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Rates


 

Exceptional Preferred Certificate of Deposit (CD) Specials 1

Minimum $30,000 new funds from another institution, however your CD account may not exceed $1,000,000. Must have CPB Exceptional Checking Account. Limited Time Offer.

Annual Percentage Yield (APY) and Interest Rate Effective: 11/20/2023 and offered for limited time. Fees may reduce earnings on accounts.



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Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional CD Special 6 months3

5.00%

5.00%

$30,000

$30,000

Exceptional CD Special 12 months4

4.75%

4.75%

$30,000

$30,000

Interest
Rate

Annual
Percentage
Yield (APY)

Minimum Balance to
Open

Minimum Balance2 to
Earn Interest

Exceptional CD Special 6 months3

5.00%

5.00%

$30,000

$30,000

Exceptional CD Special 12 months4

4.75%

4.75%

$30,000

$30,000

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

Limited time offer. Annual Percentage Yield (APY) is accurate as of November 20, 2023. Minimum balance to obtain APY is $30,000. 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. A penalty will be imposed for early withdrawals and early closing of the CD. 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

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

3. $30,000 minimum balance in new money required from another Institution. All deposited funds must be new money from another financial institution and cannot contain any existing funds.

4. $30,000 minimum balance in new money required from another Institution.

 

 

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. 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. 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. 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. 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. 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. 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. 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. 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).

 

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/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 12/01/2023

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

5.875%

6.374%

1.750

20%

$837.12

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

5.875%

6.374%

1.750

20%

$837.12

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 $441.86

PLAN B

No Monthly Payment,
0% APR Introductory Rate.

72 Months with
Monthly Payments of $387.89

See below example for details, as of 12/01/2023

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

11.70%

$441.86

78

7.125%

Plan B

18

0.00%

$0

72

11.70%

$387.89

90

7.563%

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

11.70%

$441.86

78

7.125%

Plan B

18

0.00%

$0

72

11.70%

$387.89

90

7.563%

1 APR is accurate as of 12/01/2023 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: $75,000. 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: 12/01/2023

Foreign Currency

CPB "Sell" to Customer

Japanese Yen (JPY)

144.18

Australian Dollar (AUD)

0.6887

Canadian Dollar (CAD)

0.7700

European Union Euro (EUR)

1.1330

British Pound Sterling (GBP)

1.3164

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.