The good news? It's easy to become a Maui County FCU member. The better news? When you sign on, you gain instant access to high-value accounts, low-cost loans, consumer discounts and other perks.

We're not quite a bank. And that's a good thing.

At Maui County FCU, we don't have shareholders to answer to, as the 'big banks' do. As a not-for-profit institution, we put the focus on providing our members with every financial advantage possible.

Credit Unions vs. Banks
  • Credit unions and banks offer similar services, such as personal loans, vehicle financing, and savings and checking accounts.
  • Banks are owned by shareholders. The ultimate goal is to earn profits for the shareholders.
  • Credit unions are member-owned. Their primary focus is serving their communities, not making a profit.
  • Each credit union member can vote for the organization's policy-setting Board of Directors.
  • At a credit union, all excess revenues (beyond operating costs and prudent cash reserves) are returned to members in the form of lower fees, reduced loan rates and enhanced dividends on savings accounts.
  • Credit unions also tend to feature more personalized customer service and more local community involvement.
Additional Benefits
  • No-Charge ATM Access: No fees at our branch ATMs, at First Hawaiian Bank and American Savings Bank, and at 30,000-plus ATMs that are part of the CO-OP network.
  • Self-Serve Change Machine: Located at the Lahaina and Wailuku branches
  • Notary Public Service: Schedule an appointment here.
  • Medallion Signature Guarantee Stamp: Book an appointment at [email protected]
  • Guaranteed Asset Protection (GAP) Insurance: Helps protect members against financial loss if their vehicle is stolen or declared a total loss. GAP coverage reduces or eliminates the difference between members’ primary insurance settlement and the vehicle loan balance.
  • Extended Warranties for New and Used Vehicles: High-quality, comprehensive coverage pays for the cost of parts and labor for any covered vehicle mechanical repair. Also may cover rental car reimbursement, 24-hour roadside assistance, and travel expense reimbursement.
  • Accidental Death & Dismemberment Insurance: TruStage insurance pays a cash benefit if you die in an accident or sustain serious injuries. Get more information and a free quote.
  • Life Insurance: Make sure your loved ones are protected. TruStage will work with you to select a policy that’s right for your budget, with ongoing support and no hassle. Get more information and a free quote.
  • Discounted Auto Insurance: Farmers Insurance Hawaii saves our members an average of $414 (savings from information provided by new policyholders from 11/01/21 to 10/31/22) on your auto insurance with Farmers Insurance Hawaii. Get a quote here or call (800) 304-1591.
  • Discounted Movie Tickets: Consolidated and Regal theaters
  • Discounted Vacation Packages: Through Travel Agency Partners
  • Wireless Service: Sprint discounts and cash reward
Become a Member

How do you become part of a credit union that's ready to do so much for you? It's pretty easy.

  • You're eligible to join Maui County FCU if you live, learn or work in the County of Maui (Maui, Molokai, Lanai).
  • You're also eligible if you are an immediate family member (grandparent, parent, stepparent, stepsibling, sibling, child, stepchild or grandchild) of a member or potential member.
  • If you meet those guidelines, all you need to do is open a savings account, also known as a Share Account.