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Source: https://www.cpb.bank/rates/personal
Read: 2026-10-22T16:21:23.000Z

Personal Interest Rates | CPB -->
A minimum deposit of $20,000 of which $10,000 must be new money from another financial institution to obtain APY. Your CD account may not exceed $1,000,000. Must have CPB Exceptional Checking Account 2 . Limited Time Offer.
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 3 to Earn Interest
Exceptional CD Special 6 months 1 | 3.15% | 3.15% | $20,000 | $20,000
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 3 to Earn Interest
Exceptional CD Special 6 months 1 | 3.15% | 3.15% | $20,000 | $20,000
Limited time offer. The minimum balance required to open and obtain the 3.15% APY is $20,000 of which $10,000 must be new money from another financial institution to obtain APY. This APY offer is limited and may be discontinued without notice at any time. Customer may not have more than $1,000,000 in the CD. An Exceptional Checking account is required to open the CD. CD qualifies towards Exceptional Checking balance. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals. Offers are subject to change and are not combinable with other offers. Other restrictions may apply. All CPB CD specials are FDIC insured, up to $250,000 per category. Full list of rates available at cpb.bank/rates/personal.
Exceptional Checking 1 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Tier 1 $0 - $9,999.99 | 0.01% | 0.01% | $500 | $0 | Daily/Monthly
Tier 2 $10,000 - $49,999.99 | 0.01% | 0.01% | $500 | $10,000 | Daily/Monthly
Tier 3 $50,000 - $249,999.99 | 0.02% | 0.02% | $500 | $50,000 | Daily/Monthly
Tier 4 $250,000 & Over | 0.03% | 0.03% | $500 | $250,000 | Daily/Monthly
Exceptional Checking 1 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Tier 1 $0 - $9,999.99 | 0.01% | 0.01% | $500 | $0 | Daily/Monthly
Tier 2 $10,000 - $49,999.99 | 0.01% | 0.01% | $500 | $10,000 | Daily/Monthly
Tier 3 $50,000 - $249,999.99 | 0.02% | 0.02% | $500 | $50,000 | Daily/Monthly
Tier 4 $250,000 & Over | 0.03% | 0.03% | $500 | $250,000 | Daily/Monthly
Exceptional Choice Checking 2 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.02% | 0.02% | $500 | $0 | Daily/Monthly
Tier 1 $0 - $25,000 | 0.10% | 0.10% | $500 | $0 | Daily/Monthly
Tier 2 $25,000.01 & Over | 0.02% | 0.10%-0.05% 3 | $500 | $25,000.01 | Daily/Monthly
Exceptional Choice Checking 2 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.02% | 0.02% | $500 | $0 | Daily/Monthly
Tier 1 $0 - $25,000 | 0.10% | 0.10% | $500 | $0 | Daily/Monthly
Tier 2 $25,000.01 & Over | 0.02% | 0.10%-0.05% 3 | $500 | $25,000.01 | Daily/Monthly
Our Exceptional Choice Checking account has a special feature that pays a higher interest rate and APY on
The APYs shown are for representative balances of $25,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate.
Balance Tiers | Base Interest Rate | Reward Interest Rate 1 | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded / Paid
Standard Rate | 0.03% | - | 0.03% | $25 | $0 | Daily / Monthly
Tier 1 $0 - $20,000 | 0.03% | 0.97% | 1.00% | $25 | $0 | Daily / Monthly (Base) Monthly / Monthly (Reward)
Tier 2 $20,000.01 & Over | 0.03% | - | 1.00% - 0.21% 3 | $25 | $20,000.01 | Daily / Monthly
Balance Tiers | Base Interest Rate | Reward Interest Rate 1 | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded / Paid
Standard Rate | 0.03% | - | 0.03% | $25 | $0 | Daily / Monthly
Tier 1 $0 - $20,000 | 0.03% | 0.97% | 1.00% | $25 | $0 | Daily / Monthly (Base) Monthly / Monthly (Reward)
Tier 2 $20,000.01 & Over | 0.03% | - | 1.00% - 0.21% 3 | $25 | $20,000.01 | Daily / Monthly
[1] Our Shaka account has a special feature that pays a higher interest rate (Reward Interest Rate) and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:
[3] The APYs shown are for representative balances of $20,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate. Specifically, if you meet all the transaction requirements above during a calendar month, an APY of 1.00% would apply to account balances between $0 and $20,000. For account balances in excess of $20,000:
An APY of 1.00% would apply to the first $20,000 of the total account balance; and
An APY of 0.03% would apply to any portion of the account balance in excess of $20,000 (i.e., is equal to or greater than $20,000.01).
