02%

0.02%

$10

$0

Daily/Quarterly

Starter Savings

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Starter Savings

0.02%

0.02%

$10

$0

Daily/Quarterly

  1. Our Personal Super Savings account has a special feature that pays a higher interest rate and APY if ALL of the following transaction requirements are met during the calendar month:

    -One deposit of $25.00 or more made during the calendar month. If the deposit is made by automatic transfer from a CPB deposit account or an account at another financial institution, the automatic transfer must be scheduled no later than the 25th of the month, and

    -No withdrawal is made during the calendar month.

    When you meet all transaction requirements, the entire balance in your account will be paid interest according to the tier that your account balance matches; see the current interest rates above. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.

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

Mortgage Rates

Rates as of 03/18/2024

Fixed Rate Mortgages

Rates

APR

Points

Down Payment

Monthly Payment
(P & I)1

30-Year Fixed

6.500%

6.826%

1.875

20%

$632.07

15-Year Fixed

5.625%

6.199%

2.250

20%

$823.73

Rates

APR

Points

Down Payment

Monthly Payment
(P & I)1

30-Year Fixed

6.500%

6.826%

1.875

20%

$632.07

15-Year Fixed

5.625%

6.199%

2.250

20%

$823.73

1Monthly principal and interest payment per $100,000 borrowed. Payment does not include property taxes or insurance which will increase monthly payments. This calculation is for an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of HI with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $1,149,825 for a single-family dwelling. 

Each residential mortgage loan requires a credit application and is subject to credit approval.

The Nationwide Mortgage Licensing System (NMLS) and Registry offers consumers the ability to confirm that the bank, mortgage company and/or mortgage loan originators with whom they wish to conduct business is authorized to conduct mortgage business in their state. To access this free service, go to: http://www.nmlsconsumeraccess.org/.
View a listing of our Mortgage Loan Originators and their NMLS numbers.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

FOREIGN EXCHANGE RATES

Effective: 03/18/2024

Foreign Currency

CPB "Sell" to Customer

Japanese Yen (JPY)

145.40

Australian Dollar (AUD)

0.6831

Canadian Dollar (CAD)

0.7702

European Union Euro (EUR)

1.1328

British Pound Sterling (GBP)

1.3251

Important information about exchange rates:
Exchange rates shown above are indicators only and subject to change without notice. Rates may be different when exchanging foreign currency for U.S. dollars.