What are the current interest rates at Central Pacific Bank?

Current rates for Central Pacific Bank include: 12-Month CD: 0.04%, 18-Month CD: 0.08%, 24-Month CD: 0.04%, 36-Month CD: 0.06%, 48-Month CD: 0.08%, 60-Month CD: 0.08%, Savings: 0.05%

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Central Pacific Bank Rates & Review November 2026

Q: What CD terms does Central Pacific Bank offer?

Central Pacific Bank CD rates are 0.08% APY for an 11 month CD, 0.04% APY for a 12 month CD, 0.08% APY for an 18 month CD, 0.13% APY for a 23 month CD, 0.04% APY for a 2 year CD, 0.13% APY for a 3 year CD, 0.08% APY for a 47 month CD, 0.08% APY for a 4 year CD, 0.08% APY for a 59 month CD and 0.08% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Central Pacific Bank for its full lineup.

Q: How many branches does Central Pacific Bank operate?

Central Pacific Bank currently maintains approximately 27 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Central Pacific Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Central Pacific Bank's 12-23-Months Exceptional Preferred CD 12-23-Month rates are at 0.13%, Smart Saver CD - 36-Month rates are at 0.13%, 36-47-Months CD (CD) - 36 - 47-Month CD rates are at 0.08%, 48-59-Months CD (CD) - 48 - 59-Month CD rates are at 0.08%, 6-11-Months Exceptional Preferred CD 6-11-Month rates are at 0.08%. Central Pacific Bank's savings rates are at 0.05%. Central Pacific Bank's checking rates are as high as 1.00%. Central Pacific Bank's 15-Year Fixed rates are at 5.875%, Jumbo 30-Year Fixed rates are at 6.625%, 30-Year Fixed rates are at 6.625%. Central Pacific Bank's top CD rate of 3.15% APY on a 6 month CD is 12% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Central Pacific Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.64%. Rates last updated and verified on 11/05/2026.

Central Pacific Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Central Pacific Bank? Share your experience about Central Pacific Bank by leaving a review below, or read customer reviews before you decide to use Central Pacific Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Central Pacific Bank

