Central Pacific Bank rates: up to 3.15% APY
bank · FDIC CERT 17308 · www.cpb.bank/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 1 year IRA | $500 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 1 year IRA | $500 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 1 year IRA | $500 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 month Variable Rate IRA | $25 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 month Variable Rate IRA | $25 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 month Variable Rate IRA | $25 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 181 - 364 day IRA | $500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| 181 - 364 day IRA | $500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| 181 - 364 day IRA | $500 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| 2 year IRA | $100 | 0.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 2 year IRA | $100 | 0.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 2 year IRA | $100 | 0.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 year IRA | $100 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 year IRA | $100 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 3 year IRA | $100 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 4 year IRA | $100 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 4 year IRA | $100 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 4 year IRA | $100 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 - 8 year IRA | $100 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 - 8 year IRA | $100 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 - 8 year IRA | $100 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 2 $20,000 - $49,999.99 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 2 $20,000 - $49,999.99 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 2 $20,000 - $49,999.99 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 3 $50,000 - $74,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 3 $50,000 - $74,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 3 $50,000 - $74,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 4 $75,000 - $149,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 4 $75,000 - $149,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 4 $75,000 - $149,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 5 $150,000 - $249,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 5 $150,000 - $249,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 5 $150,000 - $249,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 6 $250,000 - $499,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 6 $250,000 - $499,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 6 $250,000 - $499,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 7 $500,000 - $999,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 7 $500,000 - $999,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 7 $500,000 - $999,999.99 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 8 $1,000,000 & Over | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 8 $1,000,000 & Over | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Savings Accounts | Tier 8 $1,000,000 & Over | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA - 6 month | $20,000 | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA - 6 month | $20,000 | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA - 6 month | $20,000 | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA 12-23 month | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA 12-23 month | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA 12-23 month | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA 6-11 month | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA 6-11 month | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred IRA 6-11 month | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Savings | $100 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Savings | $100 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Personal Savings | $100 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Starter Savings | $10 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Starter Savings | $10 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Starter Savings | $10 | 0.02% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 12 - 23 month CD | $500 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 - 23 month CD | $500 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 - 23 month CD | $500 | 0.04% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 - 23 month Jumbo CD | $100,000 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 - 23 month Jumbo CD | $100,000 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 - 23 month Jumbo CD | $100,000 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 181 - 364 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 181 - 364 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 181 - 364 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 - 35 month CD | $500 | 0.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 - 35 month CD | $500 | 0.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 - 35 month CD | $500 | 0.06% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 - 35 month Jumbo CD | $100,000 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 - 35 month Jumbo CD | $100,000 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 - 35 month Jumbo CD | $100,000 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 32 - 90 day CD | $500 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| 32 - 90 day CD | $500 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| 32 - 90 day CD | $500 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| 32 - 90 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 32 - 90 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 32 - 90 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 - 47 month CD | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 - 47 month CD | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 - 47 month CD | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 - 47 month Jumbo CD | $100,000 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 - 47 month Jumbo CD | $100,000 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 - 47 month Jumbo CD | $100,000 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 - 59 month CD | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 - 59 month CD | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 - 59 month CD | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 - 59 month Jumbo CD | $100,000 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 - 59 month Jumbo CD | $100,000 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 - 59 month Jumbo CD | $100,000 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 - 8 year CD | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 - 8 year CD | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 5 - 8 year CD | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| 5- 8 year Jumbo CD | $100,000 | 0.23% | APY | 2026-11-01 | since 2026-11-01 | |
| 5- 8 year Jumbo CD | $100,000 | 0.23% | APY | 2026-11-01 | since 2026-11-01 | |
| 5- 8 year Jumbo CD | $100,000 | 0.23% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 - 31 day CD | $500 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 - 31 day CD | $500 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 - 31 day CD | $500 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 - 31 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 - 31 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 7 - 31 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 91 - 180 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 91 - 180 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| 91 - 180 day Jumbo CD | $100,000 | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred CD 12-23 month | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred CD 12-23 month | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred CD 12-23 month | $500 | 0.13% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred CD 6-11 month | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred CD 6-11 month | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional Preferred CD 6-11 month | $500 | 0.08% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional CD Special 6 months | $20,000 · 6 months | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional CD Special 6 months | $20,000 · 6 months | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Exceptional CD Special 6 months | $20,000 · 6 months | 3.15% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking | Standard Rate | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking | Standard Rate | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking | Standard Rate | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 2 $10,000 - $49,999.99 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 2 $10,000 - $49,999.99 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 2 $10,000 - $49,999.99 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 3 $50,000 - $249,999.99 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 3 $50,000 - $249,999.99 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 3 $50,000 - $249,999.99 | 0.02% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 4 $250,000 & Over | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 4 $250,000 & Over | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Exceptional Plan Checking Accounts | Tier 4 $250,000 & Over | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Shaka Checking Account | Standard Rate | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Shaka Checking Account | Standard Rate | 0.03% | APY | 2026-11-01 | since 2026-11-01 | |
| Shaka Checking Account | Standard Rate | 0.03% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.cpb.bank/personal-banking/savings | — | extract-failed | |
| www.cpb.bank/rates/personal/ | 2026-11-01 14:14 UTC | ok | 1e77a14f521e |
| www.cpb.bank/rates | 2026-11-01 14:03 UTC | ok | 1e77a14f521e |
| www.cpb.bank/rates/personal | 2026-11-01 14:03 UTC | ok | 1e77a14f521e |