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

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Today's 12-month CD rates can be found at 2.52%, 6-month CD rates at 2.53% and 3-month CD rates at 1.50%. Current savings rates are at 0.80% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 7.21%. Credit Card rates are at 14.00%. Personal Loan rates are at 5.50%. 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
Home Loan Investment Bank
Home Loan Investment Bank
Soaring Savings
5.10%
$25,000
Hardin County SB
Hardin County SB
6-Month CD
5.00%
$1,000
OSB Odin State Bank
OSB Odin State Bank
12-Month CD
4.91%
$10,000
Meridian Bank
Meridian Bank
6-Month CD
4.50%
$500
Compass Savings Bank
Compass Savings Bank
12-Month CD
4.33%
$500
Superior Savings Bank
Superior Savings Bank
Money Market Max Plus
4.08%
$100,000
BankGloucester
BankGloucester
18-Month CD
3.86%
$500
First National Bank in Philip
First National Bank in Philip
36-Month CD
3.80%
$1,000
Bank of Old Monroe
Bank of Old Monroe
18-Month CD
3.53%
$1,000
TriCentury Bank
TriCentury Bank
36-Month CD
3.50%
$1,000
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
18-Month CD
3.45%
$500
Elizabethton FSB
Elizabethton FSB
24-Month CD
3.17%
$1,000
Regional Missouri Bank
Regional Missouri Bank
24-Month CD
3.14%
$1,000
Grove Bank
Grove Bank
Money Market
3.04%
$100,000
Huntington FSB
Huntington FSB
24-Month CD
3.03%
$500
Hanover Community Bank
Hanover Community Bank
36-Month CD
3.00%
$500
WaterStone Bank
WaterStone Bank
Ultimate Money Market
3.00%
$250,000
Deerwood Bank
Deerwood Bank
36-Month CD
2.52%
$500
Tri-County Trust Company
Tri-County Trust Company
12-Month CD
2.02%
$1,000
The Bank of South Carolina
The Bank of South Carolina
12-Month CD
2.00%
$1,000
Alliance Bank IN
Alliance Bank IN
12-Month CD
1.77%
$1,000
NBKC Bank
NBKC Bank
Everything Checking
1.75%
$0
American State Bank (TX)
American State Bank (TX)
36-Month CD
1.51%
$1,000
SSB of Wanamingo
SSB of Wanamingo
36-Month CD
1.36%
$500
HomeBank
18-Month CD
1.31%
$2,500
SSB State Street Bank
SSB State Street Bank
24-Month CD
1.10%
$1,000
Dieterich Bank
Dieterich Bank
Money Market Plus
1.06%
$500,000
FSB of Golva
FSB of Golva
Money Market
1.00%
$0
FNB of Peterstown
FNB of Peterstown
60-Month CD
1.00%
$2,500
Oakdale State Bank
Oakdale State Bank
18-Month CD
0.90%
$1,000
Continental Bank
Continental Bank
18-Month CD
0.80%
$25,000
Greenville Federal
Greenville Federal
18-Month CD
0.75%
$500
Community Bank of Pleasant Hill
Community Bank of Pleasant Hill
Kasasa Checking
0.51%
$25
PyraMax Bank
PyraMax Bank
36-Month CD
0.40%
$1,000
Dime Bank
Dime Bank
60-Month CD
0.40%
$500
First Seacoast Bank
First Seacoast Bank
36-Month CD
0.40%
$1,000
First State Bank of Campbell Hill
First State Bank of Campbell Hill
Premium Money Market
0.30%
$35,000
Partners Bank of New England
12-Month CD
0.30%
$500
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
12-Month CD
0.25%
$1,000
Farmers State Bank (Marion, IA)
Farmers State Bank (Marion, IA)
Money Market
0.20%
$1,000
The Wilmington Savings Bank
The Wilmington Savings Bank
Simple Savings
0.15%
$100
Manasquan Bank
Manasquan Bank
Anchor Checking
0.10%
$50
Teachers Federal Credit Union
Teachers Federal Credit Union
Savings
0.10%
$1
Androscoggin Savings Bank
Androscoggin Savings Bank
Companion Savings
0.05%
$0
BankChampaign
BankChampaign
Regular Savings
0.05%
$200
CNB of McConnelsville
Money Account
0.05%
$2,500
The Peoples S&L Co.
The Peoples S&L Co.
Money Market
0.05%
$2,500
Ohio State Bank
Ohio State Bank
Money Market
0.01%
$2,500
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
Money Market
0.01%
$0
University Federal Credit Union
University Federal Credit Union
Savings
0.01%
$1
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 13, 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 drifted slightly lower as the Fed Chairperson, Janet Yellen, spoke yesterday and said that interest rates will stay low for quite some time to help the job market recover. Average 30 year conforming mortgage rates today are down 1 basis point to 4.38 percent, down from yesterday's average 30 year rate of 4.39 percent.
Money market rates in Florida are moving higher these days and have recently made new highs. The best Florida money market rates are at 2.40 percent from MysavingsDirect. The second best money market rate in Florida is at 2.36 percent from Popular Direct. You can search for and compare money market rates in FL here to make sure you are getting the highest rate.
30 year conforming mortgage rates and refinance rates are averaging 4.85 percent, up from last week’s average 30 year mortgage rate and refinance rate of 4.80 percent. 30 year rates in Ohio are slightly higher than the national average rate. Current 30 year rates in Ohio are averaging 4.87 percent.

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