220 S King St
Honolulu, HI 96813

https://www.cpb.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Central Pacific Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
6-Month Exceptional CD Special	3.15%	3.15%	6 months	$20,000
Min Deposit $20,000 Min Balance $20,000 Details Limited time offer; $10,000 of the $20,000 must be new money from another financial institution to obtain APY; requires CPB Exceptional Checking account; maximum $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6-Month Exceptional Preferred CD (CD) Special	3.15%	3.15%	6 months	$20,000
Min Deposit $20,000 Min Balance $20,000 Details Limited time offer; $10,000 of the $20,000 minimum must be new money from another financial institution to obtain APY; Customer may not exceed $1,000,000 in the CD; Requires CPB Exceptional Checking Account Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
36 - 47-month Jumbo CD	0.13%	0.13%	36-47 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
48 - 59-month Jumbo CD	0.13%	0.13%	48-59 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred CD 12-23-month	0.13%	0.13%	12-23 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to earn interest; As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit. Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA 12-23-month	0.13%	0.13%	12-23 months	$500
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA certificate; Minimum Balance to Open: $500; Minimum Balance to Earn Interest: $500 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.13% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Smart Saver CD - 36-month	0.13%	0.13%	36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum End-of-Term Balance: $5,000; Requires automatic deposits on the 22nd of each month from an eligible Central Pacific Bank account Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.13% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
12 - 23-month Jumbo CD	0.08%	0.08%	12-23 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
24 - 35-month Jumbo CD	0.08%	0.08%	24-35 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
3-year IRA	0.08%	0.08%	3 year	$100
Min Deposit $100 Min Balance $100 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
4-year IRA	0.08%	0.08%	4 year	$100
Min Deposit $100 Min Balance $100 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.08% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 36 - 47-month CD	0.08%	0.08%	36-47 months	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 48 - 59-month CD	0.08%	0.08%	48-59 months	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred CD 6-11-month	0.08%	0.08%	6-11 months	$500
Min Deposit $500 Min Balance $500 Details Balance: $500 minimum to earn interest; As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit. Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Preferred IRA 6-11-month	0.08%	0.08%	6-11 months	$500
Min Deposit $500 Min Balance $500 Details Traditional/Roth IRA certificate; Minimum Balance to Open: $500; Minimum Balance to Earn Interest: $500 Last Updated 11/05/2026 Rate History No change since Oct 2, 2026 · 0.08% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Smart Saver CD - 12-month	0.08%	0.08%	12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum End-of-Term Balance: $5,000; Requires automatic deposits on the 22nd of each month from an eligible Central Pacific Bank account Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Smart Saver CD - 18-month	0.08%	0.08%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Minimum End-of-Term Balance: $5,000; Requires automatic deposits on the 22nd of each month from an eligible Central Pacific Bank account Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
2-year IRA	0.06%	0.06%	2 year	$100
Min Deposit $100 Min Balance $100 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.06% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 24 - 35-month CD	0.06%	0.06%	24-35 months	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
1-year IRA	0.04%	0.04%	1 year	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 12 - 23-month CD	0.04%	0.04%	12-23 months	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
181 - 364 day Jumbo CD	0.03%	0.03%	181 - 364 day	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
32 - 90 day Jumbo CD	0.03%	0.03%	32 - 90 day	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
7 - 31 day Jumbo CD	0.03%	0.03%	7 - 31 day	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
91 - 180 day Jumbo CD	0.03%	0.03%	91 - 180 day	$100,000
Min Deposit $100,000 Min Balance $100,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
6-month 181 - 364 day CD (6-month to less than 1-year)	0.02%	0.02%	6 Months	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 181 - 364 day CD	0.02%	0.02%	181 - 364 days	$500
Min Deposit $500 Min Balance $500 Details 6 months to less than 1 year Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
3-month 91 - 180 day CD (3-month to less than 6-month)	0.01%	0.01%	3 Months	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 32 - 90 day CD	0.01%	0.01%	32 - 90 days	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 7 - 31 day CD	0.01%	0.01%	7 - 31 days	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
CD (CD) - 91 - 180 day CD	0.01%	0.01%	91 - 180 days	$500
Min Deposit $500 Min Balance $500 Details 3 months to less than 6 months Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Savings Rates

Product	Rate	APY
Exceptional Super Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details Exceptional Super Savings; Balance: $100,000 and over; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details Exceptional Super Savings; Balance: $0 - $9,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details Exceptional Super Savings; Balance: $10,000 - $24,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details Exceptional Super Savings; Balance: $25,000 - $99,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $9,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings	0.04%	0.04%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 & Over; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.04% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.03%	0.03%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $74,999.99; Tier 3; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.03%	0.03%
Min Deposit $500 Min Balance $75,000 Details Balance: $75,000 - $149,999.99; Tier 4; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.03%	0.03%
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000 - $249,999.99; Tier 5; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Tier 6; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.03%	0.03%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Tier 7; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.03%	0.03%
Min Deposit $500 Min Balance $1,000,000 Details Balance: $1,000,000 & Over; Tier 8; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Super Savings	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Exceptional Super Savings; Standard Rate; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.04% → 0.03% ▼ 0.01 pts · high 0.04% / low 0.03% Oct 20, 20260.03%▼ from 0.04% Sep 18, 20260.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Super Savings - Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.02%	0.02%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $19,999.99; Tier 1; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Consumer Exceptional Plan Savings Accounts	0.02%	0.02%
Min Deposit $500 Min Balance $20,000 Details Balance: $20,000 - $49,999.99; Tier 2; Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Personal Savings	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Starter Savings	0.02%	0.02%
Min Deposit $10 Min Balance $0 Details Interest Compounded/Paid: Daily/Quarterly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Checking Rates

