Central Pacific Bank

Overview / Commentary
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 201st largest bank in the nation. It was established in 1954 and as of September of 2021, it had grown to 800 employees at 31 locations. Central Pacific Bank has an A health rating.

Reviews (6)


Central Pacific Bank is a great local bank. I went there to sign up for a bank account and they were really helpful and got me a fee free checking account really quickly. The whole process only took a few minutes and the lady who helped me was really nice and considerate. They even provided a welcome kit for me that included a lot of information on how the checking account worked and any fees that would be associated with using the account. They gave me a lot of stuff right there, I didn't have to wait for them to mail me the information or anything. They just handed it to me right there so I would be able to acquaint myself with with account.

CPB One Of The Best

Posted by: |

Branch tellers and personal bankers at the Main, Waikiki and Mapunapuna branches have always been courteous and helpful to me. Online banking is easy and convenient. Yeah, I know this sounds like a commercial but I'm actually a very satisfied customer. Been one for seventeen years.

CPB is a nice local bank.

Posted by: |

CPB is a nice local bank. I went there to sign up for a bank account and they were really helpful and got me a fee free checking account really quickly. The whole process only required a brief period and the lady who helped me was really nice and helpful. They even provided a welcome pack for me that included an overview on how the checking account worked and any fees that would be charged for using the account. They gave me a lot of the overview there, I didn't have to wait for them to mail me the overview or anything. They just handed the overview to me there so I would be able to familiarize myself with my account.

Horrible Hidden ATM Fees

Posted by: |

I was with Central Pacific Bank for over three years and loved it! Always very friendly tellers, gorgeous downtown bank lobby, I got interest in my checking account and up to $3 per ATM surcharge for non-CPB ATMs refunded to me up to $20 a month. Mid-September they switched their debit cards from Visa to Mastercard, slightly annoying but not a big deal since I didn't have any bills or anything tied to the card.

A few days later I look at my online bank account and there were two $1.50 ATM fees from when I'd used a Bank Of Hawaii ATM with my new card. Strange. I started poking around their website to see if the switch over to Mastercard had somehow changed my account. Turns out as of September 17th they no longer refund the surcharges AND tack on their $1.50 ATM fee for non-CPB ATMs unless you pay $60 a year to upgrade your checking account! Way to go for making a huge fuss over the switch from Visa to Mastercard and then sticking me with $8 in ATM surcharges and fees for TWO transactions ($4 a pop!) without so much as a letter clearly explaining the change. I wrote them a letter expressing my displeasure (no response yet) and opened a new account at Aloha Pacific FCU the next day and am just waiting for everything to settle in my account before I go shut it down. Horrible way to do business.

Do Not Bank With Central Pacific Bank!!

Posted by: |

They don't care about people!  I had hoped that I would be a new owner of one of the units at the Pensacola Chelsea in Makiki.  It was affordable and would have been a brand new building in town.  I can barely afford anything in town and this one gave me hope!  It was priced at about 300K.  It would have been my first time buying a home (condo).  I was excited about it and ready to purchase when all of a sudden I get a letter from the agent for the developer stating the Central Pacific Bank did not approve the extension on the project and the project went into foreclosure.  I found out that Central Pacific Bank did not grant the extension because they wanted to see if they could get more.  To make a long story short, they we lost the property because Central Pacific Bank wanted more money!!  They didn't care who they hurt; all to make a few extra bucks!  How greedy these banks are!!  Please do not bank with Central Pacific Bank!  This is in Hawaii and it's sad that they have no ALOHA!  I ask that you please do not support them!!


ABSOLUTELY TERRIBLE! My checks come from the mainland and they have to hold each one for over half a month! I should just now be getting my check from JANUARY today, but I wouldn't be surprised if they managed to screw that up.  I just tried signing up for online banking to actually see if they could do something right and tell me if my money is actually in the and it says that the bank has denied my card when I should have 1500 dollars in there right now.  It's pathetic. I also signed up for a loan the first day I got an account because I needed money right then considering they were holding 1500 dollars.  A week later and I still had no response as to whether I had gotten the loan or not.  Finally, after my third time going in, they call the people in charge of passing the loan and tell me that they're on a lunch break, can't get ahold of them and asked for a number they could call me at WHEN I HAD ALREADY GIVEN THEM MY NUMBER and within the next several hours, I find that my loan was denied.  I have 60,000 on a CD and have taken out loans before and it's denied now? Overall, this is a terrible bank and they don't deserve to have any customers.  I'd be embarassed to work here.


