# Central Pacific Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/central-pacific-bank
Institution: Central Pacific Bank (FDIC 17308)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:23.000Z (October 22, 2026)
Official source: https://www.cpb.bank/rates/personal
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 7 - 31 day Jumbo CD | standard | 7 days | $100,000 | 0.03% | Not ZIP-priced | −4.10% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 7 - 31 day CD | standard | 7 days | $500 | 0.01% | Not ZIP-priced | −4.12% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 32 - 90 day Jumbo CD | standard | 32 days | $100,000 | 0.03% | Not ZIP-priced | −4.11% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 32 - 90 day CD | standard | 32 days | $500 | 0.01% | Not ZIP-priced | −4.13% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 91 - 180 day Jumbo CD | standard | 91 days | $100,000 | 0.03% | Not ZIP-priced | −4.26% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 91 - 180 day CD | standard | 91 days | $500 | 0.01% | Not ZIP-priced | −4.29% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 181 - 364 day Jumbo CD | standard | 181 days | $100,000 | 0.03% | Not ZIP-priced | −4.37% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 181 - 364 day CD | standard | 181 days | $500 | 0.02% | Not ZIP-priced | −4.38% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| Exceptional CD Special | promotional | 6 months | $20,000 | 3.15% | Not ZIP-priced | −1.25% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| Exceptional Preferred CD | relationship | 6 months | $500 | 0.08% | Not ZIP-priced | −4.32% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| Exceptional Preferred CD | relationship | 12 months | $500 | 0.13% | Not ZIP-priced | −4.44% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| Smart Saver CD | relationship | 12 months | $1,000 | 0.08% | Not ZIP-priced | −4.49% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 12 - 23 month Jumbo CD | standard | 12 months | $100,000 | 0.08% | Not ZIP-priced | −4.49% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 12 - 23 month CD | standard | 12 months | $500 | 0.04% | Not ZIP-priced | −4.53% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| Smart Saver CD | relationship | 18 months | $1,000 | 0.08% | Not ZIP-priced | −4.64% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 24 - 35 month Jumbo CD | standard | 24 months | $100,000 | 0.08% | Not ZIP-priced | −4.79% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 24 - 35 month CD | standard | 24 months | $500 | 0.06% | Not ZIP-priced | −4.81% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| Smart Saver CD | relationship | 36 months | $1,000 | 0.13% | Not ZIP-priced | −4.82% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 36 - 47 month Jumbo CD | standard | 36 months | $100,000 | 0.13% | Not ZIP-priced | −4.82% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 36 - 47 month CD | standard | 36 months | $500 | 0.08% | Not ZIP-priced | −4.87% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 48 - 59 month Jumbo CD | standard | 48 months | $100,000 | 0.13% | Not ZIP-priced | −4.85% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 48 - 59 month CD | standard | 48 months | $500 | 0.08% | Not ZIP-priced | −4.90% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 5 - 8 year Jumbo CD | standard | 60 months | $100,000 | 0.23% | Not ZIP-priced | −4.78% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |
| 5 - 8 year CD | standard | 60 months | $500 | 0.13% | Not ZIP-priced | −4.88% | 2026-10-22T16:21:23.000Z | [Snapshot 330](https://apyledger.com/snapshots/330) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.