What are the current interest rates at Finance Factors?

Current rates for Finance Factors include: 12-Month CD: 3.30%, 24-Month CD: 3.40%, 36-Month CD: 3.50%, 48-Month CD: 3.60%, Savings: 2.00%

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Finance Factors Rates & Review August 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Finance Factors's 48-Month CD rates are at 3.60%, 36-Month CD rates are at 3.50%, 24-Month eCD rates are at 3.40%, 12-Month CD rates are at 3.30%, 12-Month eCD rates are at 3.30%. Finance Factors's savings rates are at 2.00%. MonitorBankRates evaluates the financial stability of Finance Factors with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.99%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.99%

Excellent Lower than avg

Finance Factors, Ltd.

1164 Bishop St
Honolulu, HI 96813

https://www.financefactors.com

Finance Factors CD Rates

Product	Rate	APY	Term
48-Month CD	-	3.60%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
36-Month CD	-	3.50%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
24-Month eCD	-	3.40%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. You must open this account online. Deposit must be drawn from a financial institution other than Finance Factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12-Month CD	-	3.30%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
12-Month eCD	-	3.30%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. You must open this account online. Deposit must be drawn from a financial institution other than Finance Factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
6-Month CD	-	3.20%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
3-Month CD	-	3.15%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposit must be drawn from a financial institution other than Finance Factors. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

Finance Factors Savings Rates

Product	Rate	APY
Premier Savings	-	3.00%
Min Deposit $100,000 Min Balance $100,000 Details State of Hawaii residents and businesses only. Opening deposits must be drawn on a check from a financial institution other than Finance Factors. Balances below the minimum $100 will earn 0.10% for each day the balance is below the minimum and a $5 monthly service fee will be charged to the account for each month that the account is below the minimum balance at any time during the month. Accounts closed within 90 days of opening will be assessed an early closing fee of $25. Fees may reduce earnings on the account. Rate is subject to change at any time without notice. May be discontinued at any time. Rates may be different for business accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premier Savings	-	2.50%
Min Deposit $50,000 Min Balance $50,000 Details State of Hawaii residents and businesses only. Opening deposits must be drawn on a check from a financial institution other than Finance Factors. Balances below the minimum $100 will earn 0.10% for each day the balance is below the minimum and a $5 monthly service fee will be charged to the account for each month that the account is below the minimum balance at any time during the month. Accounts closed within 90 days of opening will be assessed an early closing fee of $25. Fees may reduce earnings on the account. Rate is subject to change at any time without notice. May be discontinued at any time. Rates may be different for business accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%
Premier Savings	-	2.00%
Min Deposit $100 Min Balance $100 Details State of Hawaii residents and businesses only. Opening deposits must be drawn on a check from a financial institution other than Finance Factors. Balances below the minimum $100 will earn 0.10% for each day the balance is below the minimum and a $5 monthly service fee will be charged to the account for each month that the account is below the minimum balance at any time during the month. Accounts closed within 90 days of opening will be assessed an early closing fee of $25. Fees may reduce earnings on the account. Rate is subject to change at any time without notice. May be discontinued at any time. Rates may be different for business accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.99%

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.

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

Institution Name Finance Factors

FDIC Certificate # 25158

Address 1164 Bishop St, Honolulu, HI 96813 · Honolulu

Website https://www.financefactors.com

Established 05/14/1952

FDIC Insurance Date 06/04/1984

Domestic Offices 13

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.99%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3701%

Return on Equity (ROE) 3.4200%

Non-Performing Loans (NPL) 0.10%

Total Assets $687,876,000

Total Deposits $531,909,000

Equity Capital $77,673,000

Net Income $3,521,000

Headquarters Honolulu

Total Branches and Offices 13

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Finance Factors

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.