DEPOSIT RATE CHART
APY Effective July 2, 2009
| Name |
Term |
Annual
Percentage
Yield (APY) |
Minimum Deposit |
Maximum Deposit |
| CD Specials |
| CD Special |
6 months |
1.00% |
$2,500.00 |
|
| CD Special |
1 year |
1.25% |
$2,500.00 |
|
| CD Special |
2 year |
2.00% |
$2,500.00 |
|
| CD Special |
3 year |
2.35% |
$2,500.00 |
|
| | |
| Name |
Tier |
Annual
Percentage
Yield (APY) |
Minimum
Balance to
Open |
Minimum
Balance to
Obtain APY |
Compound/
Interest Paid |
Exceptional Products - Checking |
| Exceptional Checking Account |
$0 - $4,999.99 |
0.03% |
$500 |
$1 |
Daily/Monthly |
| $5,000 - $9,999.99 |
0.03% |
$500 |
$5,000 |
Daily/Monthly |
| $10,000 - $24,999.99 |
0.05% |
$500 |
$10,000 |
Daily/Monthly |
| Exceptional Checking Account |
$25,000 - $49,999.99 |
0.05% |
$500 |
$25,000 |
Daily/Monthly |
| Exceptional Checking Account |
$50,000 and over |
0.10% |
$500 |
$50,000 |
Daily/Monthly |
Exceptional Products - Savings |
| Exceptional Savings Account (1) |
$1 - $19,999.99 |
0.25% |
$500 |
$1 |
Daily/Monthly |
| $20,000 - $49,999.99 |
0.30% |
$500 |
$20,000 |
Daily/Monthly |
| $50,000 - $74,999.99 |
0.30% |
$500 |
$50,000 |
Daily/Monthly |
| $75,000 - $149,999.99 |
0.35% |
$500 |
$75,000 |
Daily/Monthly |
| $150,000 - $249,999.99 |
0.40% |
$500 |
$150,000 |
Daily/Monthly |
| $250,000 - $499,999.99 |
0.50% |
$500 |
$250,000 |
Daily/Monthly |
| $500,000 - $999,999.99 |
0.60% |
$500 |
$500,000 |
Daily/Monthly |
| $1,000,000 and over |
1.00% |
$500 |
$1,000,000 |
Daily/Monthly |
| (1) Minimum balance of $10,000 includes all qualifying deposits and consumer loans. |
Personal Checking Products |
| Free Plus Checking (2) |
3.00% |
$50 |
$1 |
Daily/Monthly |
| 0.05% |
$50 |
$1 |
Daily/Monthly |
| Exceptional Choice Checking (2) |
3.00% |
$500 |
$1 |
Daily/Monthly |
| 0.05% |
$500 |
$1 |
Daily/Monthly |
| Gold Choice Checking (2) |
3.00% |
$50 |
$1 |
Daily/Monthly |
| 0.05% |
$50 |
$1 |
Daily/Monthly |
| (2) 3.00% APY will be paid on balances up to $25,000 when the required transactions are met during the calendar month. Balances over $25,000 and accounts that do not meet the required transactions during the calendar month will earn 0.05% APY. |
Business Checking Products |
| Choice Checking for Sole Proprietors (2) |
3.00% |
$100 |
$1 |
Daily/Monthly |
| 0.05% |
$100 |
$1 |
Daily/Monthly |
| Performance Business Checking |
$0 - $2,499.99 |
0.03% |
$750 |
$1 |
Daily/Monthly |
| $2,500 - $999,999.99 |
0.05% |
$750 |
$2,500 |
Daily/Monthly |
| $1,000,000 - $2,499,999 |
0.25% |
$750 |
$1,000,000 |
Daily/Monthly |
| $2,500,000 and over |
0.50% |
$750 |
$2,500,000 |
Daily/Monthly |
| (2) 3.00% APY will be paid on balances up to $25,000 when the required transactions are met during the calendar month. Balances over $25,000 and accounts that do not meet the required transactions during the calendar month will earn 0.05% APY. |
Personal Savings and Money Market Products |
| Super Savings (3) |
$0 - $9,999.99 |
2.00% |
$100 |
$1 |
Daily/Monthly |
| $10,000-$24,999.99 |
2.00% |
$100 |
$10,000 |
Daily/Monthly |
| $25,000-$99,999.99 |
2.00% |
$100 |
$25,000 |
Daily/Monthly |
| $100,000 and over |
2.00% |
$100 |
$100,000 |
Daily/Monthly |
| . |
0.05% |
$100 |
$1 |
Daily/Monthly |
| Personal Savings |
0.15% |
$100 |
$1 |
Daily/Quarterly |
| Starter Savings |
0.15% |
$10 |
$1 |
Daily/Quarterly |
| Christmas Club |
0.15% |
$1 |
$1 |
Simple/Maturity |
| (3) Introductory rate of 2.00% APY will be paid on personal account balances when the required transactions are met during the calendar month. Accounts that do not meet the required transactions during the calendar month will earn 0.05% APY. |
Business Savings and Money Market Products |
| Business Savings |
0.15% |
$100 |
$1 |
Daily/Quarterly |
| Super Savings (3) |
$0-$9,999.99 |
1.75% |
$100 |
$1 |
Daily/Monthly |
| $10,000-$24,999.99 |
1.75% |
$100 |
$10,000 |
Daily/Monthly |
| $25,000-$99,999.99 |
1.75% |
$100 |
$25,000 |
Daily/Monthly |
| $100,000 and over |