Product	Rate	APY
Shaka Checking Account	0.97%	1.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $20,000; Base Interest Rate: 0.03%; Reward Interest Rate: 0.97%; Interest Compounded/Paid: Daily / Monthly (Base), Monthly / Monthly (Reward) Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.03% → 1.00% ▲ 0.97 pts · high 1.00% / low 0.03% Oct 14, 20261.00%▲ from 0.03% Sep 18, 20260.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Choice Checking	0.10%	0.10%
Min Deposit $500 Min Balance $0 Details Qualifications Required; Balance: $0 - $25,000; Tier rate paid on Tier 1 balance when all requirements are met (ATM transactions do not qualify for debit card count); Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Value Plus Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $25,000; Interest Compounded/Paid: Daily/Monthly; Source table heading: Value Plus Checking Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 & Over; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Shaka Checking Account - Standard Rate	0.03%	0.03%
Min Deposit $25 Min Balance $0 Details Balance: Standard Rate (no balance tier); Interest Compounded/Paid: Daily / Monthly Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.02%	0.02%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $249,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Choice Checking - Standard Rate	0.02%	0.02%
Min Deposit $500 Min Balance $0 Details Standard rate applies to entire balance if transaction requirements are not met; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Value Plus Checking - Standard Rate	0.02%	0.02%
Min Deposit $50 Min Balance $0 Details Interest Compounded/Paid: Daily/Monthly; Source table heading: Value Plus Checking Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.01%	0.01%
Min Deposit $500 Min Balance $0 Details Balance: $0 - $9,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional Checking	0.01%	0.01%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Interest Compounded/Paid: Daily/Monthly Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	5.875%	2.000	6.482%	15 years
Details Mortgage rates as of 11/05/2026; Down Payment: 20%; Maximum loan amount is $1,249,125 for a single-family dwelling Last Updated 11/05/2026 Rate History 2 changes since Oct 7, 2026 · 6.93% → 6.48% ▼ 0.45 pts · high 6.93% / low 6.48% Nov 5, 20266.48%▼ from 6.80% Oct 20, 20266.80%▼ from 6.93% Oct 7, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Jumbo 30-Year Fixed	6.625%	1.50	6.916%	30 years
Details Mortgage rates as of 11/05/2026; Down Payment: 20%; Loan amounts greater than $1,249,125 for a single-family dwelling Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 6.66% → 6.92% ▲ 0.26 pts · high 7.30% / low 6.66% Nov 5, 20266.92%▼ from 7.17% Oct 26, 20267.17%▼ from 7.30% Oct 7, 20267.30%▲ from 6.79% Sep 18, 20266.79%▲ from 6.66% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
30-Year Fixed	6.625%	2.000	6.967%	30 years
Details Mortgage rates as of 11/05/2026; Down Payment: 20%; Maximum loan amount is $1,249,125 for a single-family dwelling Last Updated 11/05/2026 Rate History 2 changes since Oct 2, 2026 · 7.48% → 6.97% ▼ 0.51 pts · high 7.48% / low 6.97% Nov 5, 20266.97%▼ from 7.35% Oct 20, 20267.35%▼ from 7.48% Oct 2, 20267.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Central Pacific Bank Other Rates

Product	Rate	Points	APY/APR	Term
181 - 364 day IRA	0.02%	-	0.02%	181 - 364 day
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%
Exceptional CD Special 6 months	3.15%	-	3.15%	6 months
Min Deposit $20,000 Min Balance $20,000 Details Exceptional Preferred Certificate of Deposit (CD) Special; Limited Time Offer; $10,000 of the $20,000 must be new money from another financial institution to obtain APY; Customer must be a Consumer Exceptional Plan customer with an Exceptional Checking Account; maximum $1,000,000 in the CD; early withdrawal penalty applies Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00% Oct 2, 20263.15%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.64%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Central Pacific Bank’s Texas Ratio rose from 1.75% in Q3 2023 to 2.64% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$7.5B	2.64%	5.0	A+
March 31, 2026	$7.5B	2.32%	5.0	A+
December 31, 2025	$7.4B	2.52%	5.0	A+
September 30, 2025	$7.4B	2.36%	5.0	A+
June 30, 2025	$7.4B	2.60%	5.0	A+
March 31, 2025	$7.4B	1.85%	5.0	A+
December 31, 2024	$7.5B	1.91%	5.0	A+
September 30, 2024	$7.4B	1.97%	5.0	A+
June 30, 2024	$7.4B	2.13%	5.0	A+
March 31, 2024	$7.4B	2.17%	5.0	A+
December 31, 2023	$7.6B	1.42%	5.0	A+
September 30, 2023	$7.6B	1.75%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Central Pacific Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Central Pacific Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Central Pacific Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Central Pacific Bank

