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Rates


Preferred Certificate of Deposit Special (CD)1

(Minimum $15,000 new funds from another institution. Must have CPB Exceptional Checking Account.)

Annual Percentage Yield (APY) and Interest Rate Effective: 05/8/2023 and offered for limited time. Fees may reduce earnings on accounts.




LEARN MORE
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
Preferred CD Special 9 months3 3.85% 3.85% $15,000 $15,000
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
Preferred CD Special 9 months3 3.85% 3.85% $15,000 $15,000

  1. As long as you are an Exceptional Plan customer, you may open and maintain Preferred Certificate of Deposit.
  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 May 8, 2023. Minimum balance to obtain APY is $15,000. Customer may not have more than $1,000,000 in 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. Penalty will be imposed for early withdrawal. Offer is subject to change and is not combinable with other offers. Other restrictions may apply.

Cash First - Preferred Premium Certificate of Deposit (CD)1,3

(Minimum $25,000 new funds from another institution. Must have CPB Exceptional Checking Account. Annual Percentage Yield (APY) is in addition to the $1,000 cash up front.)



LEARN MORE
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
Premium CD - 24 month3 2.00% 2.00% $25,000 $25,000
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
Premium CD - 24 month3 2.00% 2.00% $25,000 $25,000

  1. As long as you are a consumer Exceptional Plan customer, you may open and maintain Preferred Premium Certificate of Deposit.
  2. This is the daily balance (i.e., the amount of principal in the account each day).
  3. Limited time offer. Limit to one Premium CD per customer where the customer is the primary owner of the CD. Annual Percentage Yield (APY) is accurate as of April 24, 2023. Minimum balance to obtain APY is $25,000 in new money. $1,000,000 maximum per customer. CD balance qualifies towards Exceptional Checking account required to participate. APY assumes interest will remain on deposit until maturity. Fees may reduce the earning on the CD account. Penalties will be imposed for early withdrawal. $1,000 bonus will be deposited into your Exceptional Checking account upon CD account opening. Offer is subject to change and is 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.

Consumer Exceptional Plan Checking Accounts

Annual Percentage Yields (APY) and Interest Rates Effective: 11/07/2022
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

Annual Percentage Yields (APY) and Interest Rates Effective: 11/07/2022 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

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 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

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. 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
  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).

Exceptional Preferred Certificates of Deposit (CD)1,3

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. 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 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 Balance2 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. 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.

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. 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. 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. 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

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. 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. 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).

Individual Retirement Accounts (IRA)1

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. 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

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 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 Balance2 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.
  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 $15,000 from another financial institution; Must have a CPB Exceptional Checking Account.)

Annual Percentage Yields and Interest Rates Effective: 05/8/2023 Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
Exceptional Preferred IRA - 9 month3 3.85% 3.85% $15,000 $15,000
  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance2 to
Earn Interest
Exceptional Preferred IRA - 9 month3 3.85% 3.85% $15,000 $15,000

  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 May 8, 2023. Minimum balance to obtain APY is $15,000 in new money. Customer may not have more than $1,000,000 in promo CDs. 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 withdrawal. Offer is subject to change and is not combinable with other offers. Other restrictions may apply.

Consumer Exceptional Plan Savings Accounts1

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 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

Annual Percentage Yields and Interest Rates Effective: 11/07/2022 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/Quarterly
Tier 1 $0 - $9,999.99 0.03% 0.03% $100 $0 Daily/Quarterly
Tier 2 $10,000 - $24,999.99 0.03% 0.03% $100 $10,000 Daily/Quarterly
Tier 3 $25,000 - $99,999.99 0.03% 0.03% $100 $25,000 Daily/Quarterly
Tier 4 $100,000 & Over 0.04% 0.04% $100 $100,000 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/Quarterly
Tier 1 $0 - $9,999.99 0.03% 0.03% $100 $0 Daily/Quarterly
Tier 2 $10,000 - $24,999.99 0.03% 0.03% $100 $10,000 Daily/Quarterly
Tier 3 $25,000 - $99,999.99 0.03% 0.03% $100 $25,000 Daily/Quarterly
Tier 4 $100,000 & Over 0.04% 0.04% $100 $100,000 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
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 06/01/2023
Fixed Rate Mortgages
  Rates APR Points Down Payment Monthly Payment
(P & I)1
30-Year Fixed 6.125% 6.453% 2.000 20% $607.61

15-Year Fixed 5.500% 5.989% 1.750 20% $817.08
Rates as of 06/01/2023
Fixed Rate Mortgages
  Rates APR Points Down Payment Monthly Payment
(P & I)1
30-Year Fixed 6.125% 6.453% 2.000 20% $607.61

15-Year Fixed 5.500% 5.989% 1.750 20% $817.08

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 $1,089,300 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.

PV Power Loan Tables

Based on a loan amount of $20,000

 

First 18 Months

After the first 18 months,
repayment terms of:

PLAN A

No Monthly Payment,
0% APR Introductory Rate.

60 Months with
Monthly Payments of $439.05

PLAN B

No Monthly Payment,
0% APR Introductory Rate.

72 Months with
Monthly Payments of $385.00

Based on a loan amount of $20,000

 

First 18 Months

After the first 18 months,
repayment terms of:

PLAN A

No Monthly Payment,
0% APR Introductory Rate.

60 Months with
Monthly Payments of $439.05

PLAN B

No Monthly Payment,
0% APR Introductory Rate.

72 Months with
Monthly Payments of $385.00

See below example for details, as of 06/01/2023

Loan amount of $20,000 Initial Terms
Repayment Terms
Life of Loan Term (months) Annual Percentage Rate1
Initial Term (months) Interest Rates Monthly Payment Repayment Term Interest Rate Monthly Payment Months
Plan A 18 0.00% $0 60 11.42% $439.05 78 6.960%
Plan B 18 0.00% $0 72 11.42% $385.00 90 7.389%
Loan amount of $20,000 Initial Terms
Repayment Terms
Life of Loan Term (months) Annual Percentage Rate1
Initial Term (months) Interest Rates Monthly Payment Repayment Term Interest Rate Monthly Payment Months
Plan A 18 0.00% $0 60 11.42% $439.05 78 6.960%
Plan B 18 0.00% $0 72 11.42% $385.00 90 7.389%

1 APR is accurate as of 06/01/2023 APR is based on a 0.25% discounted interest rate when payments are automatically made from a CPB checking account. If automatic loan payment is selected and later canceled, the interest rate will be increased by 0.25% and the monthly payment would increase. The loan amount cannot exceed the contract amount for the photovoltaic system (materials and labor, sales tax, extended manufacturer’s warranty) with a Central Pacific Bank participating photovoltaic contractor or company. Maximum loan amount: $50,000. Offer limited to Hawaii residents and Hawaii residential property (1-4 units). This loan program is subject to change or cancellation at any time without notice. Credit application required and subject to credit approval.

FOREIGN EXCHANGE RATES


Effective: 06/02/2023

Foreign Currency CPB "Sell" to Customer
Japanese Yen (JPY) 135.52
Australian Dollar (AUD) 0.6872
Canadian Dollar (CAD) 0.7757
European Union Euro (EUR) 1.1194
British Pound Sterling (GBP) 1.3024
Foreign Currency CPB "Sell" to Customer
Japanese Yen (JPY) 135.52
Australian Dollar (AUD) 0.6872
Canadian Dollar (CAD) 0.7757
European Union Euro (EUR) 1.1194
British Pound Sterling (GBP) 1.3024

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.