What are the current interest rates at Finance Factors?

Current rates for Finance Factors include: 12-Month CD: 3.30%, 24-Month CD: 3.75%, 36-Month CD: 4.00%, 48-Month CD: 4.00%, Savings: 3.00%

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Finance Factors Rates & Review October 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: October 11, 2026

Finance Factors's top rates as of October 11, 2026 are 4.25% APY on its Rising Rate CD - 4th 7-month CD, and 3.00% APY on savings, according to rates verified by MonitorBankRates. Other Finance Factors CD rates include 36-Month CD at 4.00%, 48-Month CD at 4.00%, and Rising Rate CD - 3rd 7-month CD at 4.00%. MonitorBankRates evaluates the financial stability of Finance Factors with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.80%. Rates last updated and verified on 10/11/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

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

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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
Rising Rate CD - 4th 7-month CD	-	4.25%	7-month
Min Deposit $10,000 Min Balance $10,000 Details Rising Rate CD; A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. The Rising Rate CD is available to State of Hawaii residents and businesses only. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 4.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
36-Month CD	-	4.00%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Long Term CD Specials; 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 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% 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-Month
Min Deposit $1,000 Min Balance $1,000 Details Long Term CD Specials; 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 10/11/2026 Rate History 1 change since Sep 27, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% 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-month
Min Deposit $10,000 Min Balance $10,000 Details Rising Rate CD; A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. The Rising Rate CD is available to State of Hawaii residents and businesses only. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
24-Month CD	-	3.75%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Long Term CD Specials; 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 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40% 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-month
Min Deposit $10,000 Min Balance $10,000 Details Rising Rate CD; A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. The Rising Rate CD is available to State of Hawaii residents and businesses only. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
12-Month CD	-	3.30%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Short Term CD Specials; 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 10/11/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
12-Month eCD	-	3.30%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details eCD Specials; You must open this account online. 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 10/11/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
Rising Rate CD - 1st 7-month CD	-	3.30%	7-month
Min Deposit $10,000 Min Balance $10,000 Details Rising Rate CD; A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. The Rising Rate CD is available to State of Hawaii residents and businesses only. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
6-Month CD	-	3.20%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Short Term CD Specials; 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 10/11/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
3-Month CD	-	3.15%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Short Term CD Specials; 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 10/11/2026 Rate History No change since Sep 24, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%

Finance Factors Savings Rates

Product	Rate	APY
Premier Savings	-	3.00%
Min Balance $100,000 Details 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. The Premier Savings Account is available to State of Hawaii residents and businesses only and may be discontinued at any time. Rates may be different for business accounts. Deposits are insured up to $250,000 by the FDIC. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
Premier Savings	-	2.50%
Min Balance $50,000 Details 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. The Premier Savings Account is available to State of Hawaii residents and businesses only and may be discontinued at any time. Rates may be different for business accounts. Deposits are insured up to $250,000 by the FDIC. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
eSavings	-	2.00%
Min Deposit $100 Min Balance $100 Details You must open this account online. Opening deposit must be drawn from a financial institution other than Finance Factors. Maximum opening deposit is $10,000. Balances below the minimum $100 will earn 0.10% APY for each day the balance is below the minimum and a $15 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 $50. Fees could reduce earnings on the account. Rate is subject to change at any time and without notice. You may close your savings account online by transferring all available funds out of your account via our Online Services. Any account with a zero balance at the close of business will be automatically closed the following business day. If you choose to close your savings account using our Online Services, you must provide us with written notification within 10 days after the account is closed. If we do not receive written notification all interest accrued up to the day of closing will be forfeited. Available to Hawaii residents only. Not available to businesses. There is a limit of 6 electronic or preauthorized transfers and/or withdrawals from a Finance Factors savings account per calendar month. An online transfer would count towards this limit. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
Premier Savings	-	2.00%
Min Balance $100 Details 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. The Premier Savings Account is available to State of Hawaii residents and businesses only and may be discontinued at any time. Rates may be different for business accounts. Deposits are insured up to $250,000 by the FDIC. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 7 times 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.

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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$684M	12.80%	5.0	A
March 31, 2026	$669M	12.34%	5.0	A
December 31, 2025	$688M	8.73%	5.0	A
September 30, 2025	$714M	6.18%	5.0	A
June 30, 2025	$709M	5.83%	5.0	A+
March 31, 2025	$711M	6.08%	5.0	A
December 31, 2024	$700M	7.01%	5.0	A
September 30, 2024	$684M	1.85%	5.0	A+
June 30, 2024	$667M	2.64%	5.0	A+
March 31, 2024	$669M	0.76%	5.0	A+
December 31, 2023	$674M	1.06%	5.0	A+
September 30, 2023	$667M	0.99%	5.0	A+

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

Institution Name Finance Factors

FDIC Certificate # 25158

Address 1164 Bishop St, Honolulu, HI 96813 · Honolulu

Website https://www.financefactors.com

Established 19520514

FDIC Insurance Date 19840604

Domestic Offices 13

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.80%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6208%

Return on Equity (ROE) 5.3700%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

Finance Factors earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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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.