Website https://www.cpb.bank

Address 220 S King St, Honolulu, HI 96813 · Honolulu

Bank Holding Company CENTRAL PACIFIC FINANCIAL CORP

FDIC Certificate # 17308

Regulator FED

Established February 15, 1954

FDIC Insurance Date February 15, 1954

Domestic Offices 27

Total Branches 27

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.64%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2068%

Return on Equity (ROE)

14.1600%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

$7,495,070,000

Total Deposits

$6,701,667,000

Equity Capital

$638,005,000

Net Income

$45,017,000

Headquarters

Honolulu

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Central Pacific Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Central Pacific Bank

Does Central Pacific Bank offer CDs?

Yes. Central Pacific Bank current CD rates include its 12-23-Months Exceptional Preferred CD 12-23-Month at 0.13% APY, its Smart Saver CD - 36-Month at 0.13% APY and its 36-47-Months CD (CD) - 36 - 47-Month CD at 0.08% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Central Pacific Bank FDIC insured?

Yes. Central Pacific Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Central Pacific Bank?

The highest Central Pacific Bank CD rate is its 6-Month Exceptional CD Special at 3.15% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Central Pacific Bank offer?

Central Pacific Bank CD rates are 0.08% APY for an 11 month CD, 0.04% APY for a 12 month CD, 0.08% APY for an 18 month CD, 0.13% APY for a 23 month CD, 0.04% APY for a 2 year CD, 0.13% APY for a 3 year CD, 0.08% APY for a 47 month CD, 0.08% APY for a 4 year CD, 0.08% APY for a 59 month CD and 0.08% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Central Pacific Bank for its full lineup.

What is the highest savings rate at Central Pacific Bank?

The highest Central Pacific Bank savings rate is its Exceptional Super Savings at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Central Pacific Bank?

The highest Central Pacific Bank checking rate is its Shaka Checking Account at 1.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Central Pacific Bank?

The lowest Central Pacific Bank 30 year fixed mortgage rate is its Jumbo 30-Year Fixed at 6.625%, verified by MonitorBankRates as of November 5, 2026. Central Pacific Bank mortgage rates are 6.625% for a 30 year mortgage and 5.875% for a 15 year mortgage.

How many branches does Central Pacific Bank operate?

Central Pacific Bank currently maintains approximately 27 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Central Pacific Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Central Pacific Bank provides members with tools to manage their accounts and build a solid financial history.

Does Central Pacific Bank offer online and mobile banking?

Most modern institutions like Central Pacific Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cpb.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Central Pacific Bank rates compare?

Central Pacific Bank's top CD rate of 3.15% APY on a 6 month CD is 12% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. Central Pacific Bank's top rates are its 6-Months 6-Month Exceptional CD Special at 3.15% APY, its Exceptional Super Savings at 0.05% APY, its Shaka Checking Account at 1.00% APY and its 15-Year Fixed at 5.875%, verified by MonitorBankRates on November 5, 2026.

Current Central Pacific Bank Rates

12-Month CD0.04%
18-Month CD0.08%
24-Month CD0.04%
36-Month CD0.06%
48-Month CD0.08%
60-Month CD0.08%
Savings0.05%

Retrieved from our database of financial products. Rates subject to change.

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Central Pacific Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Central Pacific Bank Texas Ratio

Central Pacific Bank Health Trend

Central Pacific Bank CD Rates

Central Pacific Bank Savings Rates

Central Pacific Bank Checking Rates

Central Pacific Bank Mortgage Rates

Central Pacific Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Central Pacific Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Central Pacific Bank

Does Central Pacific Bank offer CDs?

Are CDs from Central Pacific Bank FDIC insured?

What is the highest CD rate at Central Pacific Bank?

What CD terms does Central Pacific Bank offer?

What is the highest savings rate at Central Pacific Bank?

What is the highest checking rate at Central Pacific Bank?

What is the lowest 30 year fixed mortgage rate at Central Pacific Bank?

How many branches does Central Pacific Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Central Pacific Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Central Pacific Bank rates compare?

Current Central Pacific Bank Rates

Compare to Other Banks