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).

[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).

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).

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).

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.

1. As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates 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 February 6th, 2023. Minimum balance to obtain APY is $10,000. 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.

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.

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).

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).

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).

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 February 6th, 2023. Minimum balance to obtain APY is $10,000. 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.

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).

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).

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.

¹ APR is accurate as of 03/01/2023 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.

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.