What are the current interest rates at Central Pacific Bank?

Current rates for Central Pacific Bank include: 12-Month CD: 0.08%, 18-Month CD: 0.08%, 24-Month CD: 0.04%, 36-Month CD: 0.13%, 48-Month CD: 0.08%, 60-Month CD: 0.08%, Savings: 0.03%

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Central Pacific Bank Rates & Review March 2026

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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 25, 2026

Central Pacific Bank's 6-Months 6-Month CD rates are at 3.10%, 6-Months Exceptional CD Special 6-Month rates are at 3.10%, 5- 8 year Jumbo CD rates are at 0.23%, 36 - 47-Month Jumbo CD rates are at 0.13%, 48 - 59-Month Jumbo CD rates are at 0.13%. Central Pacific Bank's savings rates are at 0.03%. Central Pacific Bank's 15-Year Fixed rates are at 5.25%, 30-Year Fixed rates are at 6.00%, Jumbo 30-Year Fixed rates are at 6.12%. 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 1.76%. Rates were last updated on 03/25/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.76%

Excellent Lower than avg

Central Pacific Bank

220 S King St
Honolulu, HI 96813

https://www.cpb.bank

Central Pacific Bank CD Rates

Product	Rate	APY	Term
6 month CD	-	3.10%	6 Months
Min Deposit $20,000 Details Limited Time Offer. A minimum deposit of $20,000 of which $10,000 must be new money from another financial institution to obtain APY. A CPB Exceptional Checking Account is required. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional CD Special 6 month	3.10%	3.10%	6 months
Min Deposit $20,000 Min Balance $20,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
5- 8 year Jumbo CD	0.23%	0.23%	8 Year
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
36 - 47 month Jumbo CD	0.13%	0.13%	47 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
48 - 59 month Jumbo CD	0.13%	0.13%	59 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
5 - 8 year CD	0.13%	0.13%	8 Year
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Preferred CD 12-23 month	0.13%	0.13%	23 Month
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Smart Saver Certificates of Deposit 36 month	0.13%	0.13%	36
Min Deposit $1,000 Min Balance $1,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Smart Saver Certificates of Deposit IRA 36 month	0.13%	0.13%	36
Min Deposit $1,000 Min Balance $1,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
12 - 23 month Jumbo CD	0.08%	0.08%	23 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
24 - 35 month Jumbo CD	0.08%	0.08%	35 Month
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
36 - 47 month CD	0.08%	0.08%	47 Month
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
48 - 59 month CD	0.08%	0.08%	59 Month
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Preferred CD 6-11 month	0.08%	0.08%	11 Month
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Smart Saver Certificates of Deposit 12 month	0.08%	0.08%	12
Min Deposit $1,000 Min Balance $1,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Smart Saver Certificates of Deposit 18 month	0.08%	0.08%	18
Min Deposit $1,000 Min Balance $1,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Smart Saver Certificates of Deposit IRA 12 month	0.08%	0.08%	12
Min Deposit $1,000 Min Balance $1,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Smart Saver Certificates of Deposit IRA 18 month	0.08%	0.08%	18
Min Deposit $1,000 Min Balance $1,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
24 - 35 month CD	0.06%	0.06%	35 Month
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
12 - 23 month CD	0.04%	0.04%	23 Month
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
181 - 364 day Jumbo CD	0.03%	0.03%	181 - 364 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
32 - 90 day Jumbo CD	0.03%	0.03%	32 - 90 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
7 - 31 day Jumbo CD	0.03%	0.03%	7 - 31 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
91 - 180 day Jumbo CD	0.03%	0.03%	91 - 180 day
Min Deposit $100,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
6 month 181 - 364 day CD (6 month to less than 1 year)	0.02%	0.02%	6 Months
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
32 - 90 day CD	0.01%	0.01%	32 - 90
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
7 - 31 day CD	0.01%	0.01%	7 - 31
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
3 month 91 - 180 day CD (3 month to less than 6 month)	0.01%	0.01%	3 Months
Min Deposit $500 Min Balance $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

Central Pacific Bank Savings Rates

Product	Rate	APY
Business Money Market Savings Tier 6	0.06%	0.06%
Min Deposit $5,000 Min Balance $1,000,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Super Savings Tier 4	0.06%	0.06%
Min Deposit $100 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 4	0.05%	0.05%
Min Deposit $5,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 5	0.05%	0.05%
Min Deposit $5,000 Min Balance $250,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Super Savings Tier 3	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Super Savings Tier 4	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Details $100,000 & Over Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings Tier 4	0.05%	0.05%
Min Deposit $100 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 2	0.04%	0.04%
Min Deposit $5,000 Min Balance $20,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 3	0.04%	0.04%
Min Deposit $5,000 Min Balance $50,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Super Savings Tier 1	0.04%	0.04%
Min Deposit $100 Min Balance $1 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Super Savings Tier 2	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Super Savings Tier 1	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details $0 - $9,999.99 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Super Savings Tier 2	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details $10,000 - $24,999.99 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Super Savings Tier 3	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details $25,000 - $99,999.99 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings	0.04%	0.04%
Min Deposit $100 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings Tier 1	0.04%	0.04%
Min Deposit $100 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings Tier 2	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings Tier 3	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Personal Super Savings Tier 1	0.04%	0.04%
Min Deposit $100 Min Balance $0 Details $0 - $9,999.99 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Personal Super Savings Tier 2	0.04%	0.04%
Min Deposit $100 Min Balance $10,000 Details $10,000 - $24,999.99 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Personal Super Savings Tier 3	0.04%	0.04%
Min Deposit $100 Min Balance $25,000 Details $25,000 - $99,999.99 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Personal Super Savings Tier 4	0.04%	0.04%
Min Deposit $100 Min Balance $100,000 Details $100,000 & Over Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 1	0.03%	0.03%
Min Deposit $5,000 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Super Savings Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 3	0.03%	0.03%
Min Deposit $500 Min Balance $50,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 4	0.03%	0.03%
Min Deposit $500 Min Balance $75,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 5	0.03%	0.03%
Min Deposit $500 Min Balance $150,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 6	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 7	0.03%	0.03%
Min Deposit $500 Min Balance $500,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 8	0.03%	0.03%
Min Deposit $500 Min Balance $1,000,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Savings	0.03%	0.03%
Min Deposit $500 Min Balance $50,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Super Savings Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Super Savings Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Personal Super Savings Standard Rate	0.03%	0.03%
Min Deposit $100 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Savings	0.02%	0.02%
Min Deposit $100 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 1	0.02%	0.02%
Min Deposit $500 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts Tier 2	0.02%	0.02%
Min Deposit $500 Min Balance $20,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Savings Accounts1 Exceptional Savings	0.02%	0.02%
Min Deposit $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Personal Savings	0.02%	0.02%
Min Deposit $100 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Starter Savings	0.02%	0.02%
Min Deposit $10 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

