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Finance Factors Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Finance Factors's Rising Rate CD - 4th 7-month CD rates are at 4.25%, 36-Month CD rates are at 4.00%, 48-Month CD rates are at 4.00%, Rising Rate CD - 3rd 7-month CD rates are at 4.00%, 24-Month CD rates are at 3.75%. Finance Factors's savings rates are at 3.00%. Finance Factors's 15 Year Fixed Rate rates are at 5.75%, 30 Year Fixed Rate rates are at 6.50%. Finance Factors's top CD rate of 4.25% APY on a 7 month CD is 49% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Finance Factors with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.80%. Rates last updated and verified on 11/05/2026.

Finance Factors money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Finance Factors? Share your experience about Finance Factors by leaving a review below, or read customer reviews before you decide to use Finance Factors.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
12.80%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Finance Factors, Ltd.
1164 Bishop St
Honolulu, HI 96813
https://www.financefactors.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Finance Factors CD Rates

Product Rate APY Term Min. Deposit View More
Rising Rate CD - 4th 7-month CD - 4.25% 7 months $10,000
Min Deposit $10,000
Min Balance $10,000
Details Rising Rate CD series of four consecutive 7-month CDs; 10-day grace period at end of each term; after 4th term, redeem or renew into 6-month CD at then-current APY; $10,000 minimum opening deposit and balance from a financial institution other than Finance Factors; State of Hawaii residents and businesses only; APY effective 09/21/26
Last Updated 11/05/2026
Rate History
No change since Sep 27, 2026 · 4.25% APY · checked 9 times
3.75%4.25%4.75%Sep 27, 2026: 4.25% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
36-Month CD - 4.00% 36 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Long Term CD Specials; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 24, 2026Nov 9, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
48-Month CD - 4.00% 48 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Long Term CD Specials; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
1 change since Sep 27, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 27, 2026: 3.60% APYOct 3, 2026: 4.00% APYSep 27, 2026Nov 9, 2026
  • Oct 3, 20264.00%▲ from 3.60%
  • Sep 27, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
Rising Rate CD - 3rd 7-month CD - 4.00% 7 months $10,000
Min Deposit $10,000
Min Balance $10,000
Details Rising Rate CD series of four consecutive 7-month CDs; 10-day grace period at end of each term; after 4th term, redeem or renew into 6-month CD at then-current APY; $10,000 minimum opening deposit and balance from a financial institution other than Finance Factors; State of Hawaii residents and businesses only; APY effective 09/21/26
Last Updated 11/05/2026
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
24-Month CD - 3.75% 24 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Long Term CD Specials; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 24, 2026: 3.40% APYOct 3, 2026: 3.75% APYSep 24, 2026Nov 9, 2026
  • Oct 3, 20263.75%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
Rising Rate CD - 2nd 7-month CD - 3.50% 7 months $10,000
Min Deposit $10,000
Min Balance $10,000
Details Rising Rate CD series of four consecutive 7-month CDs; 10-day grace period at end of each term; after 4th term, redeem or renew into 6-month CD at then-current APY; $10,000 minimum opening deposit and balance from a financial institution other than Finance Factors; State of Hawaii residents and businesses only; APY effective 09/21/26
Last Updated 11/05/2026
Rate History
No change since Sep 27, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 27, 2026: 3.50% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
12-Month CD - 3.30% 12 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Short Term CD Specials; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 10 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
12-Month eCD - 3.30% 12 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details eCD Specials; Open Online Account; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 10 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
Rising Rate CD - 1st 7-month CD - 3.30% 7 months $10,000
Min Deposit $10,000
Min Balance $10,000
Details Rising Rate CD series of four consecutive 7-month CDs; 10-day grace period at end of each term; after 4th term, redeem or renew into 6-month CD at then-current APY; $10,000 minimum opening deposit and balance from a financial institution other than Finance Factors; State of Hawaii residents and businesses only; APY effective 09/21/26
Last Updated 11/05/2026
Rate History
No change since Sep 27, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 27, 2026: 3.30% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
6-Month CD - 3.20% 6 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Short Term CD Specials; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 10 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
3-Month CD - 3.15% 3 months $1,000
Min Deposit $1,000
Min Balance $1,000
Details Short Term CD Specials; $1,000 minimum deposit and balance for entire term; penalty for early withdrawal; Hawaii residents and businesses only; APY effective 9/28/26; deposit must be drawn from a financial institution other than Finance Factors
Last Updated 11/05/2026
Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 10 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%

Finance Factors Savings Rates

Product Rate APY View More
Premier Savings - 3.00%
Min Balance $100,000
Details Balance: $100,000 and over; Annual Percentage Yield (APY) effective 01/01/26; Minimum balance $100 daily to obtain APY; $5 monthly service fee if below minimum; $25 early closing fee if closed within 90 days; Available to State of Hawaii residents and businesses only
Last Updated 11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
Premier Savings - 2.50%
Min Balance $50,000
Details Balance: $50,000 - $99,999.99; Annual Percentage Yield (APY) effective 01/01/26; Minimum balance $100 daily to obtain APY; $5 monthly service fee if below minimum; $25 early closing fee if closed within 90 days; Available to State of Hawaii residents and businesses only
Last Updated 11/05/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 13 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
eSavings - 2.00%
Min Deposit $100
Min Balance $100
Details Annual Percentage Yield (APY) effective 12/8/25; $100 minimum opening deposit and balance; Maximum opening deposit $10,000; Minimum balance $100 daily to obtain APY; $15 monthly service fee if below minimum; $50 early closing fee if closed within 90 days; Must open online; Available to Hawaii residents only; Not available to businesses
Last Updated 11/05/2026
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 11 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
Premier Savings - 2.00%
Min Balance $100
Details Balance: $100 - $49,999.99; Annual Percentage Yield (APY) effective 01/01/26; Minimum balance $100 daily to obtain APY; $5 monthly service fee if below minimum; $25 early closing fee if closed within 90 days; Available to State of Hawaii residents and businesses only
Last Updated 11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 13 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%

