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Central Pacific Bank


Overview / Commentary
www.cpb.bank
808-544-0500
220 South King Street
Honolulu, HI 96813

Central Pacific Bank is headquartered in HONOLULU and is the 4th largest bank in the state of Hawaii. It is also the 208th largest bank in the nation. It was established in 1954 and as of June of 2024, it had grown to 726 employees at 27 locations. Central Pacific Bank has a B+ health rating.

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Reviews (2)

Avoid CPB For Loans

Posted by: |

CPB uses Dovenmuehle Mortgage in Illinois as their customer service department for all things mortgage. Besides Dovenmuehle being a bear to deal with (never talk with the same person twice, email is inbound only, each representative has their own take on things, speed of molasses on everything), they are also totally screwing me on my escrow tax payments by WAY over-charging. In my case $36,000 per year more than I should be paying. I have documented the new county assessments with documents sent to me from the county to no avail. The more you push the more they reply that they are only doing what they see is required by law.

1

"I Guess I Can Help You!"

Posted by: |

I walked into the Kaneohe Branch on Monday, 9/19. I went there with the intent to open a second account and to ask about CDs. I noticed 2 employees talking with each other for a few minutes at the "new account" desk. I didn't mind at all and waited patiently. When they were done talking, I walked over to the desk and politely asked if there was a sign-in sheet for me to meet with someone (it was something I was used to and past practice at this particular location).
He then looked up at me when he heard my voice and rudely responded, "I GUESS I CAN HELP YOU?!"

It was so unexpected, I was taken by surprise (before anger set in). With a welcome like that, I said to him,
"FORGET IT! I'LL TAKE MY BUSINESS ELSEWHERE!"

He tried to make up excuses as to why he said that to me. Instead, he made me feel like an inconvenience as if I walked in that afternoon intentionally to disrupt and ruin his day!

I've been banking there for 15 years and have never been treated with such disrespect!
I'm now researching other banks!

2


Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #17308
Year Established1954
Employees726
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD11.2%
Annual Interest Income$150.2MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$7.37B$7.55B
LoansQ2 2024vs Q2 2023$5.33B$5.46B
DepositsQ2 2024vs Q2 2023$6.61B$6.82B
Equity CapitalQ2 2024vs Q2 2023$591MM$553.7MM
Loan Loss AllowanceQ2 2024vs Q2 2023$62.2MM$63.8MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$12.6MM$14.4MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Central Pacific Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Central Pacific Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.06%$100k-Business Super Savings
0.05%$100k-Exceptional Super Savings
0.04%$0-Personal Super Savings
0.03%*$50k*-Exceptional Savings
OTHER TIERS: 0.02% → $0 - $50k
0.02%$0-Business Savings
0.02%$0-Personal Savings
0.02%$0-Starter Savings

Central Pacific Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.06%*$1m*-Business Money Market Savings
OTHER TIERS: 0.03% → $0 - $20k | 0.04% → $20k - $100k | 0.05% → $100k - $1m

Central Pacific Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$0$20kShaka Checking - Online Only
OTHER TIERS: 0.03% → $20k+
0.10%$0$25kExceptional Choice Checking
0.10%*$0$25kValue Plus Checking
OTHER TIERS: 0.02% → $25k+
0.04%*$1m*-Performance Business Checking
OTHER TIERS: 0.02% → $0 - $1m
0.03%*$250k*-Exceptional Checking
OTHER TIERS: 0.01% → $0 - $50k | 0.02% → $50k - $250k

Central Pacific Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$20k$1mBusiness 6 Month CD Special - New Money w/Checking
4.40%$20k$1m6 Month Exceptional Preferred CD Special - New Money w/Checking
0.23%$100k-5 - 8 Year Jumbo CD
0.13%$500-5 - 8 Year CD
0.13%$500-12- 23 Month Exceptional Preferred CD
0.13%$100k-36 - 47 Month Jumbo CD
0.13%$100k-48 - 59 Month Jumbo CD
0.13%$1k-36 Month Smart Saver CD
0.13%$500-Business 5 - 8 Year CD
0.08%$500-36 - 47 Month CD
0.08%$500-48 - 59 Month CD
0.08%$500-6-11 Month Exceptional Preferred CD
0.08%$100k-12 - 23 Month Jumbo CD
0.08%$100k-24 - 35 Month Jumbo CD
0.08%$1k-12 Month Smart Saver CD
0.08%$1k-18 Month Smart Saver CD
0.08%$500-Business 36 - 47 Month CD
0.08%$500-Business 48 - 59 Month CD
0.06%$500-24 - 35 Month CD
0.06%$500-Business 24 - 35 Month CD
0.04%$500-12 - 23 Month CD
0.04%$500-Business 12 - 23 Month CD
0.03%$100k-32 - 90 Day Jumbo CD
0.03%$100k-91 - 180 Day Jumbo CD
0.03%$100k-181 - 364 Day Jumbo CD
0.03%$100k-7 - 31 Day Jumbo CD
0.02%$500-181 - 364 Day CD
0.02%$500-Business 181 - 364 Day CD
0.01%$500-7 - 31 Day CD
0.01%$500-32 - 90 Day CD
0.01%$500-91 - 180 Day CD
0.01%$500-Business 7 - 31 Day CD
0.01%$500-Business 32 - 90 Day CD
0.01%$500-Business 91 - 180 Day CD

Central Pacific Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$20k-6 Month Exceptional Preferred IRA Special
0.13%$500-12 - 23 Month Exceptional Preferred IRA
0.13%$100-5 - 8 Year IRA
0.08%$500-6 - 11 Month Exceptional Preferred IRA
0.08%$100-3 Year IRA
0.08%$100-4 Year IRA
0.06%$100-2 Year IRA
0.04%$500-1 Year IRA
0.04%$25-18 Month Variable IRA
0.02%$500-181 - 364 Day IRA
Locations

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