** Annual Percentage Yield (APY) effective 10/12/22, 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. You must maintain a minimum balance of $100 in the account each day to obtain the disclosed annual percentage yield. 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.