Finance Factors Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed Rate 5.75% 2.000 6.298% 15 Year
Details Purchase transaction; owner-occupied residential real estate in Hawaii; 20% down on $200,000 example loan; 180 principal and interest payments of $1,660.82; max loan $1,249,125 (Honolulu, Kauai, Hawaii counties) or $1,299,500 (Maui, Kalawao counties); rates effective 11/5/26, subject to change
Last Updated 11/05/2026
Rate History
No change since Nov 5, 2026 · 6.30% APR
5.80%6.30%6.80%Nov 5, 2026: 6.30% APRNov 5, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
30 Year Fixed Rate 6.50% 2.250 6.871% 30 Year
Details Purchase transaction; owner-occupied residential real estate in Hawaii; 20% down on $200,000 example loan; 360 principal and interest payments of $1,264.14; max loan $1,249,125 (Honolulu, Kauai, Hawaii counties) or $1,299,500 (Maui, Kalawao counties); rates effective 11/5/26, subject to change
Last Updated 11/05/2026
Rate History
1 change since Oct 31, 2026 · 7.00% → 6.87% ▼ 0.13 pts · high 7.00% / low 6.87%
6.37%6.94%7.50%Oct 31, 2026: 7.00% APRNov 5, 2026: 6.87% APROct 31, 2026Nov 9, 2026
  • Nov 5, 20266.87%▼ from 7.00%
  • Oct 31, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 12.80%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
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Financial Health History

Finance Factors’s Texas Ratio rose from 0.99% in Q3 2023 to 12.80% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.3% 2.0★ 8.6% 3.0★ 13% 4.0★ 17.3% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 0.99% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A+ Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 12.80% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$684M12.80%5.0A
March 31, 2026$669M12.34%5.0A
December 31, 2025$688M8.73%5.0A
September 30, 2025$714M6.18%5.0A
June 30, 2025$709M5.83%5.0A+
March 31, 2025$711M6.08%5.0A
December 31, 2024$700M7.01%5.0A
September 30, 2024$684M1.85%5.0A+
June 30, 2024$667M2.64%5.0A+
March 31, 2024$669M0.76%5.0A+
December 31, 2023$674M1.06%5.0A+
September 30, 2023$667M0.99%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Finance Factors is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Finance Factors rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Finance Factors's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Finance Factors
Website https://www.financefactors.com
Address 1164 Bishop St, Honolulu, HI 96813  ·  Honolulu
FDIC Certificate # 25158
Regulator FDIC
Established May 14, 1952
FDIC Insurance Date June 4, 1984
Domestic Offices 13
Total Branches 14
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
12.80%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6208%
Return on Equity (ROE)
5.3700%
Non-Performing Loans Ratio (NPL)
1.50%
Total Assets
$683,726,000
Total Deposits
$519,280,000
Equity Capital
$80,005,000
Net Income
$2,112,000
Headquarters
Honolulu
Total Branches and Offices
13
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Finance Factors earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/finance-factors-ltd-rates-review-25158">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Finance Factors yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Total Reviews
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Frequently Asked Questions About Finance Factors

Does Finance Factors offer CDs?

Yes. Finance Factors current CD rates include its Rising Rate CD - 4th 7-month CD at 4.25% APY, its 36-Month CD at 4.00% APY and its 48-Month CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Finance Factors FDIC insured?

Yes. Finance Factors is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Finance Factors?

The highest Finance Factors CD rate is its Rising Rate CD - 4th 7-month CD at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Finance Factors offer?

Finance Factors CD rates are 4.25% APY for a 7 month CD, 3.30% APY for a 12 month CD, 3.75% APY for a 2 year CD, 4.00% APY for a 3 year CD and 4.00% APY for a 4 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Finance Factors for its full lineup.

What is the highest savings rate at Finance Factors?

The highest Finance Factors savings rate is its Premier Savings at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Finance Factors?

The lowest Finance Factors 30 year fixed mortgage rate is its 30 Year Fixed Rate at 6.50%, verified by MonitorBankRates as of November 5, 2026. Finance Factors mortgage rates are 6.50% for a 30 year mortgage and 5.75% for a 15 year mortgage.

How many branches does Finance Factors operate?

Finance Factors currently maintains approximately 14 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Finance Factors does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Finance Factors provides members with tools to manage their accounts and build a solid financial history.

Does Finance Factors offer online and mobile banking?

Most modern institutions like Finance Factors provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.financefactors.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Finance Factors rates compare?

Finance Factors's top CD rate of 4.25% APY on a 7 month CD is 49% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. Finance Factors's top rates are its 7-Months Rising Rate CD - 4th 7-month CD at 4.25% APY, its Premier Savings at 3.00% APY and its 15 Year Fixed Rate at 5.75%, verified by MonitorBankRates on November 5, 2026.

Current Finance Factors Rates

  • 12-Month CD3.30%
  • 24-Month CD3.75%
  • 36-Month CD4.00%
  • 48-Month CD4.00%
  • Savings3.00%
Retrieved from our database of financial products. Rates subject to change.

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