Value Plus Checking 1 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 3 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.02% | 0.02% | $50 | $0 | Daily/Monthly
Tier 1 $0 - $25,000 | 0.10% | 0.10% | $50 | $0 | Daily/Monthly
Tier 2 $25,000.01 & Over | 0.02% | 0.10%-0.05% 2 | $50 | $25,000.01 | Daily/Monthly
Value Plus Checking 1 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 3 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.02% | 0.02% | $50 | $0 | Daily/Monthly
Tier 1 $0 - $25,000 | 0.10% | 0.10% | $50 | $0 | Daily/Monthly
Tier 2 $25,000.01 & Over | 0.02% | 0.10%-0.05% 2 | $50 | $25,000.01 | Daily/Monthly
Our Value Plus Checking account has a special feature that pays a higher interest rate and APY on Tier 1 balances if you meet ALL of the following transaction requirements during the calendar month:
2. The APYs shown are for representative balances of $25,000.01 and $100,000. The APY decreases for larger balances because more interest is earned at the lower interest rate.
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
7 - 31 day CD | 0.01% | 0.01% | $500 | $500
32 - 90 day CD | 0.01% | 0.01% | $500 | $500
91 - 180 day CD (3 months to less than 6 months) | 0.01% | 0.01% | $500 | $500
181 - 364 day CD (6 months to less than 1 year) | 0.02% | 0.02% | $500 | $500
12 - 23 month CD | 0.04% | 0.04% | $500 | $500
24 - 35 month CD | 0.06% | 0.06% | $500 | $500
36 - 47 month CD | 0.08% | 0.08% | $500 | $500
48 - 59 month CD | 0.08% | 0.08% | $500 | $500
5 - 8 year CD | 0.13% | 0.13% | $500 | $500
APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
Exceptional Preferred CD 6-11 month | 0.08% | 0.08% | $500 | $500
Exceptional Preferred CD 12-23 month | 0.13% | 0.13% | $500 | $500
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
Exceptional Preferred CD 6-11 month | 0.08% | 0.08% | $500 | $500
Exceptional Preferred CD 12-23 month | 0.13% | 0.13% | $500 | $500
APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Minimum End-of-Term Balance
12 months | 0.08% | 0.08% | $1,000 | $1,000 | $5,000
18 months | 0.08% | 0.08% | $1,000 | $1,000 | $5,000
36 months | 0.13% | 0.13% | $1,000 | $1,000 | $5,000
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Minimum End-of-Term Balance
12 months | 0.08% | 0.08% | $1,000 | $1,000 | $5,000
18 months | 0.08% | 0.08% | $1,000 | $1,000 | $5,000
36 months | 0.13% | 0.13% | $1,000 | $1,000 | $5,000
APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
7 - 31 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
32 - 90 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
91 - 180 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
181 - 364 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
12 - 23 month Jumbo CD | 0.08% | 0.08% | $100,000 | $100,000
24 - 35 month Jumbo CD | 0.08% | 0.08% | $100,000 | $100,000
36 - 47 month Jumbo CD | 0.13% | 0.13% | $100,000 | $100,000
48 - 59 month Jumbo CD | 0.13% | 0.13% | $100,000 | $100,000
5- 8 year Jumbo CD | 0.23% | 0.23% | $100,000 | $100,000
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
7 - 31 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
32 - 90 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
91 - 180 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
181 - 364 day Jumbo CD | 0.03% | 0.03% | $100,000 | $100,000
12 - 23 month Jumbo CD | 0.08% | 0.08% | $100,000 | $100,000
24 - 35 month Jumbo CD | 0.08% | 0.08% | $100,000 | $100,000
36 - 47 month Jumbo CD | 0.13% | 0.13% | $100,000 | $100,000
48 - 59 month Jumbo CD | 0.13% | 0.13% | $100,000 | $100,000
5- 8 year Jumbo CD | 0.23% | 0.23% | $100,000 | $100,000
APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the CD account. A penalty will be imposed for early withdrawals.