Central Pacific Bank Money Market Rates

Product	Rate	APY
Business Money Market Savings Tier 6	0.06%	0.06%
Min Deposit $5,000 Min Balance $1,000,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 4	0.05%	0.05%
Min Deposit $5,000 Min Balance $100,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 5	0.05%	0.05%
Min Deposit $5,000 Min Balance $250,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 2	0.04%	0.04%
Min Deposit $5,000 Min Balance $20,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 3	0.04%	0.04%
Min Deposit $5,000 Min Balance $50,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Business Money Market Savings Tier 1	0.03%	0.03%
Min Deposit $5,000 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

Central Pacific Bank Checking Rates

Product	Rate	APY
Shaka Checking Account	0.97%	1.00%
Min Deposit $25 Min Balance $0 Details Qualifying balance up to $20,000.00 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Shaka Checking Account Tier 1	0.97%	1.00%
Min Deposit $25 Min Balance $0 Details Qualifying balance up to $20,000.00 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Shaka Checking Account Tier 2	0.03%	1.00%
Min Deposit $25 Min Balance $20,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Choice Checking Tier 1	0.10%	0.10%
Min Deposit $500 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Choice Checking Tier 2	0.02%	0.10%
Min Deposit $500 Min Balance $25,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Value Plus Checking Tier 1	0.10%	0.10%
Min Deposit $50 Details $0 - $25,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Value Plus Checking Tier 2	0.02%	0.10%
Min Deposit $50 Min Balance $25,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Performance Business Checking Tier 4	0.04%	0.04%
Min Balance $1,000,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Performance Business Checking Tier 5	0.04%	0.04%
Min Balance $2,500,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Checking Accounts Tier 4	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Checking Tier 4	0.03%	0.03%
Min Deposit $500 Min Balance $250,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Shaka Checking Account Standard Rate	0.03%	0.03%
Min Deposit $25 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Checking Accounts Tier 3	0.02%	0.02%
Min Deposit $500 Min Balance $50,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Checking Tier 3	0.02%	0.02%
Min Deposit $500 Min Balance $50,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Choice Checking Standard Rate	0.02%	0.02%
Min Deposit $500 Min Balance $0 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Performance Business Checking Tier 1	0.02%	0.02%
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Performance Business Checking Tier 2	0.02%	0.02%
Min Balance $2,500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Performance Business Checking Tier 3	0.02%	0.02%
Min Balance $250,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Value Plus Checking Standard Rate	0.02%	0.02%
Min Deposit $50 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Checking Accounts Tier 1	0.01%	0.01%
Min Deposit $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Consumer Exceptional Plan Checking Accounts Tier 2	0.01%	0.01%
Min Deposit $500 Min Balance $10,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Checking Tier 1	0.01%	0.01%
Min Deposit $500 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Exceptional Checking Tier 2	0.01%	0.01%
Min Deposit $500 Min Balance $10,000 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

Central Pacific Bank Mortgage Rates

Product	Rate	Points	APR
15-Year Fixed	5.25%	2.125	5.79%
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
30-Year Fixed	6.00%	2.125	6.34%
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Jumbo 30-Year Fixed	6.13%	1.125	6.37%
No additional details. Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

Central Pacific Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Introductory Fixed	-	-	5.60%	2
Details With automatic payments from CPB personal Exceptional Checking Account Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
HELOC Introductory Fixed	-	-	5.70%	3
Details With automatic payments from CPB personal Exceptional Checking Account Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
HELOC Introductory Fixed	-	-	5.75%	4
Details With automatic payments from CPB personal Exceptional Checking Account Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
HELOC Introductory Fixed	-	-	5.80%	5
Details With automatic payments from CPB personal Exceptional Checking Account Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%
Home Equity Line of Credit	-	-	7.75%
Details Based on a current index and margin as of 3/20/2026 Last Updated 03/25/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.76%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Institution Name Central Pacific Bank

Bank Holding Company CENTRAL PACIFIC FINANCIAL CORP

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

Website https://www.cpb.bank

FDIC Certificate # 17308

Established 02/15/1954

FDIC Insurance Date 02/15/1954

Domestic Offices 27

Total Branches 27

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8638%

Return on Equity (ROE) 11.9100%

Non-Performing Loans (NPL) 0.13%

Total Assets $7,397,722,000

Total Deposits $6,615,293,000

Equity Capital $633,711,000

Net Income $85,474,000

Headquarters Honolulu

Total Offices 27

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Central Pacific Bank

Is Central Pacific Bank a safe place to deposit money?

Yes, Central Pacific Bank is considered a safe financial institution. With a Texas Ratio of 1.7553517492963%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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.