1.75% |
$100 |
$100,000 |
Daily/Monthly |
| . |
0.05% |
$100 |
$1 |
Daily/Monthly |
| Business Money Market Savings |
$0 - $19,999.99 |
0.20% |
$5,000 |
$1 |
Daily/Monthly |
| $20,000 - $49,999.99 |
0.25% |
$5,000 |
$20,000 |
Daily/Monthly |
| $50,000 - $99,999.99 |
0.30% |
$5,000 |
$50,000 |
Daily/Monthly |
| $100,000 - $249,999.99 |
0.50% |
$5,000 |
$100,000 |
Daily/Monthly |
| $250,000 - $999,999.99 |
0.50% |
$5,000 |
$250,000 |
Daily/Monthly |
| $1,000,000 and over |
0.85% |
$5,000 |
$1,000,000 |
Daily/Monthly |
| IOLTA |
0.18% |
$100 |
$1 |
Daily/Monthly |
| (3) Introductory rate of 1.75% APY will be paid on business account balances when the required transactions are met during the calendar month. Accounts that do not meet the required transactions during the calendar month will earn 0.05% APY. |
Certificate of Deposits |
| 7 - 31 days |
0.15% |
$500 |
$500 |
- |
| 32 - 90 days |
0.25% |
$500 |
$500 |
- |
| 91 - 180 days |
0.25% |
$500 |
$500 |
- |
| 181 - 364 days |
0.40% |
$500 |
$500 |
- |
| 1 year - 2 years |
0.60% |
$500 |
$500 |
- |
| 25 Month Flexible CD (1) |
0.75% |
$10,000 |
$10,000 |
- |
| 2 years - 3 years |
0.75% |
$500 |
$500 |
- |
| 3 years - 4 years |
0.90% |
$500 |
$500 |
- |
| 4 years - 5 years |
1.00% |
$500 |
$500 |
- |
| 5 years & above |
1.25% |
$500 |
$500 |
- |
| 6 months Preferred CD |
0.65% |
$500 |
$500 |
- |
| 12 months Preferred CD |
0.85% |
$500 |
$500 |
- |
| (1) The 25 Month Flexible CD is no longer offered. The rate is posted as an indicative rate. Customers have the option of increasing the rate once during the 25 month period. |
Jumbo Certificate of Deposits |
| 14 - 31 days |
0.15% |
$100,000 |
$100,000 |
- |
| 32 - 90 days |
0.25% |
$100,000 |
$100,000 |
- |
| 91 - 180 days |
0.30% |
$100,000 |
$100,000 |
- |
| 181 - 364 days |
0.60% |
$100,000 |
$100,000 |
- |
| 1 year - 2 years |
0.70% |
$100,000 |
$100,000 |
- |
| 2 years - 3 years |
1.00% |
$100,000 |
$100,000 |
- |
| 3 years - 4 years |
1.25% |
$100,000 |
$100,000 |
- |
| 4 years - 5 years |
1.50% |
$100,000 |
$100,000 |
- |
| 5 years & above |
1.75% |
$100,000 |
$100,000 |
- |
Smart Saver Certificate of Deposits |
| 12 months (2) |
1.25% |
$1,000 |
$1,000 |
- |
| 18 months (2) |
1.25% |
$1,000 |
$1,000 |
- |
| 36 months (2) |
1.45% |
$1,000 |
$1,000 |
- |
| (2) The Smart Saver CD requires automatic deposits on the 22nd of each month from a CPB account and an end of term minimum amount of $5,000. At maturity, Smart Saver CDs automatically close and funds are transferred to the same account that the deposits came from. |
Individual Retirement Accounts |
| 181 - 364 days |
0.40% |
$500 |
$500 |
- |
| 1 year - 2 years |
0.60% |
$500 |
$500 |
- |
| 2 years - 3 years |
0.75% |
$100 |
$100 |
- |
| 3 years - 4 years |
0.90% |
$100 |
$100 |
- |
| 4 years - 5 years |
1.00% |
$100 |
$100 |
- |
| 5 years - 8 years |
1.25% |
$100 |
$100 |
- |
| 18 months variable rate |
0.60% |
$25 |
$25 |
- |
| 6 months Preferred IRA |
0.75% |
$500 |
$500 |
- |
| 12 months Preferred IRA |
1.00% |
$500 |
$500 |
- |
Jumbo Individual Retirement Accounts |
| 181 - 364 days |
0.60% |
$100,000 |
$100,000 |
- |
| 1 year - 2 years |
0.70% |
$100,000 |
$100,000 |
- |
| 2 years - 3 years |
1.00% |
$100,000 |
$100,000 |
- |
| 3 years - 4 years |
1.25% |
$100,000 |
$100,000 |
- |
| 4 years - 5 years |
1.50% |
$100,000 |
$100,000 |
- |
| 5 years - 8 years |
1.75% |
$100,000 |
$100,000 |
- |
| 18 months variable rate |
0.95% |
$100,000 |
$100,000 |
- |
|
For current rate information, using a touch-tone phone, call INFOLINE at 522-2222(neighbor island, call 1-800-342-8422), or
call any Central Pacific Bank branch office. For certificates of deposits, annual percentage yield assumes interest will remain on
deposit until maturity and a penalty may be imposed for early withdrawal. Fees may reduce earnings.
Interest rates and annual percentage yields are subject to change on a daily basis.
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