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
181 - 364 day IRA | 0.02% | 0.02% | $500 | $500
1 year IRA | 0.04% | 0.04% | $500 | $500
2 year IRA | 0.06% | 0.06% | $100 | $100
3 year IRA | 0.08% | 0.08% | $100 | $100
4 year IRA | 0.08% | 0.08% | $100 | $100
5 - 8 year IRA | 0.13% | 0.13% | $100 | $100
18 month Variable Rate IRA (1) | 0.04% | 0.04% | $25 | $25
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
181 - 364 day IRA | 0.02% | 0.02% | $500 | $500
1 year IRA | 0.04% | 0.04% | $500 | $500
2 year IRA | 0.06% | 0.06% | $100 | $100
3 year IRA | 0.08% | 0.08% | $100 | $100
4 year IRA | 0.08% | 0.08% | $100 | $100
5 - 8 year IRA | 0.13% | 0.13% | $100 | $100
18 month Variable Rate IRA (1) | 0.04% | 0.04% | $25 | $25
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
Exceptional Preferred IRA 6-11 month | 0.08% | 0.08% | $500 | $500
Exceptional Preferred IRA 12-23 month | 0.13% | 0.13% | $500 | $500
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest
Exceptional Preferred IRA 6-11 month | 0.08% | 0.08% | $500 | $500
Exceptional Preferred IRA 12-23 month | 0.13% | 0.13% | $500 | $500
(A minimum deposit of $20,000 of which $10,000 must be from another financial institution to obtain APY; Must have a CPB Exceptional Checking Account 2 .)
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 3 to Earn Interest
Exceptional Preferred IRA - 6 month 1 | 3.15% | 3.15% | $20,000 | $20,000
Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 3 to Earn Interest
Exceptional Preferred IRA - 6 month 1 | 3.15% | 3.15% | $20,000 | $20,000
Limited time offer. The minimum balance required to open and obtain the 3.15% APY is $20,000 of which $10,000 must be new money from another financial institution to obtain APY. This APY offer is limited and may be discontinued without notice at any time. Customer may not have more than $1,000,000 in the IRA. An Exceptional Checking account is required to open the IRA. IRA qualifies towards Exceptional Checking balance. APY assumes interest will remain on deposit until maturity. Fees may reduce the earnings on the IRA account. A penalty will be imposed for early withdrawals. Offers are subject to change and are not combinable with other offers. Other restrictions may apply. All CPB IRA specials are FDIC insured, up to $250,000 per category. Full list of rates available at cpb.bank/rates/personal.
Exceptional Savings 2 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Tier 1 $0 - $19,999.99 | 0.02% | 0.02% | $500 | $0 | Daily/Quarterly
Tier 2 $20,000 - $49,999.99 | 0.02% | 0.02% | $500 | $20,000 | Daily/Quarterly
Tier 3 $50,000 - $74,999.99 | 0.03% | 0.03% | $500 | $50,000 | Daily/Quarterly
Tier 4 $75,000 - $149,999.99 | 0.03% | 0.03% | $500 | $75,000 | Daily/Quarterly
Tier 5 $150,000 - $249,999.99 | 0.03% | 0.03% | $500 | $150,000 | Daily/Quarterly
Tier 6 $250,000 - $499,999.99 | 0.03% | 0.03% | $500 | $250,000 | Daily/Quarterly
Tier 7 $500,000 - $999,999.99 | 0.03% | 0.03% | $500 | $500,000 | Daily/Quarterly
Tier 8 $1,000,000 & Over | 0.03% | 0.03% | $500 | $1,000,000 | Daily/Quarterly
Exceptional Savings 2 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Tier 1 $0 - $19,999.99 | 0.02% | 0.02% | $500 | $0 | Daily/Quarterly
Tier 2 $20,000 - $49,999.99 | 0.02% | 0.02% | $500 | $20,000 | Daily/Quarterly
Tier 3 $50,000 - $74,999.99 | 0.03% | 0.03% | $500 | $50,000 | Daily/Quarterly
Tier 4 $75,000 - $149,999.99 | 0.03% | 0.03% | $500 | $75,000 | Daily/Quarterly
Tier 5 $150,000 - $249,999.99 | 0.03% | 0.03% | $500 | $150,000 | Daily/Quarterly
Tier 6 $250,000 - $499,999.99 | 0.03% | 0.03% | $500 | $250,000 | Daily/Quarterly
Tier 7 $500,000 - $999,999.99 | 0.03% | 0.03% | $500 | $500,000 | Daily/Quarterly
Tier 8 $1,000,000 & Over | 0.03% | 0.03% | $500 | $1,000,000 | Daily/Quarterly
