Savings Accounts


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.

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.

Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY*
$50.00 None 0.15%

*The Annual Percentage Yield (APY) is effective as of 4/1/19 and may change without notice. Fees may reduce earnings.

Christmas Savings 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 Savings Account. New accounts may be opened throughout the year, however, to receive the dividend all funds must be maintained in the account until the annual distribution on November 1st. On November 1st of each year, the balance in your Christmas Savings Account will be automatically transferred to your Regular Share Account.

Minimum Opening Deposit Minimum Average Daily Balance to Earn APY APY*
$5.00 None 0.20%

*The Annual Percentage Yield (APY) is effective as of 4/1/19 and may change without notice. Fees may reduce earnings.

Checking Account

Use this account to manage your finances. Access your funds by writing checks, by using our convenient VISA® debit card, or via our Virtual Branch service. Our Kahului FCU image checks are free when you sign up for direct deposit. This account earns dividends which are credited monthly, so your funds work for you while they are sitting in your account. Overdraft protection is available from your regular shares or a line of credit (subject to credit approval) or both!

Minimum Opening Deposit Minimum Average Daily Balance to Earn APR APY*
$20.00 None 0.05%

*The Annual Percentage Yield (APY) is effective as of 4/1/19 and may change without notice. Fees may reduce earnings.