Savings Accounts

Rates that will interest you

The financial future you’ve always dreamed of starts with saving. Easily open an account with us online to get top-notch rates you won’t find anywhere else.

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Our latest promotions

Maika'i Special Savings
1.00
%* APY

$100 - $99,999.99

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Maika'i Special Savings
1.25
%* APY

$100,000 - $199,999.99

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Maika'i Special Savings
1.50
%* APY

$200,000 and over

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disclosures

*Annual Percentage Yield (APY) effective 10/12/22 and assumes that minimum opening deposit and ongoing minimum balance requirements are met and that interest will remain on deposit. Opening deposits must be drawn on a check from a financial institution other than Finance Factors. You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield. 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 $50. Fees may reduce earnings on the account. Rate is subject to change at any time without notice. UltraSavings Account is available to State of Hawaii residents and businesses only. Rates may be different for business accounts. Deposits are insured up to $250,000 by the FDIC.

eSavings
1.00
**%+ APY

$100 minimum deposit

Open Account Online
disclosures

** Annual Percentage Yield (APY) effective 10/12/22, and assumes that minimum opening deposit and ongoing minimum balance requirements are met and that interest will remain on deposit. $100 minimum opening deposit and balance. 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. You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield. 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.

+ Note: 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.

eSavings

  • $100 minimum opening deposit and balance
  • Opening deposit must be electronically transferred from a financial institution other than Finance Factors

Maika'i Special Savings

  • $100 minimum opening deposit and balance
  • Opening deposit must be drawn on a check from a financial institution other than Finance Factors
  • No checking account required

Online Services

Enroll today to experience the convenience of online services:

  • 24/7 Access to Your Accounts, statements, and more
  • Make your Finance Factors loan payments online
  • Deposit into your Finance Factors savings accounts online
  • Receive electronic statements (savings accounts only)

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Here for you 24/7.

Enjoy complimentary access to all kinds of online services designed to make your Finance Factors more convenient, flexible, and personal.

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