Bank · FDIC insured
Finance Factors CD Rates
Top CarrotFinance Factors’s best CD rate is 4.25% APY on a 7-month CD. Terms run from 3 months to 4 years. Rates checked October 3, 2026.
How Finance Factors’s CD rates compare
Compared with banks and credit unions near Urban Honolulu, HI, where Finance Factors has the most branches. $10,000, best rate first.
This bank’s best
Finance Factors
4.25%APY
- Term
- 7 months
- Minimum
- $10,000
- Earns on $10,000
- $246
Rising Rate CD
Top rate
Hawaiian Financial Federal Credit Union
4.55%APY
- Term
- 13 months
- Minimum
- $2,000
- Earns on $10,000
- $494
2nd-highest rate
UHFCU
4.50%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $185
Finance Factors CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Finance Factors ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Rising Rate CD
Up to 4.25%APY · 1 term
The Rising Rate CD is a series of four (4) consecutive 7-month CDs, and each rate shown applies only for the term indicated, not for the full 28-month period. A $10,000 minimum opening deposit and balance must come from a financial institution other than Finance Factors. Customers have a 10-day grace period at the end of each 7-month term to redeem funds without penalty. After the 4th term, CD renews into a 6-month CD at the then-current APY or funds can be redeemed. Available to State of Hawaii residents and businesses only. Penalty may be imposed for early withdrawal outside of the 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 months1st 7-month CD. Assumes interest will remain on deposit. Deposit must come from a financial institution other than Finance Factors. Available to State of Hawaii residents and businesses only | 3.30% | $191 |
| 7 months2nd 7-month CD. Assumes interest will remain on deposit. Deposit must come from a financial institution other than Finance Factors. Available to State of Hawaii residents and businesses only | 3.50% | $203 |
| 7 months3rd 7-month CD. Assumes interest will remain on deposit. Deposit must come from a financial institution other than Finance Factors. Available to State of Hawaii residents and businesses only | 4.00% | $231 |
| 7 months4th 7-month CD. Assumes interest will remain on deposit. Deposit must come from a financial institution other than Finance Factors. Available to State of Hawaii residents and businesses only | 4.25% | $246 |
Sources (1)
- financefactors.com/savings-cds/certificates-of-deposit · captured Oct 3, 2026
Long Term CD Specials
Up to 4.00%APY · 3 terms
Available to Hawaii residents and businesses only. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal. Deposit must be drawn from a financial institution other than Finance Factors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 3.75% | $764 |
| 36 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 4.00% | $1,249 |
| 48 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 4.00% | $1,699 |
Sources (1)
- financefactors.com/savings-cds/certificates-of-deposit · captured Oct 3, 2026
eCD
Up to 3.40%APY · 2 terms
Must be opened online. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 3.30% | $330 |
| 24 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 3.40% | $692 |
Sources (1)
- financefactors.com/savings-cds/certificates-of-deposit · captured Sep 16, 2026
Short Term CD Specials
Up to 3.30%APY · 3 terms
Available at branch locations to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors. Minimum balance required to be maintained for the entire term. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 3.15% | $78 |
| 6 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 3.20% | $159 |
| 12 monthsAssumes interest will remain on deposit. Available to Hawaii residents and businesses only. Deposit must be drawn from a financial institution other than Finance Factors | 3.30% | $330 |
Sources (1)
- financefactors.com/savings-cds/certificates-of-deposit · captured Oct 3, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.