Exceptional Super Savings 3 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.03% | 0.03% | $100 | $0 | Daily/Monthly
Tier 1 $0 - $9,999.99 | 0.04% | 0.04% | $100 | $0 | Daily/Monthly
Tier 2 $10,000 - $24,999.99 | 0.04% | 0.04% | $100 | $10,000 | Daily/Monthly
Tier 3 $25,000 - $99,999.99 | 0.04% | 0.04% | $100 | $25,000 | Daily/Monthly
Tier 4 $100,000 & Over | 0.05% | 0.05% | $100 | $100,000 | Daily/Monthly
Exceptional Super Savings 3 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 4 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.03% | 0.03% | $100 | $0 | Daily/Monthly
Tier 1 $0 - $9,999.99 | 0.04% | 0.04% | $100 | $0 | Daily/Monthly
Tier 2 $10,000 - $24,999.99 | 0.04% | 0.04% | $100 | $10,000 | Daily/Monthly
Tier 3 $25,000 - $99,999.99 | 0.04% | 0.04% | $100 | $25,000 | Daily/Monthly
Tier 4 $100,000 & Over | 0.05% | 0.05% | $100 | $100,000 | Daily/Monthly
Our Exceptional Super Savings account has a special feature that pays a higher interest rate and APY if ALL of the following transaction requirements are met during the calendar month:
Personal Savings | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded/Paid
Personal Savings | 0.02% | 0.02% | $100 | $0 | Daily/Quarterly
Personal Savings | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded/Paid
Personal Savings | 0.02% | 0.02% | $100 | $0 | Daily/Quarterly
Personal Super Savings 1 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.03% | 0.03% | $100 | $0 | Daily/Monthly
Tier 1 $0 - $9,999.99 | 0.04% | 0.04% | $100 | $0 | Daily/Monthly
Tier 2 $10,000 - $24,999.99 | 0.04% | 0.04% | $100 | $10,000 | Daily/Monthly
Tier 3 $25,000 - $99,999.99 | 0.04% | 0.04% | $100 | $25,000 | Daily/Monthly
Tier 4 $100,000 & Over | 0.04% | 0.04% | $100 | $100,000 | Daily/Monthly
Personal Super Savings 1 | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded/Paid
Standard Rate | 0.03% | 0.03% | $100 | $0 | Daily/Monthly
Tier 1 $0 - $9,999.99 | 0.04% | 0.04% | $100 | $0 | Daily/Monthly
Tier 2 $10,000 - $24,999.99 | 0.04% | 0.04% | $100 | $10,000 | Daily/Monthly
Tier 3 $25,000 - $99,999.99 | 0.04% | 0.04% | $100 | $25,000 | Daily/Monthly
Tier 4 $100,000 & Over | 0.04% | 0.04% | $100 | $100,000 | Daily/Monthly
Starter Savings | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded/Paid
Starter Savings | 0.02% | 0.02% | $10 | $0 | Daily/Quarterly
Starter Savings | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Open | Minimum Balance 2 to Earn Interest | Interest Compounded/Paid
Starter Savings | 0.02% | 0.02% | $10 | $0 | Daily/Quarterly
Our Personal Super Savings account has a special feature that pays a higher interest rate and APY if ALL of the following transaction requirements are met during the calendar month: -One deposit of $25.00 or more made during the calendar month. If the deposit is made by automatic transfer from a CPB deposit account or an account at another financial institution, the automatic transfer must be scheduled no later than the 25th of the month, and
Rates | Annual Percentage Rate (APR) | Points | Down Payment | Monthly Payment (P & I) 1
Jumbo 30-Year Fixed 3 | 6.875% | 7.172 | 1.50 | 20% | $656.93
30-Year Fixed 2 | 7.000% | 7.327 | 1.750 | 20% | $665.30
15-Year Fixed 2 | 6.250% | 6.872 | 2.000 | 20% | $857.42
Rates | Annual Percentage Rate (APR) | Points | Down Payment | Monthly Payment (P & I) 1
Jumbo 30-Year Fixed 3 | 6.875% | 7.172 | 1.50 | 20% | $656.93
30-Year Fixed 2 | 7.000% | 7.327 | 1.750 | 20% | $665.30
15-Year Fixed 2 | 6.250% | 6.872 | 2.000 | 20% | $857.42
Foreign Currency | CPB "Sell" to Customer
Japanese Yen (JPY) | 153.40
Australian Dollar (AUD) | 0.7413
Canadian Dollar (CAD) | 0.7450
European Union Euro (EUR) | 1.1843
British Pound Sterling (GBP) | 1.4126
Singapore Dollar (SGD) | 0.8195
Korean South Won (KRW) | 0.0008022