Bank · FDIC insured
Central Pacific Bank Savings Rates
Central Pacific Bank’s best savings rate is 0.02% APY on $10,000, with its Personal Savings. Rates checked October 22, 2026.
How Central Pacific Bank’s savings 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
0.04%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $4
Personal Super Savings
Top rate
Sunflower Bank
3.02%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $302
2nd-highest rate
PenFed Credit Union
2.70%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $270
Central Pacific Bank savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.03%
- $100,000 balance$100,0000.03%
- QualifiedQualified0.04%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Super Savings
Up to 0.04%APY
Zero balance for 60 or more consecutive calendar days will cause account to close automatically without notice.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. | 0.04% | — | Tier 1 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. |
| Any balanceStandard rate applied to entire balance if transaction requirements for bonus tiered rates are not met. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. | 0.03% | $3 | Standard rate applied to entire balance if transaction requirements for bonus tiered rates are not met. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. |
| $10,000 – $25,000Tier 2 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. | 0.04% | $4 | Tier 2 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. |
| $25,000 – $100,000Tier 3 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. | 0.04% | — | Tier 3 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. |
| $100,000 and upTier 4 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. | 0.04% | — | Tier 4 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. $6 monthly service charge is waived if $500 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid monthly. |
Personal Savings
0.02%APY
Zero balance for 60 or more consecutive calendar days will cause account to close automatically without notice.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 monthly service charge is waived if $300 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid quarterly.Any balance | 0.02% | $2 | $5 monthly service charge is waived if $300 minimum balance is maintained or account is linked to an Exceptional Plan. Interest compounded daily and paid quarterly. |
Special-purpose accounts
Starter Savings
0.02%APY
Available for children from birth to age 17; automatically converts to a Personal Savings account on the child's 18th birthday. For minors age 7 and younger, must be opened as a custodial account under HUTMA. For minors age 8 and older, may be opened as a joint account with parent/guardian or custodial account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$2 monthly service charge is waived if $25 minimum balance is maintained. Interest compounded daily and paid quarterly.Any balance | 0.02% | $2 | $2 monthly service charge is waived if $25 minimum balance is maintained. Interest compounded daily and paid quarterly. |
Closed to new customers
Exceptional Super Savings
Up to 0.04%APY
Exclusively for Exceptional Plan customers. Must be linked to an Exceptional Plan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. | 0.04% | — | Tier 1 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. |
| Any balanceStandard rate applied to entire balance if transaction requirements for bonus tiered rates are not met. Interest compounded daily and paid monthly. | 0.03% | $3 | Standard rate applied to entire balance if transaction requirements for bonus tiered rates are not met. Interest compounded daily and paid monthly. |
| $10,000 – $25,000Tier 2 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. | 0.04% | $4 | Tier 2 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. |
| $25,000 – $100,000Tier 3 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. | 0.04% | — | Tier 3 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. |
| $100,000 and upTier 4 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. | 0.05% | — | Tier 4 bonus rate. Requires one deposit of $25 or more (scheduled by the 25th if automatic transfer) and no withdrawals during the calendar month. Interest compounded daily and paid monthly. |
Exceptional Savings
0.02%APY
Exclusively for Exceptional Plan customers. Must be linked to an Exceptional Plan.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Tier 1 rate. Interest compounded daily and paid quarterly. | 0.02% | $2 | Tier 1 rate. Interest compounded daily and paid quarterly. |
| $20,000 – $50,000Tier 2 rate. Interest compounded daily and paid quarterly. | 0.02% | — | Tier 2 rate. Interest compounded daily and paid quarterly. |
| $50,000 – $75,000Tier 3 rate. Interest compounded daily and paid quarterly. | 0.03% | — | Tier 3 rate. Interest compounded daily and paid quarterly. |
| $75,000 – $150,000Tier 4 rate. Interest compounded daily and paid quarterly. | 0.03% | — | Tier 4 rate. Interest compounded daily and paid quarterly. |
| $150,000 – $250,000Tier 5 rate. Interest compounded daily and paid quarterly. | 0.03% | — | Tier 5 rate. Interest compounded daily and paid quarterly. |
| $250,000 – $500,000Tier 6 rate. Interest compounded daily and paid quarterly. | 0.03% | — | Tier 6 rate. Interest compounded daily and paid quarterly. |
| $500,000 – $1,000,000Tier 7 rate. Interest compounded daily and paid quarterly. | 0.03% | — | Tier 7 rate. Interest compounded daily and paid quarterly. |
| $1,000,000 and upTier 8 rate. Interest compounded daily and paid quarterly. | 0.03% | — | Tier 8 rate. Interest compounded daily and paid quarterly. |
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.