Personal Rates
Interest rates and annual percentage yields are subject to change without notice. Fees may reduce earnings on accounts. If you would like more information or have questions about this rate schedule, please contact our Customer Service Center at 808-544-0500.
Annual Percentage Yields and Interest Rates effective as of 10/1/26:
To view other rates we offer, see product list below:
Limited time offer.
Exceptional Preferred Certificate of Deposit (CD) Special 1
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.
-
As long as you are a Consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit.
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.
-
The combined minimum balance is $10,000 to avoid a monthly service charge of $20.
-
This is the daily balance (i.e., the amount of principal in the account each day.)
Consumer Exceptional Plan Checking Accounts
Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.
|
Exceptional Checking1
|
Interest
Rate
|
Annual
Percentage
Yield (APY)
|
Minimum
Balance to
Open
|
Minimum
Balance4 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 Checking2 |
Interest
Rate
|
Annual
Percentage
Yield (APY)
|
Minimum
Balance to
Open
|
Minimum
Balance4 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
|
-
The interest rate is determined by the balance tier and is paid on the entire balance of the account.
-
Our Exceptional Choice 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:
15 or more debit card transactions (point of-sale purchases) post to your account during the month (ATM transactions do not qualify);
A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments (transfers from one account to another do not qualify); and,
Maintain our Check Safekeeping service on your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).
When you meet all the transaction requirements depending on your balance two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.
-
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.
-
This is the daily balance (i.e., the amount of principal in the account each day).
Shaka Checking Account
Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.
|
Balance Tiers
|
Base Interest Rate
|
Reward Interest Rate1
|
Annual Percentage Yield (APY)
|
Minimum Balance to Open
|
Minimum Balance2 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
|
-
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:
15 or more debit card transactions (point of-sale purchases) post to your account during the month totaling $75 or more (ATM transactions do not qualify); and
A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments of $25 or more (transfers from one account to another do not qualify).
When you meet all the transaction requirements, depending on your account balance, two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the Standard Rate Tier noted above will apply to your entire balance. The maximum monthly Reward Interest Rate earnings is $17.
-
This is the daily balance (i.e., the amount of principal in the account each day).
-
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).
Consumer Checking Accounts
Interest Rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.
|
Value Plus Checking1
|
Interest
Rate
|
Annual
Percentage
Yield (APY)
|
Minimum
Balance to
Open
|
Minimum
Balance3 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:
15 or more debit card transactions (point of-sale purchases) post to your account during the month (ATM transactions do not qualify);
A qualified direct deposit is credited to your account during the month. A qualified direct deposit is a recurring electronic deposit of paychecks, Social Security benefits, or other regularly scheduled income payments (transfers from one account to another do not qualify); and,
Maintain our Check Safekeeping service on your account for your canceled checks (i.e., you do not get your canceled checks or images of your canceled checks with your statements).
When you meet all the transaction requirements depending on your balance two different interest rates and APYs could be paid on your account during the month. The tiered interest rates and APYs shown above will be paid only on that portion of your balance that is within the tier range. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.
-
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.
-
This is the daily balance (i.e., the amount of principal in the account each day).
Certificates of Deposit (CD)1
Fees may reduce earnings on accounts.
|
|
Interest
Rate
|
Annual Percentage Yield (APY)
|
Minimum Balance to Open
|
Minimum Balance2 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.
-
This is the daily balance (i.e., the amount of principal in the account each day).
|
|
Interest
Rate
|
Annual
Percentage
Yield (APY)
|
Minimum Balance to
Open
|
Minimum Balance2 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.
-
This is the daily balance (i.e., the amount of principal in the account each day).
-
As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred Certificates of Deposit.
|
|
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.
-
This is the daily balance (i.e., the amount of principal in the account each day).
-
To determine the minimum amount to transfer monthly, see branch for details. At maturity, Smart Saver CDs automatically close and funds are transferred to the same account that the deposits came from. If requirements are not met (i.e., the automatic deposits are stopped before maturity) the Smart Saver CD will be closed with penalties.
Jumbo Certificates of Deposit1
Fees may reduce earnings on accounts.
|
|
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.
-
This is the daily balance (i.e., the amount of principal in the account each day).
Individual Retirement Accounts (IRA)1
Fees may reduce earnings on accounts.
|
|
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 IRA1 |
0.04% |
0.04% |
$25 |
$25 |
-
A penalty may be imposed for early withdrawal. Please consult your tax advisor for more information.
-
This is the daily balance (i.e., the amount of principal in the account each day).
Exceptional Preferred Individual Retirement Accounts (IRA)1
Fees may reduce earnings on accounts. Penalty will be imposed for early withdrawal.
|
|
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 |
-
As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Preferred IRAs.
-
This is the daily balance (i.e., the amount of principal in the account each day).
-
As long as you are a consumer Exceptional Plan customer, you may open and maintain Preferred IRAs.
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.
-
The combined minimum balance is $10,000 to avoid a monthly service charge of $20.
-
This is the daily balance (i.e., the amount of principal in the account each day).
Consumer Exceptional Plan Savings Accounts1
Interest rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.
|
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 3 $50,000 - $74,999.99 |
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 |
-
As long as you are a consumer Exceptional Plan customer, you may open and maintain Exceptional Super Savings and Exceptional Savings accounts.
-
The interest rate is determined by the balance tier and is paid on the entire balance of the account.
-
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:
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
No withdrawal is made during the calendar month.
When you meet all transaction requirements, the entire balance in your account will be paid interest according to the tier that your account balance matches; see the current interest rates above. If your Account does not meet the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.
-
This is the daily balance (i.e., the amount of principal in the account each day).
Consumer Savings Accounts
Interest rates and annual percentage yields are subject to change at any time after the account is opened. Fees may reduce earnings on accounts.
|
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 |
|
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
No withdrawal is made during the calendar month.
When you meet all transaction requirements, the entire balance in your account will be paid interest according to the tier that your account balance matches; see the current interest rates above. If your account does not meet all the transaction requirements for the tiered rates, the standard rate noted above will apply to your entire balance.
-
This is the daily balance (i.e., the amount of principal in the account each day).