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Rates

Annual Percentage Yields and Interest Rates Effective: 12/09/2019
Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.

Consumer Exceptional Plan Checking 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 0.03% 0.03% $500 $0 Daily/Monthly
Tier 2 $10,000 - $49,999.99 0.03% 0.03% $500 $10,000 Daily/Monthly
Tier 3 $50,000 - $249,999.99 0.04% 0.04% $500 $50,000 Daily/Monthly
Tier 4 $250,000 & Over 0.05% 0.05% $500 $250,000 Daily/Monthly
Exceptional Choice Checking2 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* to
Earn Interest
Interest
Compounded/Paid
Standard Rate 0.02% 0.02% $500 $0 Daily/Monthly
Tier 1 $0 - $25,000 0.15% 0.15% $500 $0 Daily/Monthly
Tier 2 $25,000.01 & Over 0.02% 0.15%-0.05%* $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).

Consumer Checking Accounts

Value Plus Checking1 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* to
Earn Interest
Interest
Compounded/Paid
Standard Rate 0.02% 0.02% $50 $0 Daily/Monthly
Tier 1 $0 - $25,000 0.15% 0.15% $50 $0 Daily/Monthly
Tier 2 $25,000.01 & Over 0.02% 0.15%-0.05%* $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.

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

Certificates of Deposit (CD) Specials (CPB Checking or Savings Account is Required to Qualify for CD Specials)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
1 year CD Special 0.70% 0.70% $2,500.00 $2,500.00
2 year CD Special 0.85% 0.85% $2,500.00 $2,500.00
3 year CD Special 0.95% 0.95% $2,500.00 $2,500.00
5 year CD Special 1.15% 1.15% $2,500.00 $2,500.00
New Money 12 Month CD - funds must come from another financial institution, CPB checking or savings account required 1.20% 1.20% $10,000.00 $10,000.00

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

Certificates of Deposit (CD)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
7 - 31 day CD 0.03% 0.03% $500 $500
32 - 90 day CD 0.03% 0.03% $500 $500
91 - 180 day CD (3 months to less than 6 months) 0.03% 0.03% $500 $500
181 - 364 day CD (6 months to less than 1 year) 0.05% 0.05% $500 $500
12 - 23 month CD 0.10% 0.10% $500 $500
24 - 35 month CD 0.15% 0.15% $500 $500
36 - 47 month CD 0.25% 0.25% $500 $500
48 - 59 month CD 0.25% 0.25% $500 $500
5 - 8 year CD 0.55% 0.55% $500 $500

Exceptional Preferred Certificates of Deposit (CD)(1)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
Exceptional Preferred CD - 6 month 0.75% 0.75% $500 $500
Exceptional Preferred CD - 12 month 0.80% 0.80% $500 $500
  1. 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)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
7 - 31 day Jumbo CD 0.05% 0.05% $100,000 $100,000
32 - 90 day Jumbo CD 0.05% 0.05% $100,000 $100,000
91 - 180 day Jumbo CD 0.05% 0.05% $100,000 $100,000
181 - 364 day Jumbo CD 0.10% 0.10% $100,000 $100,000
12 - 23 month Jumbo CD 0.15% 0.15% $100,000 $100,000
24 - 35 month Jumbo CD 0.20% 0.20% $100,000 $100,000
36 - 47 month Jumbo CD 0.30% 0.30% $100,000 $100,000
48 - 59 month Jumbo CD 0.35% 0.35% $100,000 $100,000
5- 8 year Jumbo CD 0.60% 0.60% $100,000 $100,000

Smart Saver Certificates of Deposit (1)

