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Rates

Checking & Savings

Checking Accounts
Account Type Dividend Rate APY** Min. Opening Deposit Min. Balance to earn APY Dividend Frequency
Malama Rewards Checking* 1.49% 1.50% $25.00 $100.00 Monthly
Checking 0.025% 0.025% $25.00 $100.00 Monthly
Saving Accounts
Account Type Dividend Rate APY** Min. Opening Deposit Min. Balance to earn APY Dividend Frequency
Regular Savings 0.05% 0.05% $5.00 $100.00 Monthly
Kids Club Account 0.05% 0.05% $5.00 $100.00 Monthly
Teen Account 0.05% 0.05% $5.00 $100.00 Monthly
Christmas Savings 0.05% 0.05% $5.00 N/A Annually
IRAs
Account Type Dividend Rate APY** Min. Opening Deposit Min. Balance to earn APY Dividend Frequency
Traditional 0.50% 0.50% $5.00 N/A Monthly
ROTH 0.50% 0.50% $5.00 N/A Monthly
Coverdell ESA 0.50% 0.50% $5.00 N/A Monthly
Share Certificates
Term Dividend Rate APY*** Min. Opening Deposit Dividend Frequency
6-month 0.20% 0.20% $1,000.00 Monthly
1-year 0.35% 0.35% $1,000.00 Monthly
2-year 0.50% 0.50% $1,000.00 Monthly
3-year 0.50% 0.50% $1,000.00 Monthly
4-year 0.50% 0.50% $1,000.00 Monthly
5-year 0.75% 0.75% $1,000.00 Monthly

* Click here to read the Truth in Savings disclosure.

** Annual Percentage Yields (APYs) are accurate as of July 1, 2021. The rates may change after the accounts are opened. Fees could reduce the earnings on the accounts. Dividends and percentage yields may change monthly, as determined by the Board of Directors. Credit Union membership is $5.00 par value.

*** Annual Percentage Yields (APYs) are accurate as of July 1, 2021. A penalty may be imposed for early withdrawals. Dividends are credited to your Regular Share account or back to certificate.