20 FREE Tokens — Just for Joining!
Every new Kids Club member gets 20 free tokens* to kick off their savings adventure. It's our gift to your little one!
Big Dreams Start with Small Savings
Research shows that kids who develop healthy money habits early carry those skills for life. Our Kids Club account (for children newborn to age 12) gives your child their very own savings home — a safe, fun place to watch their money grow while learning the basics of smart saving. Whether they're depositing birthday money or saving up for something special, every deposit is a step toward financial confidence.
KIDS CLUB PERKS
Get Tokens for Deposits
Kids earn 1 token for every $10 deposited, up to 50 tokens per day. Plus, double tokens (up to 10 tokens) on their special day. Kids Club members can redeem them for prizes at any Maui County FCU location!**
Get Cash for Good Grades
We celebrate hard work! Earn $1 for every ME or A on your report card, up to $5 per quarter — deposited right into your account. Report cards accepted within one month of the report card date for the most recent grading period. Progress reports are not eligible.
Their Very Own Newsletter
Kids Club members receive a fun, kid-friendly Hoku Iki Herald newsletter packed with savings tips, money activities, puzzles, and more designed just for them.
Free Coin Machine Access
Got a jar full of loose change? Kids Club members use our coin machine for free — turning that piggy bank overflow into real savings!
An Account Built for Kids
Your child's savings account is their own. Parents stay in the loop while kids learn real ownership of their money — a priceless life lesson.
Grow With Us
When your Kids Club member turns 13, they seamlessly transition to our Teen Account and keep building the great money habits they started here.
FINANCIAL FOUNDATIONS
Raising Money-Smart Kids
Good money habits don't happen overnight — they're built little by little, year by year. The Kids Club makes those early lessons easy, positive, and even exciting:
* 20 free tokens will be given to new Kids Club members at the time of account opening. Offer valid April 1 - June 30, 2026, and available to new members only. Tokens have no cash value and are redeemable for prizes only at Maui County FCU locations. Offer is subject to change and available while supplies last.
** Kids Club member must be present to receive and redeem tokens.