Health Grade Components

FDIC Certificate #17308
Year Established1954
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD12.9%
Annual Interest Income$163.7MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$7.29B$6.64B
LoansQ3 2021vs Q3 2020$4.98B$4.97B
DepositsQ3 2021vs Q3 2020$6.53B$5.69B
Equity CapitalQ3 2021vs Q3 2020$642.0MM$578.5MM
Loan Loss AllowanceQ3 2021vs Q3 2020$74.6MM$80.5MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$7.8MM$13.9MM
Real Estate OwnedQ3 2021vs Q3 2020$0$128.00K
Report an Issue

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

0.06%$100k-Business Super Savings
0.05%$100k-Exceptional Super Savings
0.04%$100k-Personal Super Savings
0.03%*$50k*-Exceptional Savings
OTHER TIERS: 0.02% Up to $50k
0.02%--Business Savings
0.02%--Personal Savings
0.02%--Starter Savings

Central Pacific Bank Money Market Rates

0.06%*$1m*-Business Money Market Savings
OTHER TIERS: 0.03% Up to $20k | 0.04% $20k - $100k | 0.05% $100k - $1m

Central Pacific Bank Checking Account Rates

0.50%*-$20kShaka Checking - Online Only
OTHER TIERS: 0.03% $20k+
0.10%-$25kExceptional Choice Checking
0.10%*-$25kValue Plus Checking
OTHER TIERS: 0.02% $25k+
0.04%*$1m*-Performance Business Checking
OTHER TIERS: 0.02% Up to $1m
0.03%*$250k*-Exceptional Checking
OTHER TIERS: 0.01% Up to $50k | 0.02% $50k - $250k

Central Pacific Bank CD Rates

0.33%$2.5k-5 Year CD Special
0.33%$2.5k-Business 5 Year CD Special
0.23%$2.5k-3 Year CD Special
0.23%$100k-5 - 8 Year Jumbo CD
0.23%$2.5k-Business 3 Year CD Special
0.23%$100k-Business 5 - 8 Year Jumbo CD
0.13%$2.5k-2 Year CD Special
0.13%$500-5 - 8 Year CD
0.13%$500-12 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%$2.5k-Business 2 Year CD Special
0.13%$100k-Business 36 - 47 Month Jumbo CD
0.13%$100k-Business 48 - 59 Month Jumbo CD
0.13%$500-Business 5 - 8 Year CD
0.08%$2.5k-1 Year CD Special
0.08%$500-36 - 47 Month CD
0.08%$500-48 - 59 Month CD
0.08%$500-6 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%$2.5k-Business 1 Year CD Special
0.08%$100k-Business 12 - 23 Month Jumbo CD
0.08%$100k-Business 24 - 35 Month Jumbo 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-Business 32 - 90 Day Jumbo CD
0.03%$100k-Business 91 - 180 Day Jumbo CD
0.03%$100k-Business 181 - 364 Day Jumbo CD
0.03%$100k-7 - 31 Day Jumbo CD
0.03%$100k-Business 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

0.23%$100k-5 - 8 Year Jumbo IRA
0.13%$500-12 Month Exceptional Preferred IRA
0.13%$100k-3 Year Jumbo IRA
0.13%$100k-4 Year Jumbo IRA
0.13%$100-5 - 8 Year IRA
0.08%$500-6 Month Exceptional Preferred IRA
0.08%$100k-1 Year Jumbo IRA
0.08%$100k-18 Month Variable Jumbo IRA
0.08%$100k-2 Year Jumbo 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
0.03%$100k-181 - 364 Day Jumbo IRA
0.02%$500-181 - 364 Day IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.