Commercial Real Estate Loans

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Commercial Real Estate Mortgages

Purchase or refinance a commercial property or acquire your own business space. We offer 3-year, 5-year and 7-year Adjustable Rate Mortgage options with longer loan terms of up to 15 years.

Fixed-Rate Apartment Building Loans

Special loan program for apartment buildings. Lock in your rate for 10-years! Long term 10 year fixed interest rate to provide predictable loan payment certainty. Properties with 5 or more units considered.

Roth IRA

A retirement account that features after-tax contributions and tax-free earnings and distributions at retirement. Ideal for those who do not qualify for deductible contributions to a Traditional IRA account.

  • After-tax contributions
  • Tax-free earnings and distributions at retirement

Traditional IRA

A retirement account that features tax deductible contributions and tax-deferred savings for retirement (some restrictions apply).

  • Tax deductible contributions
  • Tax-deferred savings for retirement

30 or 15 Year Fixed Rate Loans

A fixed rate loan with low, predictable payments.

Real Estate Investor Loans

Fixed-rate and adjustable-rate loans with terms from 12 months up to 30 years.

Construction Loans

12 to 24 month terms with interest-only payments.

Home Equity Line of Credit

A “Hassle-Free” loan with no other account relationships required.

The Savers Club

  • $25 minimum deposit to open account
  • Additional deposits allowed during term of the account
  • Interest is credited and compounded quarterly
  • Monthly statements provided of all transactions for the month

Rising Rate CD

  • $2,500 minimum opening and ongoing balance
  • Rates are fixed for each 7-month CD
  • Interest is credited and compounded monthly
  • At each 7-month maturity, the account will automatically rollover into the next 7-month CD at a higher rate
  • At the end of the final 7-month maturity, the account will automatically renew to a 6-month CD at the then prevailing 6-month CD rate
  • 10-day grace period at the beginning of each new 7-month CD term to redeem your certificate without penalty

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eSavings Plus

  • $10,000 minimum opening deposit and balance
  • Opening deposit must be electronically transferred from a financial institution other than Finance Factors

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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Finance Factors offers some of the highest yields on Savings and Certificates of Deposit (CDs) in Hawaii. All deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation.
Savings
Account Overview
Ali’i Savings Earn higher rates for balances of $50,000 or more with our Ali’i Savings account.
Akamai Savings Earn a great rate for a low minimum balance. This savings account pays a great rate for a low initial deposit.
Step-Up Savings Just for kids, this savings account earns special rates for anyone under 18 years of age. Excellent first account for your children.
Money Market Savings Earn an exceptional rate for savings balances of $10,000 or more and enjoy the liquidity of a savings account with the earning power of a CD.
Incentive Savings Earn higher rates for higher balances with our Incentive Savings account. You earn higher interest rates as your balance grows.
Jumbo Savings A special savings account that offers higher tiered interest rates for balances of $50,000 or more.
Certificates of Deposit (CDs)
Account Overview
Incentive CD Lock in a higher rate by investing your money with our Incentive CD.
Heritage CD A Certificate of Deposit with special features designed for savers age 55 or older.
Business CD Great rates for your business.
Jumbo CD Short term Certificates of Deposit with competitive rates for balances of $100,000 or more.
Variable Jumbo CD Certificates of Deposit that offer competitive rates and shorter terms for deposits of $250,000 or more.
The Savers Club The Club account that’s not just for Christmas. Whether it’s that new television to watch the big game or an exciting family vacation, earn high interest in a safe place while meeting your savings goal.
Raise My Rate CD A Certificate of Deposit that allows for a one-time option to change the rate of earnings to the rate then being paid by Finance Factors on a regular time certificate with the same term and conditions.
Rising Rate CD A Certificate of Deposit that consists of four (4) consecutive 7-month CDs, each paying a higher APY as the account matures.
Individual Retirement Accounts (IRAs)
Account Overview
Traditional IRA A retirement account that features tax deductible contributions and tax-deferred savings for retirement (some restrictions apply).
Roth IRA A retirement account that features after-tax contributions and tax-free earnings and distributions at retirement. Ideal for those who do not qualify for deductible contributions to a Traditional IRA account.
Coverdell Education Savings Account A non-deductible account that features tax-free withdrawals for a child’s education expenses. Earnings grow tax-deferred. Funds may be withdrawn tax-free if used for qualified education expenses.