Savings Products

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Shares in our credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government.  The NCUSIF is managed by the National Credit Union Administration (NCUA).   On July 21, 2010, President Barack Obama signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act, which permanently set the insurance level at $250,000. 

Not one penny of insured savings has ever been lost by a member of a federally insured credit union.  For more information about share insurance coverage, click here to visit NCUA's website.  In the "For Consumers" section click on "Are My Funds Safe?".    

Regular Share Account

Become a member by opening this basic savings account with a $50.00 minimum deposit and a $1.00 one-time nonrefundable membership fee (total $51.00).  Being a member entitles you to use our products and our low-cost and no-cost services.  Your deposit earns dividends (interest) at a very competitive rate.  Dividends are credited to your account on the last calendar day of each month.  

Christmas Share Account

Save for the holiday season and earn a high rate of return on your funds!  An initial deposit of $5.00 starts your Christmas club account, which begins November 1^st and ends October 31^st.  You are free to make an unlimited amount of deposits at any time.  You can also choose how you want to receive your funds at the end of the Christmas club year - we can mail a check to you or automatically transfer the funds to your regular share account for easy access after October 31^st.  

Share Certificate Account

For just a minimum deposit of $1,000, make your money work even harder for you by putting it into a Share Certificate.  Choose the term that works for you: 6 months, 1 year, 2 years, 3 years or 5 years.  Or ladder your funds by purchasing a certificate at each term to vary the maturity dates for an even cash flow.  Rates change each Tuesday and are good until the following Monday.   Dividends are credited back to the certificate or credited to regular shares on the last calendar day of the month.

  Share Draft (Checking) Account

Use this account to manage your finances. Maintain a very low $20.00 minimum balance and you will receive an ATM card and the first 50 checks free.   Share draft deposits earn dividends which are credited monthly, so your funds work for you while they are sitting in your account.  In addition, our Kahului FCU image checks are free when you sign up for direct deposit.  And overdraft protection is available from your regular shares or a line of credit (subject to credit approval) or both!   

 Terms and Conditions Subject to Change Without Notice.

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This Credit Union is federally-insured by the National Credit Union Administration