Finance Factors CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.25%, 6-month CD rates at 0.05% and 3-month CD rates at 5.00%. Current savings rates are at 0.05% and money market rates are at 1.50%. Mortgage rates today on 30-year fixed loans are around 6.64%. Credit Card rates are at 8.75%. Personal Loan rates are at 12.00%. All these rates, and more, can be found in our database of rates. Finance Factors's 3-Month CD rates are at 4.60%, 12-Month CD (eCD) rates are at 4.00%. Finance Factors's savings rates are at 1.00%.

Finance Factors

To see how these rates compare to Finance Factors CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Finance Factors, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Finance Factors CD rates. You can also compare Finance Factors savings rates, MMA rates and mortgage rates using our other rate lists.

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.

Finance Factors Texas Ratio

Finance Factors's Texas Ratio is at 1.69%, which is considered excellent. The Texas Ratio for Finance Factors is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Finance Factors is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.00%
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
1.00%
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Finance Factors
1164 Bishop St
Honolulu, HI 96813
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Finance Factors CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Finance Factors
Finance Factors
3-Month CD
4.60%
$1,000
Finance Factors
Finance Factors
12-Month CD (eCD)
4.00%
$1,000
Finance Factors
Finance Factors
Premier Savings (Jumbo)
4.00%
$100,000
Finance Factors
Finance Factors
Premier Savings
2.00%
$100
Finance Factors
Finance Factors
eSavings
1.00%
$100

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Finance Factors Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Merchants Bank of Indiana
Merchants Bank of Indiana
24-Month CD (Flex Index)
5.92%
$1,000
Rolette State Bank
Rolette State Bank
12-Month CD
4.91%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
24-Month CD
4.81%
$1,500
Seattle Bank
Seattle Bank
24-Month CD
4.75%
$1,000
Bank of Dudley
12-Month CD
4.58%
$1,000
Busey Bank
Busey Bank
7-Month CD (special)
4.30%
$1,000
Landmark Credit Union
Landmark Credit Union
60-Month CD
4.30%
$500
Act 1st Federal Credit Union
Act 1st Federal Credit Union
24-Month CD
4.25%
$500
La Salle State Bank
La Salle State Bank
29-Month CD (special)
4.10%
$10,000
North Dallas Bank & Trust (NDBT)
North Dallas Bank & Trust (NDBT)
24-Month CD
3.75%
$1,000
Gainey Business Bank
Gainey Business Bank
36-Month CD
3.66%
$5,000
4U Federal Credit Union
4U Federal Credit Union
18-Month CD
3.55%
$1,000
The Bank of Princeton
The Bank of Princeton
48-Month CD
3.50%
$500
Schaumburg Bank & Trust Company
Schaumburg Bank & Trust Company
33-Month CD
3.50%
$1,000
Bank of Prairie du Sac
Bank of Prairie du Sac
36-Month CD
3.40%
$1,000
First Bank Hampton
First Bank Hampton
60-Month CD (Jumbo)
3.25%
$100,000
Landmark Credit Union
Landmark Credit Union
Signature Money Market
3.15%
$100,000
First Commerce Bank Lewisburg, TN
First Commerce Bank Lewisburg, TN
60-Month CD
3.03%
$1,000
Bank Forward
Bank Forward
18-Month CD
3.00%
$500
Achieve Credit Union
Achieve Credit Union
30-Month CD
2.75%
$500
Iowa Falls State Bank
Iowa Falls State Bank
36-Month CD
2.67%
$1,000
West Pointe Bank
West Pointe Bank
3-Month CD
2.52%
$1,000
Mechanics Cooperative Bank
Mechanics Cooperative Bank
36-Month CD
2.50%
$500
Sanborn Savings Bank
Sanborn Savings Bank
18-Month CD
2.47%
$1,000
Lake-Osceola State Bank
Lake-Osceola State Bank
48-Month CD
2.38%
$500
Ixonia Bank
Ixonia Bank
24-Month CD
2.35%
$1,000
Stryv Bank
Stryv Bank
24-Month CD
2.02%
$1,000
Bank of Canton
Bank of Canton
24-Month CD
2.00%
$1,000
Charter Bank IA
Charter Bank IA
12-Month CD
2.00%
$1,000
Home Loan Investment Bank
Home Loan Investment Bank
24-Month CD
1.50%
$1,000
North Shore Bank of Commerce
North Shore Bank of Commerce
12-Month CD
1.50%
$1,000
Bank of Lake Mills
Bank of Lake Mills
12-Month CD
1.40%
$500
Century SLA
Century SLA
60-Month CD
1.15%
$1,000
NCS Bank
NCS Bank
24-Month CD
1.00%
$1,000
FNB of Hereford
FNB of Hereford
NOW Checking
0.70%
$1,000
Bank of Botetourt
Bank of Botetourt
18-Month CD
0.50%
$500
F&M Bank & Trust Burlington, IA
F&M Bank & Trust Burlington, IA
36-Month CD
0.37%
$500
First Keystone Community Bank
First Keystone Community Bank
12-Month CD
0.30%
$1,000
Achieva Credit Union
Achieva Credit Union
Premier Money Market
0.30%
$2,000
Collinsville Building and Loan Association
Collinsville Building and Loan Association
48-Month CD
0.25%
$500
Farmers State Bank of Western Illinois
Farmers State Bank of Western Illinois
Classic Savings
0.25%
$100
F&M Bank of St. Clair
F&M Bank of St. Clair
Statement Savings
0.20%
$100
MutualOne Bank
MutualOne Bank
Mo Money Market
0.10%
$500
Milford Bank
Milford Bank
12-Month CD
0.10%
$1,000
Simmesport State Bank
Simmesport State Bank
Passbook Savings
0.10%
$100
Farmers State Bank Waterloo, IA
Farmers State Bank Waterloo, IA
Savings
0.05%
$100
First FSB of Angola
First FSB of Angola
Interest Checking
0.05%
$250
PNC Bank
PNC Bank
24-Month CD
0.02%
$1,000
Northwest Bank Warren, PA
Northwest Bank Warren, PA
Statement Savings
0.01%
$100
Pataskala Banking Company
Pataskala Banking Company
Money Market
0.01%
$25
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 19, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
5.500%
5.908%
2.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Finance Factors Information

