skip to main content

Leaving Website Disclosure

This link will redirect you to a site that may have certain associated risks, including not being insured by federal deposit insurance.

To remain at our site, click BACK. To leave our site for the link you selected, click OK.

Thank you for visiting Central Pacific Bank's website.







When you purchase stocks, also called “equities,” you purchase shares in a company. We provide you with a comprehensive collection of stocks to choose from, and help you figure out which stocks and levels of risk makes the most sense for your financial goals.

Mutual Funds

Mutual Funds are an assortment of stocks and bonds held by an investment company. In this situation, you don’t select individual stocks. You choose a fund made up of various stocks. Because the stocks are bundled, redeemed shares may be worth more or less than their original cost.

Our investment team will explain the charges, risks, and expenses of various funds available to help you decide if mutual funds suit your investment objectives. We’ll also help you choose the right ones for your portfolio.


A bond is like an IOU. As the bond holder, you lend the issuer a specified amount of money, at a specified rate of interest. The value of the bond increases with maturity. At the end of the term, the issuer pays back the amount invested, plus a specified amount of interest. Bonds can be a risk, as the value of a bond will fall when interest rates rise. Higher-yield investments usually involve higher risk.

Our team will explain the various bonds offered for you, clarifying value potential and risk, and help you decide if bonds are right for you.


Certificates of deposit (CDs), are like savings accounts, but with a CD, you will earn a higher rate of interest on your money than you would with a typical savings account. However, you will not have access to your funds for the duration of the term.

We will analyze your financial situation and goals with you to see if this option is right for you.


Individual Retirement Accounts (IRAs) are common ways to save for retirement. You can make contributions to an IRA that may be fully or partially tax deductible. If you withdraw funds from your IRA, they get taxed as ordinary income, and if taken before age 59½, may also be subject to a 10 percent federal income tax penalty. 

We will break down the specific advantages and drawbacks of the types of IRAs available with you to see which option best suits your individual situation.


This type of qualified retirement plan is generally available to employees, with both employee and employer contributing to the plan. Sometimes your employer will match your full contribution. Other times, there may be a cap on what percentage your employer will match. Additionally, you will be able to decide which types of investments you will be making with your 401(k).

Having a 401(k) allows you to defer paying taxes on a portion of your income that you set aside for retirement. Under certain circumstances, you may be able to borrow from your 401(k), which you pay back with interest and without penalty. Other disbursements will be subject to taxation and penalties.

We will work with you to help you decide what percentage of your income you should be contributing to your 401(K) and which investments should comprise your portfolio.

529 College Savings

A 529 Savings Plan is also known as a “qualified tuition plan,” is a tax-advantaged way to set aside money for tuition and other college expenses, including room, board, equipment, and more. Typically, earnings are not taxed if the money is used to cover college expenses. When you invest in a 529, the money may be invested in equity or fixed-income funds, money market funds, or principal-protected bank products.

With the right strategy, saving for college can become a manageable part of your monthly budget, making it much less daunting. We help you figure it out. We look at your full financial picture, including income, expenses, and existing savings and investments, and work with you to project how much you can invest in a 529 Savings Plan.


Are annuities right for you? We look at your unique individual situation and help you decide.

Annuities are essentially a contract with an insurance company that guarantees current or future payments in exchange for a premium or series of premiums. Interest earned is only taxable upon withdrawal, and withdrawals made before age 59.5 may incur penalties.

























投資について:連邦預金保険公社(FDIC)、および政府機関の保証はありません ・当行の預金ではなく、また当行が保証するものではありません ・ 投資元金の損失など投資リスクが伴います