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 14, 2026

Finance Factors's top rates as of October 14, 2026 are 4.25% APY on its 7-Months Rising Rate CD - 4th 7-month CD, 3.00% APY on savings, and 6.125% on its 15 Year Fixed Rate mortgage, according to rates verified by MonitorBankRates. Other Finance Factors CD rates include 36-Months 36-Month CD at 4.00%, 48-Months 48-Month CD at 4.00%, and 7-Months Rising Rate CD - 3rd 7-month CD at 4.00%. Other Finance Factors mortgage rates include 30 Year Fixed Rate at 6.875%. 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 10/14/2026.

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 months
Min Deposit $10,000 Min Balance $10,000 Details Series of four consecutive 7-month CDs; 10-day grace period at end of each term; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
36-Month CD	-	4.00%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Long Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 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 months
Min Deposit $1,000 Min Balance $1,000 Details Long Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 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 months
Min Deposit $10,000 Min Balance $10,000 Details Series of four consecutive 7-month CDs; 10-day grace period at end of each term; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
24-Month CD	-	3.75%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Long Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 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 months
Min Deposit $10,000 Min Balance $10,000 Details Series of four consecutive 7-month CDs; 10-day grace period at end of each term; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
12-Month CD	-	3.30%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Short Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
12-Month eCD	-	3.30%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Open Online; Open Online Account required; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
Rising Rate CD - 1st 7-month CD	-	3.30%	7 months
Min Deposit $10,000 Min Balance $10,000 Details Series of four consecutive 7-month CDs; 10-day grace period at end of each term; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
6-Month CD	-	3.20%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Short Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
3-Month CD	-	3.15%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Short Term CD Special; Hawaii residents and businesses only; deposit must come from a financial institution other than Finance Factors Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.15% APY · checked 7 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 Balance: $100,000 and over; Available to State of Hawaii residents and businesses only Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times 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; Available to State of Hawaii residents and businesses only Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
eSavings	-	2.00%
Min Deposit $100 Min Balance $100 Details Open Online Account; Available to Hawaii residents only; Maximum opening deposit is $10,000 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 6 times 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; Available to State of Hawaii residents and businesses only Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%

Finance Factors Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.125%	2.125	6.704%	15 years
Details Purchase mortgage; owner-occupied; available only in the State of Hawaii; max loan $1,249,125 (Honolulu, Kauai, Hawaii counties) or $1,299,500 (Maui, Kalawao counties); rates effective 10/13/26; APR and points from disclosure for $200,000 loan with 20% down Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.80%
30 Year Fixed Rate	6.875%	2.375	7.27%	30 years
Details Purchase mortgage; owner-occupied; available only in the State of Hawaii; max loan $1,249,125 (Honolulu, Kauai, Hawaii counties) or $1,299,500 (Maui, Kalawao counties); rates effective 10/13/26; APR and points from disclosure for $200,000 loan with 20% down Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.27% APR 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.
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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.

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

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

Source: FDIC — Last Updated June 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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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.