  Interest
Rate
Annual
Percentage
Yield (APY)
Minimum Balance to
Open
Minimum Balance* to
Earn Interest
12 months 0.20% 0.20% $1,000 $1,000
18 months 0.20% 0.20% $1,000 $1,000
36 months 0.35% 0.35% $1,000 $1,000
  1. 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 0.05% 0.05% $500 $500
1 year IRA 0.10% 0.10% $500 $500
2 year IRA 0.15% 0.15% $100 $100
3 year IRA 0.25% 0.25% $100 $100
4 year IRA 0.25% 0.25% $100 $100
5 - 8 year IRA 0.55% 0.55% $100 $100
18 month Variable Rate IRA (5) 0.10% 0.10% $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 0.75% 0.75% $500 $500
Exceptional Preferred IRA - 12 month 0.80% 0.80% $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 0.10% 0.10% $100,000 $100,000
1 year Jumbo IRA 0.15% 0.15% $100,000 $100,000
2 year Jumbo IRA 0.20% 0.20% $100,000 $100,000
3 year Jumbo IRA 0.30% 0.30% $100,000 $100,000
4 year Jumbo IRA 0.35% 0.35% $100,000 $100,000
5 - 8 year Jumbo IRA 0.60% 0.60% $100,000 $100,000
18 month Variable Jumbo IRA 0.20% 0.20% $100,000 $100,000

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

Consumer Exceptional Plan Savings Accounts (1)

Exceptional Savings2 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* to
Earn Interest
Interest
Compounded/Paid
Tier 1 $0 - $19,999.99 0.04% 0.04% $500 $0 Daily/Monthly
Tier 2 $20,000 - $49,999.99 0.06% 0.06% $500 $20,000 Daily/Monthly
Tier 3 $50,000 - $74,999.99 0.08% 0.08% $500 $50,000 Daily/Monthly
Tier 4 $75,000 - $149,999.99 0.08% 0.08% $500 $75,000 Daily/Monthly
Tier 5 $150,000 - $249,999.99 0.08% 0.08% $500 $150,000 Daily/Monthly
Tier 6 $250,000 - $499,999.99 0.09% 0.09% $500 $250,000 Daily/Monthly
Tier 7 $500,000 - $999,999.99 0.09% 0.09% $500 $500,000 Daily/Monthly
Tier 8 $1,000,000 & Over 0.10% 0.10% $500 $1,000,000 Daily/Monthly
Exceptional Super Savings3 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* to
Earn Interest
Interest
Compounded/Paid
Standard Rate 0.03% 0.03% $100 $0 Daily/Monthly
Tier 1 $0 - $9,999.99 0.09% 0.09% $100 $0 Daily/Monthly
Tier 2 $10,000 - $24,999.99 0.10% 0.10% $100 $10,000 Daily/Monthly
Tier 3 $25,000 - $99,999.99 0.12% 0.12% $100 $25,000 Daily/Monthly
Tier 4 $100,000 & Over 0.20% 0.20% $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:
    1. 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
    2. 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.

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

Consumer Savings Accounts

Personal Savings Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* to
Earn Interest
Interest
Compounded/Paid
Personal Savings 0.02% 0.02% $100 $0 Daily/Quarterly
Personal Super Savings3 Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* to
Earn Interest
Interest
Compounded/Paid
Standard Rate 0.03% 0.03% $100 $0 Daily/Monthly
Tier 1 $0 - $9,999.99 0.05% 0.05% $100 $0 Daily/Monthly
Tier 2 $10,000 - $24,999.99 0.06% 0.06% $100 $10,000 Daily/Monthly
Tier 3 $25,000 - $99,999.99 0.08% 0.08% $100 $25,000 Daily/Monthly
Tier 4 $100,000 & Over 0.16% 0.16% $100 $100,000 Daily/Monthly
Starter Savings Interest
Rate
Annual
Percentage
Yield (APY)
Minimum
Balance to
Open
Minimum
Balance* 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:
    1. 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
    2. 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.

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

Mortgage Rates

Rates as of 12/13/2019

  Rates APR Points Down Payment Monthly Payment
(P & I)1
30-Year Fixed 3.500 3.755 1.875 20% 678.62
15-Year Fixed 2.750 3.119 1.375 20% 449.04

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 $726,525 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.

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