Certificates of Deposit
3 or 6 Month CD
0.45% APY*
$1,000 minimum deposit ($2,500 for businesses)
15-Month CD
0.75% APY*
$1,000 minimum deposit ($2,500 for businesses)
24-Month Raise My Rate CD
1.00% APY*
$1,000 minimum deposit ($2,500 for businesses)
30-Month CD
1.40% APY*
$1,000 minimum deposit ($2,500 for businesses)
The Savers Club
      12 Months
      24 Months
      36 Months

0.40% APY
0.55% APY
0.65% APY


$25 minimum deposit
*Annual Percentage Yield (APY) effective 1/16/17 (assumes interest will remain on deposit), subject to change without notice. $1,000 minimum deposit ($2,500 minimum deposit for businesses) and minimum balance is required to be maintained for the entire term. Opening deposit must be drawn from a financial institution other than Finance Factors. Fees may reduce earnings on the account. Penalty may be imposed for early withdrawal. Some restrictions apply. Available to State of Hawaii residents and businesses only. Rates may be different for business accounts. View our product list for complete details.

During the term of this Raise My Rate CD, the account owner(s) will have one (1) opportunity to change the rate of earnings to the rate then being paid by Finance Factors on a certificate of deposit with the same term. If the option is exercised, the new rate will be paid only for the remaining portion of the term and this term will not be extended. The option to change the rate can be made without incurring any penalty. The option to change will not carry over into any subsequent terms if this certificate is renewed.

The Savers Club Annual Percentage Yield (APY) effective 2/13/17 (assumes interest will remain on deposit), subject to change without notice. Minimum $25 opening deposit must come from a financial institution other than Finance Factors. Accounts closed prior to the end of the term selected at account opening will be assessed an early closing fee of $50. No withdrawals are allowed prior to the end of the account term. Available to State of Hawaii residents only.
Savings Accounts
Transition Savings
0.25% APY*
no minimum balance
SuperSavers Savings
0.40% APY*⁺
$10,000 minimum balance
*Annual Percentage Yield (APY) effective 1/16/17 and assumes that minimum opening deposit and ongoing minimum balance requirements are met and that interest will remain on deposit. Opening deposit must be drawn from a financial institution other than Finance Factors. Fees may reduce earnings on the account. Rates subject to change at any time without notice. Available to State of Hawaii residents and businesses only. Rates may be different for business accounts. View out product list for complete details.

Balances below the minimum $10,000 will earn 0.10% for each day the balance is below the minimum. Accounts closed within 90 days of opening will be assessed an early closing fee of $50. Rate shown guaranteed through March 31, 2017, and thereafter is subject to change at any time without notice.

Branch Locations

Oahu
Downtown Branch
1164 Bishop St., Suite 100
Honolulu, HI 96813
(808) 548-4940
Kahala Branch
4211 Waialae Ave., Suite 9070
Honolulu, HI 96816
(808) 733-7399
Kailua Branch
602 Kailua Rd., Suite 103
Kailua, HI 96734
(808) 266-2900
Kaimuki Branch
3408 Waialae Ave., Suite 101
Honolulu, HI 96816
(808) 733-2425
Kalihi Branch
1620 N. School St., Suite 142
Honolulu, HI 96817
(808) 832-6500
 
Kapiolani Branch
1600 Kapiolani Blvd., Suite 109
Honolulu, HI 96814
(808) 973-3535
Liliha Branch
1808 Liliha St.
Honolulu, HI 96817
(808) 532-7190
Manoa Branch
2955 E. Manoa Rd., Suite A
Honolulu, HI 96822
(808) 988-0240
Pearl City Branch
850 Kamehameha Hwy., Suite 161
Pearl City, HI 96782
(808) 453-2100
 
Island of Hawaii
Hilo Branch
427 Kilauea Ave.
Hilo, HI 96720
(808) 935-6811
Kailua-Kona Branch
75-1022 Henry St., Unit 6
Kailua-Kona, HI 96740
(808) 322-2747
Kauai
Lihue Branch
4393 Kukui Grove St., Suite 101
Lihue, HI 96766
(808) 245-3305
Maui
Kahului Branch
140 Hoohana St., Suite 111
Kahului, HI 96732
(808) 877-7663