FF
Finance Factors rates
FDIC InsuredLast checked Nov 9, 2026
Today's posted mortgage, savings and CD rates from Finance Factors, copied from its own website and checked every business day. 808rates is independent and not affiliated with Finance Factors; no lender pays to be listed or ranked. Finance Factors website
How Finance Factors compares
Each lender's best posted rate in each category, among the lenders we track that post one. Rates may carry conditions (membership, credit tier, balance, island); see each row below.
- 30-year fixed
- 6.884% APR · 8th lowest of 11 (30-Year Fixed)
- 15-year fixed
- 6.318% APR · 8th lowest of 11 (15-Year Fixed)
- Savings
- 3.00% APY · highest of 10 (Premier Savings ($100,000+))
- CD / certificate
- 4.00% APY · 4th highest of 8 (36-Month CD Special)
15-Year Fixed
Rate
5.750%
APR
6.318%
Points
2.125
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: Purchase loans for owner-occupied Hawaii homes; APR based on a $200,000 loan with 20% down. Maximum loan $1,249,125 (Honolulu, Kauai and Hawaii counties) or $1,299,500 (Maui and Kalawao).
30-Year Fixed
Rate
6.500%
APR
6.884%
Points
2.375
Checked Nov 9, 2026Lender's page dated Nov 9, 2026 · sourceConditions: Purchase loans for owner-occupied Hawaii homes; APR based on a $200,000 loan with 20% down. Maximum loan $1,249,125 (Honolulu, Kauai and Hawaii counties) or $1,299,500 (Maui and Kalawao).
Premier Savings ($100,000+)
APY
3.00%
Minimum
$100,000
Term
—
Checked Nov 9, 2026Lender's page dated Jan 1, 2026 · sourceConditions: Open at a branch with a check drawn on another financial institution. $25 fee if closed within 90 days. Hawaii residents and businesses only.
Premier Savings ($50,000–$99,999.99)
APY
2.50%
Minimum
$50,000
Term
—
Checked Nov 9, 2026Lender's page dated Jan 1, 2026 · sourceConditions: Open at a branch with a check drawn on another financial institution. $25 fee if closed within 90 days. Hawaii residents and businesses only.
Premier Savings ($100–$49,999.99)
APY
2.00%
Minimum
$100
Term
—
Checked Nov 9, 2026Lender's page dated Jan 1, 2026 · sourceConditions: Open at a branch with a check drawn on another financial institution. Balances under $100 earn 0.10% and pay a $5 monthly fee; $25 fee if closed within 90 days. Hawaii residents and businesses only.
eSavings
APY
2.00%
Minimum
$100
Term
—
Checked Nov 9, 2026Lender's page dated Dec 8, 2025 · sourceConditions: Open online only. Opening deposit must come from another financial institution. Maximum opening deposit $10,000. Balances under $100 earn 0.10% APY and pay a $15 monthly fee.
36-Month CD Special
APY
4.00%
Minimum
$1,000
Term
36 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
48-Month CD Special
APY
4.00%
Minimum
$1,000
Term
48 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
24-Month eCD Special
APY
3.75%
Minimum
$1,000
Term
24 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Open online only. Opening deposit must come from another financial institution. Hawaii residents and businesses only.
24-Month CD Special
APY
3.75%
Minimum
$1,000
Term
24 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
12-Month CD Special
APY
3.30%
Minimum
$1,000
Term
12 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
12-Month eCD Special
APY
3.30%
Minimum
$1,000
Term
12 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Open online only. Opening deposit must come from another financial institution. Hawaii residents and businesses only.
6-Month CD Special
APY
3.20%
Minimum
$1,000
Term
6 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
3-Month CD Special
APY
3.15%
Minimum
$1,000
Term
3 months
Checked Nov 9, 2026Lender's page dated Sep 28, 2026 · sourceConditions: Opening deposit must come from another financial institution. Hawaii residents and businesses only.
Share kit
PNG files and captions for Finance Factors. Each file name includes the date on the lender's page.
Other Hawaii lenders we track
- First Hawaiian Bank
- Bank of Hawaii
- Central Pacific Bank
- American Savings Bank
- Hawaii State Federal Credit Union
- Pearl Hawaii Federal Credit Union
- University of Hawaii Federal Credit Union
- Hawaii Central Federal Credit Union
- Hawaiian Financial Federal Credit Union
- Lokahi Federal Credit Union
- Hawaii National Bank
Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates