Savings Accounts

Getting you to where you want to be

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.

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Our latest promotions

eSavings
1.60
%**+ APY

$100 minimum opening deposit

Open Account Online
UltraSavings
1.00 - 1.40
%* APY

$1,000 - $200,000 and over

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disclosures

*Annual Percentage Yield (APY) effective 4/5/19 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. Balances below the minimum $1,000 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. 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. Deposits are insured up to $250,000 by the FDIC.

** Annual Percentage Yield (APY) effective 4/5/19, 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. 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

UltraSavings

  • $1,000 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

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