Finance Factors

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.financefactors.com

808-548-4940

1164 Bishop Street
Honolulu, HI 96813

Finance Factors is headquartered in HONOLULU and is the 6^th largest bank in the state of Hawaii. It is also the 1,360^th largest bank in the nation. It was established in 1952 and as of March of 2025, it had grown to 105 employees at 13 locations. Finance Factors' savings rates are 6X the national average, and it has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	25158
Year Established	1952
Employees	105
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.28%
Return on Equity - YTD	-2.72%
Annual Interest Income	$9.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$711.5MM$669.3MM
Loans	Q1 2025vs Q1 2024	$498.4MM$466.7MM
Deposits	Q1 2025vs Q1 2024	$542.1MM$537.7MM
Equity Capital	Q1 2025vs Q1 2024	$73.9MM$72.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$12MM$11.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$4.5MM$545K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD

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Always verify rates and promotions with the bank or credit union. We are not Finance Factors; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Finance Factors Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%^*	$100k^*	-	Premier Savings
OTHER TIERS: 2.00% → $100 - $50k \| 2.50% → $50k - $100k
1.00%^*	$100^*	$10k	e-Savings
OTHER TIERS: 0.10% → $0 - $100

Finance Factors CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.90%^†	$1k	-	3 Month CD Special - Hawaii Residents Only
3.90%^†	$1k	-	Business 3 Month CD-Hawaii Residents Only
3.75%^†	$1k	-	6 Month eCD Special - Hawaii Residents Only
3.75%^†	$1k	-	Business 6 Month eCD Special - Hawaii Residents Only
3.50%^†	$1k	-	6 Month CD Special - Hawaii Residents Only
3.50%^†	$1k	-	Business 6 Month CD Special - Hawaii Residents Only
3.50%^†	$1k	-	12 Month eCD Special - Hawaii Residents Only
3.50%^†	$1k	-	Business 12 Month eCD Special - Hawaii Residents Only
3.25%^†	$1k	-	12 Month CD Special - Hawaii Residents Only
3.25%^†	$1k	-	Business 12 Month CD Special - Hawaii Residents Only

Locations

Availability

Honolulu Area

Honolulu Area bank & credit union details

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