Central Pacific Bank CD Rates — October 2026
As of October 22, 2026, Central Pacific Bank's highest tracked CD rate is 3.15% APY on a 6-month promotional CD ($20,000 minimum). That is 2.3 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.01% to 0.23% APY.
Tracking began .
Central Pacific Bank CD rates
Hawaii bank. Standard and jumbo ($100,000) CDs, Exceptional Preferred CDs, the Smart Saver CD and the 6-month Exceptional CD Special, which requires $20,000 ($10,000 new money from another institution) and a CPB Exceptional Checking account. Term ranges are shown at their lower bound. IRA CDs are excluded. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.15% APY (6 months). The standard rate for a similar term is 0.03% APY (181 days). If the CD renews at the standard rate when it matures, $10,000 would earn about $312 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Central Pacific Bank's best CD rates by term?
Central Pacific Bank's best rate is 3.15% APY on 6 months, verified October 22, 2026.
- 7 days0.03%
- 32 days0.03%
- 91 days0.03%
- 181 days0.03%
- 6 mo3.15%
- 12 mo0.13%
- 18 mo0.08%
- 24 mo0.08%
- 36 mo0.13%
- 48 mo0.13%
- 60 mo0.23%
How much interest could a Central Pacific Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$4.01 interest · $10,004.01 at maturity on $10,000.00.
0.08% APY · 6 months · Exceptional Preferred CD · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $0.010.01% APY · 7 - 31 day CD · Standard | $0.020.01% APY · 7 - 31 day CD · Standard | $0.050.01% APY · 7 - 31 day CD · Standard | $0.100.01% APY · 7 - 31 day CD · Standard |
| 32 days | $0.040.01% APY · 32 - 90 day CD · Standard | $0.090.01% APY · 32 - 90 day CD · Standard | $0.220.01% APY · 32 - 90 day CD · Standard | $0.440.01% APY · 32 - 90 day CD · Standard |
| 91 days | $0.120.01% APY · 91 - 180 day CD · Standard | $0.250.01% APY · 91 - 180 day CD · Standard | $0.620.01% APY · 91 - 180 day CD · Standard | $1.250.01% APY · 91 - 180 day CD · Standard |
| 181 days | $0.500.02% APY · 181 - 364 day CD · Standard | $0.990.02% APY · 181 - 364 day CD · Standard | $2.480.02% APY · 181 - 364 day CD · Standard | $4.960.02% APY · 181 - 364 day CD · Standard |
| 6 months | $2.010.08% APY · Exceptional Preferred CD · Relationship | $4.010.08% APY · Exceptional Preferred CD · Relationship | $391.783.15% APY · Exceptional CD Special · Promotional | $783.553.15% APY · Exceptional CD Special · Promotional |
| 12 months | $6.500.13% APY · Exceptional Preferred CD · Relationship | $13.000.13% APY · Exceptional Preferred CD · Relationship | $32.500.13% APY · Exceptional Preferred CD · Relationship | $65.000.13% APY · Exceptional Preferred CD · Relationship |
| 18 months | $6.010.08% APY · Smart Saver CD · Relationship | $12.010.08% APY · Smart Saver CD · Relationship | $30.030.08% APY · Smart Saver CD · Relationship | $60.070.08% APY · Smart Saver CD · Relationship |
| 24 months | $6.000.06% APY · 24 - 35 month CD · Standard | $12.000.06% APY · 24 - 35 month CD · Standard | $30.010.06% APY · 24 - 35 month CD · Standard | $60.020.06% APY · 24 - 35 month CD · Standard |
| 36 months | $19.530.13% APY · Smart Saver CD · Relationship | $39.050.13% APY · Smart Saver CD · Relationship | $97.630.13% APY · Smart Saver CD · Relationship | $195.250.13% APY · Smart Saver CD · Relationship |
| 48 months | $16.020.08% APY · 48 - 59 month CD · Standard | $32.040.08% APY · 48 - 59 month CD · Standard | $80.100.08% APY · 48 - 59 month CD · Standard | $160.190.08% APY · 48 - 59 month CD · Standard |
| 60 months | $32.580.13% APY · 5 - 8 year CD · Standard | $65.170.13% APY · 5 - 8 year CD · Standard | $162.920.13% APY · 5 - 8 year CD · Standard | $325.850.13% APY · 5 - 8 year CD · Standard |
How Central Pacific Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 138 of 214 tracked institutions with fresh 183-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Central Pacific Bank (this institution)Exceptional CD Special · Promotional | 6 months | $20,000 | Coverage: HI | 3.15% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 6 months | $10,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Nationwide; check eligibility | 4.20% | October 22, 2026 |
| Synchrony BankCD · Standard | 6 months | Not stated | Nationwide; check eligibility | 4.10% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Central Pacific Bank on October 22, 2026.
About Central Pacific Bank
- Legal name
- Central Pacific Bank
- Regulator ID
- FDIC 17308
- Headquarters
- Honolulu, HI
- Available in
- HI
- Total assets
- $7.5 billion
- Also known as
- Website
- www.cpb.bank
Source: rates read from https://www.cpb.bank/rates/personal. See the page text we read.
Frequently asked questions
What is the highest CD rate at Central Pacific Bank?
Among the rates we track, 3.15% APY on a 6-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Central Pacific Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Central Pacific Bank's best CD rate compare with Treasury yields?
3.15% APY is −1.25% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.15% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Central Pacific Bank CDs insured?
Central Pacific Bank is an FDIC-insured bank (FDIC 17308). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Central Pacific Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Central Pacific Bank's website and may change at any time. Confirm terms, minimums and eligibility with Central Pacific Bank before opening an account. This page is not financial advice.