Bank · FDIC insured
Central Pacific Bank CD Rates
Central Pacific Bank’s best CD rate is 0.23% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Central Pacific Bank’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Central Pacific Bank has the most branches. $10,000, best rate first.
This bank’s best
Central Pacific Bank
0.13%APY
- Term
- 36 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $39
Smart Saver Certificates of Deposit
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $494
2nd-highest rate
UHFCU
4.50%APY
- Term
- 5 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $185
Central Pacific Bank CD score
60
CD score
Higher than 0% of U.S. banks and credit unions
- 3–8 months3–8 mo0.02%
- 9–15 months9–15 mo0.04%
- 16–30 months16–30 mo0.06%
- 31–60 months31–60 mo0.13%
- QualifiedQualified0.13%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central Pacific Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Exceptional Preferred Certificate of Deposit (CD) Special
3.15%APY · 1 term
Requires CPB Exceptional Checking Account. Minimum deposit of $20,000 of which $10,000 must be new money from another financial institution. Maximum deposit of $1,000,000. Limited time offer. Early withdrawal penalty applies. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust have an Exceptional Checking account | 3.15% | — |
Sources (2)
All captured Oct 15, 2026
Jumbo Certificates of Deposit (CD)
Up to 0.23%APY · 6 terms
Minimum deposit $100,000. APY assumes interest remains on deposit until maturity. Fees may reduce earnings on the CD account. A penalty will be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0–12 months | 0.03% | — |
| 12–23 months | 0.08% | — |
| 24–35 months | 0.08% | — |
| 36–47 months | 0.13% | — |
| 48–59 months | 0.13% | — |
| 60–96 months | 0.23% | — |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Certificates of Deposit (CD)
Up to 0.13%APY · 7 terms
Minimum deposit $500. APY assumes interest remains on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0–6 months | 0.01% | $0 |
| 6–12 months6 months to less than 1 year (181 - 364 days) | 0.02% | $1 |
| 12–23 months | 0.04% | $4 |
| 24–35 months | 0.06% | $12 |
| 36–47 months | 0.08% | $24 |
| 48–59 months | 0.08% | $32 |
| 60–96 months | 0.13% | $65 |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Smart Saver Certificates of Deposit
Up to 0.13%APY · 3 terms
Requires monthly automatic deposits on the 22nd from eligible CPB account. Minimum end-of-term balance $5,000. At maturity, automatically closes and funds transfer to source account. If automatic deposits stop before maturity, CD closes with penalties. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.08% | $8 |
| 18 months | 0.08% | $12 |
| 36 months | 0.13% | $39 |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Special-purpose accounts
Exceptional Preferred Individual Retirement Accounts Specials
3.15%APY · 1 term
Must be a Consumer Exceptional Plan customer and have a CPB Exceptional Checking account. Minimum deposit of $20,000 of which $10,000 must be new money from another financial institution. Maximum deposit of $1,000,000. Limited time offer. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.15% | — |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Individual Retirement Accounts (IRA)
Up to 0.13%APY · 7 terms
Minimum deposit $500 for 6-11 month terms. $100 for 12-23 month terms. $25 for variable rate. Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
| Term | APY · $25 and up | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6–12 months181 - 364 day IRA | — | — | 0.02% | 0.02% | $1 |
| 12 months | — | — | 0.04% | 0.04% | $4 |
| 18 monthsVariable rate IRA | 0.04% | — | — | 0.04% | $6 |
| 24 months | — | 0.06% | — | 0.06% | $12 |
| 36 months | — | 0.08% | — | 0.08% | $24 |
| 48 months | — | 0.08% | — | 0.08% | $32 |
| 60–96 months | — | 0.13% | — | 0.13% | $65 |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Closed to new customers
Exceptional Preferred Certificates of Deposit (CD)
Up to 0.13%APY · 2 terms
Must be a Consumer Exceptional Plan customer. APY assumes interest remains on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 0.08% | $4 |
| 12–23 months | 0.13% | $13 |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Exceptional Preferred Individual Retirement Accounts
Up to 0.13%APY · 2 terms
Must be a Consumer Exceptional Plan customer. Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 0.08% | $4 |
| 12–23 months | 0.13% | $13 |
Sources (1)
- cpb.bank/rates/personal · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.