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%	$50.00	$100.00	Monthly
Checking	0.025%	0.025%	$50.00	$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 March 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 March 1, 2021. A penalty may be imposed for early withdrawals. Dividends are credited to your Regular Share account or back to certificate.