Finance Factors
1164 Bishop St
Honolulu, HI 96813
Honolulu
Established Date: 05/14/1952
FDIC Certificate #: 25158
Date of FDIC Deposit Insurance: 06/04/1984
How Many Domestic U.S. Offices? 13
How Many Branches are There? 14
Is Finance Factors FDIC Insured? Yes
What is Finance Factors's Cert number? 25158
What is the maximum amount for insured deposits? $250,000 per holder, per account

Finance Factors Financials

Total Assets:
$628,283,000
Total Deposits:
$487,517,000
Equity Capital:
$68,933,000
Domestic Deposits:
$487,517,000
Net Income:
$988,000
Return on Assets:
-0.4103%
Quarterly Return on Assets:
0.6500%
Pretax Return on Assets:
0.8429%
Pretax Quarterly Return on Assets:
0.8400%
Return on Equity:
-3.2200%
Quarterly Return on Equity:
5.8000%
Common Equity Tier 1 Capital Ratio:
17.6218%
Tier 1 Risk-Based Capital Ratio:
17.6218%
Leverage Tier 1 (Core Capital) Ratio:
13.3908%
Total Risk-Based Capital Ratio (YTD):
18.8941%
Total Interest Income (YTD):
4.2823%
 
 
Headquarters:
Honolulu
FDIC Field Office:
San Francisco
Regulator:
FDIC
County:
Honolulu
# of Offices:
13
Metropolitan Statistical Area (MSA):
Urban Honolulu, HI
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
San Francisco
Source: FDIC

Explore Other Rate Deals

Mortgage rates have drifted lower for the past several weeks. Average 30 year mortgage rates today are at 4.27 percent, a decline from last week's average 30 year rate of 4.29 percent. Mortgage rates have followed 10 year bond yields lower which are averaging 2.62 percent today.
E-Loan 1 Year CD rates are now at 1.25 percent with a yield of 1.26 percent. View the current 1 Year CD rates at E-Loan below.
Home mortgage rates are mostly higher today. 15 year conforming home mortgage rates are back above 4.00 percent. This is the first time in months 15 year mortgage rates are above 4.00 percent. Current 30 year conforming home mortgage rates and refinance mortgage rates are averaging 4.66 percent, a slight decrease from yesterday’s average home mortgage rate and mortgage refinance rate of 4.67 percent. 30 year home mortgage rates and home refinance mortgage rates in Texas are higher averaging 4.74 percent.

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