* Annual Percentage Yields (APYs) are effective 09/21/26 and assume that interest will remain on deposit. 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. A penalty may be imposed for early withdrawal made outside of the 10-day grace period. Fees may reduce earnings on the account. Advertised rates are subject to change at any time without notice prior to account opening; rates for existing Rising Rate CD accounts remain fixed according to the schedule in effect at the time the account was opened. The Rising Rate CD is available to State of Hawaii residents and businesses only. Deposits are insured up to $250,000 by the FDIC per depositor.

* Annual Percentage Yield (APY) effective 9/28/26 (assumes interest will remain on deposit), subject to change without notice. $1,000 minimum deposit and minimum balance is required to be maintained for the entire term. Penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. This special rate is available to Hawaii residents and businesses only and may be discontinued at any time. Deposits are insured up to $250,000 by the FDIC.

† Deposit must be drawn from a financial institution other than Finance Factors.