Central Pacific Bank savings and CD rates
Central Pacific Bank advertises up to 0.05% APY on its Exceptional Super Savings account. The 0.05% needs a balance of at least $100,000. Below that, the account advertises 0.04%.
A checking account at the bank is required. On a $10,000 balance the account earns 0.04% overall, about $4 in a year, which is 0.33 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #2338 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2508. The advertised rate has not changed in the 3 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
Estimate your earnings·What Central Pacific Bank actually pays
Central Pacific Bank at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 0.05% · Exceptional Super Savings · needs at least $100,000 · checking account required |
| Minimum to open | $100 · Exceptional Super Savings |
| Against the national average | 0.32 percentage points below the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.15% · 6 months · Exceptional Preferred CD Special 6 Month |
| Minimum to open | $20,000 · 6 months CD |
| Against the national average | 1.74 percentage points above the 1.41% FDIC 6-month CD average (Sep 2026) |
| FDIC certificate | 17308 · Honolulu, HI |
|---|---|
| Website | www.cpb.bank |
| Branches | 27 branches in HI |
| Availability | Available in HI |
Central Pacific Bank savings and CD rates
Personal
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Central Pacific Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 0.01% | $500 | 7 - 31 Day CD |
| not stated | 0.01% | $500 | 32 - 90 Day CD |
| not stated | 0.03% | $100,000 | 7 - 31 Day Jumbo CD |
| not stated | 0.03% | $100,000 | 32 - 90 Day Jumbo CD |
| 3-6 months | 0.01% | $500 | 91 - 180 Day CD |
| 3-6 months | 0.03% | $100,000 | 91 - 180 Day Jumbo CD |
| 6 months | 3.15% | $20,000 | Exceptional Preferred CD Special 6 Month |
| 6-12 months | 0.02% | $500 | 181 - 364 Day CD |
| 6-11 months | 0.08% | $500 | Exceptional Preferred CD 6-11 Month |
| 6-12 months | 0.03% | $100,000 | 181 - 364 Day Jumbo CD |
| 12-23 months | 0.04% | $500 | 12 - 23 Month CD |
| 12-23 months | 0.13% | $500 | Exceptional Preferred CD 12-23 Month |
| 12 months | 0.08% | $1,000 | Smart Saver CD 12 Month |
| 12-23 months | 0.08% | $100,000 | 12 - 23 Month Jumbo CD |
| 18 months | 0.08% | $1,000 | Smart Saver CD 18 Month |
| 24-35 months | 0.06% | $500 | 24 - 35 Month CD |
| 24-35 months | 0.08% | $100,000 | 24 - 35 Month Jumbo CD |
| 36-47 months | 0.08% | $500 | 36 - 47 Month CD |
| 36 months | 0.13% | $1,000 | Smart Saver CD 36 Month |
| 36-47 months | 0.13% | $100,000 | 36 - 47 Month Jumbo CD |
| 48-59 months | 0.08% | $500 | 48 - 59 Month CD |
| 48-59 months | 0.13% | $100,000 | 48 - 59 Month Jumbo CD |
| 60-96 months | 0.13% | $500 | 5 - 8 Year CD |
| 60-96 months | 0.23% | $100,000 | 5 - 8 Year Jumbo CD |
| IRA CDs | |||
| 6-12 months | 0.02% | $500 | 181 - 364 Day IRA |
| 6-11 months | 0.08% | $500 | Exceptional Preferred IRA 6-11 Month |
| 6 months | 3.15% | $20,000 | Exceptional Preferred IRA Special 6 Month |
| 12 months | 0.04% | $500 | 1 Year IRA |
| 12-23 months | 0.13% | $500 | Exceptional Preferred IRA 12-23 Month |
| 18 months | 0.04% | $25 | 18 Month Variable Rate IRA |
| 24 months | 0.06% | $100 | 2 Year IRA |
| 36 months | 0.08% | $100 | 3 Year IRA |
| 48 months | 0.08% | $100 | 4 Year IRA |
| 60-96 months | 0.13% | $100 | 5 - 8 Year IRA |
Interactive Tool
Calculate Savings for Central Pacific Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$14.90(0.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,014.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Central Pacific Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 0.05% needs a balance of at least $100,000. Below that, the account advertises 0.04%.
In Q2 2026, Central Pacific Bank paid a higher average rate on savings and money market deposits than 43% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Central Pacific Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Exceptional Super Savings | 0.05% | $100 | $0 | None | not stated | Checking account · direct deposit not stated | Tiered | |
| Personal Super Savings | 0.04% | $100 | $0 | None | not stated | not stated | Tiered | |
| Exceptional Savings | 0.03% | $500 | $0 | None | not stated | Checking account · direct deposit not stated | Tiered | |
| Personal Savings | 0.02% | $100 | $0 | None | not stated | not stated | One rate | |
| Starter Savings | 0.02% | $10 | $0 | None | not stated | not stated | One rate | |
| Fine print: The account can be opened for children from birth to age 17, and converts to a Personal Savings account on the child's 18th birthday. | ||||||||
Fine print for 2 products above: This account is available only to Central Pacific Bank Exceptional Plan customers.
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 7 - 31 Day CD | not stated | 0.01% | $500 | not stated | not stated |
| 32 - 90 Day CD | not stated | 0.01% | $500 | not stated | not stated |
| 7 - 31 Day Jumbo CD | not stated | 0.03% | $100,000 | not stated | not stated |
| 32 - 90 Day Jumbo CD | not stated | 0.03% | $100,000 | not stated | not stated |
| 91 - 180 Day CD | 3-6 months | 0.01% | $500 | not stated | not stated |
| 91 - 180 Day Jumbo CD | 3-6 months | 0.03% | $100,000 | not stated | not stated |
| Exceptional Preferred CD Special 6 Month | 6 months | 3.15% | $20,000 | not stated | not stated |
| 181 - 364 Day CD | 6-12 months | 0.02% | $500 | not stated | not stated |
| Exceptional Preferred CD 6-11 Month | 6-11 months | 0.08% | $500 | not stated | not stated |
| 181 - 364 Day Jumbo CD | 6-12 months | 0.03% | $100,000 | not stated | not stated |
| 12 - 23 Month CD | 12-23 months | 0.04% | $500 | not stated | not stated |
| Exceptional Preferred CD 12-23 Month | 12-23 months | 0.13% | $500 | not stated | not stated |
| Smart Saver CD 12 Month | 12 months | 0.08% | $1,000 | not stated | not stated |
| 12 - 23 Month Jumbo CD | 12-23 months | 0.08% | $100,000 | not stated | not stated |
| Smart Saver CD 18 Month | 18 months | 0.08% | $1,000 | not stated | not stated |
| 24 - 35 Month CD | 24-35 months | 0.06% | $500 | not stated | not stated |
| 24 - 35 Month Jumbo CD | 24-35 months | 0.08% | $100,000 | not stated | not stated |
| 36 - 47 Month CD | 36-47 months | 0.08% | $500 | not stated | not stated |
| Smart Saver CD 36 Month | 36 months | 0.13% | $1,000 | not stated | not stated |
| 36 - 47 Month Jumbo CD | 36-47 months | 0.13% | $100,000 | not stated | not stated |
| 48 - 59 Month CD | 48-59 months | 0.08% | $500 | not stated | not stated |
| 48 - 59 Month Jumbo CD | 48-59 months | 0.13% | $100,000 | not stated | not stated |
| 5 - 8 Year CD | 60-96 months | 0.13% | $500 | not stated | not stated |
| 5 - 8 Year Jumbo CD | 60-96 months | 0.23% | $100,000 | not stated | not stated |
| IRA CDs | |||||
| 181 - 364 Day IRA | 6-12 months | 0.02% | $500 | not stated | not stated |
| Exceptional Preferred IRA 6-11 Month | 6-11 months | 0.08% | $500 | not stated | not stated |
| Exceptional Preferred IRA Special 6 Month | 6 months | 3.15% | $20,000 | not stated | not stated |
| 1 Year IRA | 12 months | 0.04% | $500 | not stated | not stated |
| Exceptional Preferred IRA 12-23 Month | 12-23 months | 0.13% | $500 | not stated | not stated |
| 18 Month Variable Rate IRA | 18 months | 0.04% | $25 | not stated | not stated |
| 2 Year IRA | 24 months | 0.06% | $100 | not stated | not stated |
| 3 Year IRA | 36 months | 0.08% | $100 | not stated | not stated |
| 4 Year IRA | 48 months | 0.08% | $100 | not stated | not stated |
| 5 - 8 Year IRA | 60-96 months | 0.13% | $100 | not stated | not stated |
Fine print for 2 CDs above: Of the $20,000 minimum deposit, $10,000 must be new money from another institution. This limited time offer requires an Exceptional Checking account, and the balance may not exceed $1,000,000.
Fine print for 4 CDs above: This account is available only to Central Pacific Bank Exceptional Plan customers.
Fine print for 3 CDs above: Requires an automatic deposit on the 22nd of each month from an eligible CPB account, and a $5,000 minimum end-of-term balance. If deposits stop before maturity the account closes with penalties.
Opening and using the account
| Availability | Available in HI |
|---|---|
| Footprint | 27 branches in HI |
| Eligibility | not stated |
How Central Pacific Bank behaves over time
Every observation of the advertised Exceptional Super Savings rate in the last 12 months was 0.05% (observed through Oct 7, 2026). The series includes promotional tiers where one applied.
Central Pacific Bank has not changed its advertised savings rate in the 3 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
- Exceptional Super Savings
- The same as 30 days ago.
- 6 months CD
- Up 0.15 percentage points from 7 days ago.
- Rate last changed
- Oct 7, 2026(effective date)
$10,000 at the 0.05% APY Central Pacific Bank advertises on Exceptional Super Savings grows to $10,005 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,676 does today. See how the federal funds rate shapes savings rates.
Central Pacific Bank CD rates over time
Who is Central Pacific Bank?
| Headquarters | Honolulu, HI |
|---|---|
| Founded | 1954 |
| Scale | $7.5B assets · $6.7B deposits, $4.8B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 17308 |
| Charter state | Hawaii · one of 6 insured banks chartered there (Q2 2026, FDIC) |
| Size | 190th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 36% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Central Pacific Bank pays on deposits above.
Common questions about Central Pacific Bank
Is Central Pacific Bank FDIC insured?
Yes. Central Pacific Bank is FDIC insured under certificate 17308, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Central Pacific Bank?
Central Pacific Bank requires a minimum deposit of $100 to open its Exceptional Super Savings account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does the 0.05% apply to my whole balance?
The 0.05% needs a balance of at least $100,000. Below that, the account advertises 0.04%. A checking account at the bank is required. Rates are as observed on Oct 7, 2026.
Does Central Pacific Bank have branches?
Yes. Central Pacific Bank operates 27 branches according to FDIC branch records, in addition to its website and mobile apps.
Central Pacific Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Central Pacific Bank | 0.05% | 1.27% | $100 | 27 branches in HI |
| 1st Community Bank | 0.05% | 0.45% | not stated | 2 branches in IL |
| Arrow Bank National Association | 0.05% | 2.21% | $500 | 56 branches in NY |
| Bank of Franklin County | 0.05% | 0.50% | $25 | 6 branches in MO |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Central Pacific Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Hawaii, nearest to Central Pacific Bank in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.