Account Rates
Rates that support today's needs and tomorrow's dreams
Our checking and savings account rates are built to help your money grow — because as a not-for-profit credit union, that's who we work for: you. You trust us with your hard-earned money. We return that trust with rates, service, and support built around your goals, not shareholder profits.
Maui County Federal Credit Union customers earn better rates on savings accounts, loans and more. Contact us or visit a branch in Hawaii to learn more.
|
Account Type
|
Dividend Rate
|
APY**
|
Minimum Opening Deposit
|
Minimum Balance to earn APY
|
Dividend Frequency
|
|---|---|---|---|---|---|
| Malama Rewards Checking* | 4.89% | 5.00% | $25.00 | $100.00 | Monthly |
| Checking | 0.025% | 0.025% | $25.00 | $100.00 | Monthly |
|
Account Type
|
Dividend Rate
|
APY**
|
Minimum Opening Deposit
|
Minimum 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 |
|
Term
|
Dividend Rate
|
APY**
|
Min. Opening Deposit
|
Dividend Frequency
|
|---|---|---|---|---|
| 6-month | 4.17% | 4.25% | $1,000.00 | Monthly |
| 1-year | 3.20% | 3.25% | $1,000.00 | Monthly |
| 2-year | 2.96% | 3.00% | $1,000.00 | Monthly |
| 3-year | 2.96% | 3.00% | $1,000.00 | Monthly |
| 4-year | 2.96% | 3.00% | $1,000.00 | Monthly |
| 5-year | 2.96% | 3.00% | $1,000.00 | Monthly |
|
Account Type
|
Dividend Rate
|
APY**
|
Minimum Opening Deposit
|
Minimum Balance to earn APY
|
Dividend Frequency
|
|---|---|---|---|---|---|
| Traditional | 2.96% | 3.00% | $5.00 | N/A | Monthly |
| Roth | 2.96% | 3.00% | $5.00 | N/A | Monthly |
|
Dividend Rate
|
APY**
|
Minimum Opening Deposit
|
Minimum Balance to earn APY
|
Dividend Frequency
|
|---|---|---|---|---|
| 2.96% | 3.00% | $5.00 | N/A | Monthly |
* Read the savings, checking and IRA Truth in Savings disclosure here and the share certificate Truth in Savings disclosure here.
** Annual Percentage Yields (APYs) are accurate as of October 1, 2026. 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 October 1, 2026. A penalty may be imposed for early withdrawals. Dividends are credited to your Regular Share account or back to certificate.
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Insured by the National Credit Union Administration
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Competitive interest rates
Share Certificates
Watch your money work for you
Lock in a competitive rate and watch your savings grow with confidence.