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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 are accurate as of :

View Personal Rates

 

Exceptional Preferred Certificate of Deposit (CD) Special1

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

1. As long as you are a business 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.)

 

 

Business Checking Products

Interest Rates and Annual Percentage Yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts. 

Performance Business Checking1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance2 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $2,499.99

0.02%

0.02%

$750

$0

Daily/Monthly

Tier 2 $2,500 - $249,999.99

0.02%

0.02%

$750

$2,500

Daily/Monthly

Tier 3 $250,000 - $999,999.99

0.02%

0.02%

$750

$250,000

Daily/Monthly

Tier 4 $1,000,000 - $2,499,999.99

0.04%

0.04%

$750

$1,000,000

Daily/Monthly

Tier 5 $2,500,000 & Over

0.04%

0.04%

$750

$2,500,000

Daily/Monthly

  1. The interest rate is determined by the balance tier and is paid on the entire balance of the account.
  2. 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).

 

Business Savings and Money Market 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. 

Business Savings

Interest
Rate

Annual
Percentage
Yield (APY)

 

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

 

Interest
Compounded/Paid

Business Savings

0.02%

0.02%

$100

$0

Daily/Quarterly

 

Business Super Savings

Interest Rates and Annual Percentage Yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts. 

Business Super Savings1

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

Interest
Compounded/Paid

Standard Rate

0.03%

0.03%

$100

$0

Daily/Monthly

Tier 1 $1-$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

0.05%

0.05%

$100

$25,000

Daily/Monthly

Tier 4 $100,000 & Over

0.06%

0.06%

$100

$100,000

Daily/Monthly

 

Business Money Market Savings

Business Money Market Savings2

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum
Balance to
Open

Minimum
Balance3 to
Earn Interest

Interest
Compounded/Paid

Tier 1 $0 - $19,999.99

0.03%

0.03%

$5,000

$0

Daily/Monthly

Tier 2 $20,000 - $49,999.99

0.04%

0.04%

$5,000

$20,000

Daily/Monthly

Tier 3 $50,000 - $99,999.99

0.04%

0.04%

$5,000

$50,000

Daily/Monthly

Tier 4 $100,000 - $249,999.99

0.05%

0.05%

$5,000

$100,000

Daily/Monthly

Tier 5 $250,000 - $999,999.99

0.05%

0.05%

$5,000

$250,000

Daily/Monthly

Tier 6 $1,000,000 & Over

0.06%

0.06%

$5,000

$1,000,000

Daily/Monthly

1. Our Business 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. The interest rate is determined by the balance tier and is paid on the entire balance of the account.

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