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RATES

Maui County FCU’s mission statement is “caring for our members’ needs”. To accomplish this mission, MCFCU always attempts to provide our members with the highest earning rates on checking and savings accounts, and the lowest possible interest rates for loans.

For our current rates, please see the chart below.

Loan Products

Loan Type

Conditions

Approximate Term

Annual Percentage Rate

Share-Secured Loan 100% Share Secured

up to 5-years

2.00%
" "

5-years (+) to 10-years

2.50%

Repayment Example: A $5000.00 loan at 2% APR over a 5 year term would require monthly payments of $87.64

New Auto Loan as low as
Age of vehicle up to 4 years

2.90%*
Used Auto Loan as low as
Age of vehicle 5 to 10 years

4.75%*

Repayment Example: A $15000.00 loan at 2.9% APR over a 5 year term would require monthly payments of $268.86

Personal Loan as low as 4.75%*

Repayment Example: A $5000.00 loan at 4.75% APR over a 1 year term would require monthly payments of $427.46

Consolidation Loan as low as 4.75%*

Repayment Example: A $5000.00 loan at 4.75% APR over a 1 year term would require monthly payments of $427.46

Overdraft Protection up to $2,500 Revolving

14%

Loan advances done in $50.00 increments. Monthly payment for loan balances up to $1,500.00 is $50.00. Monthly payment for loan balances from $1,500.01 to $2,500.00 is $100.00. $2,500.00 maximum loan amount.
*The rates stated are based on an evaluation of applicant credit and auto payment. Your actual rate may vary.
Fixed Rate Mortgage
10 Year term Please call our mortgage department for rates and more information
15 Year term Please call our mortgage department for rates and more information
30 Year term Please call our mortgage department for rates and more information
Adjustable Rate Mortgage
5/1/30 ARM Please call our mortgage department for rates and more information
Home Equity
Home Equity Line of Credit (HELOC)1 Please call our mortgage department for rates and more information
1A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family fee simple residential real estate. This type of credit not available for modular homes, manufactured homes, or cooperatives. The HELOC has a 10-year draw period with a 20-year amortized repayment (principal and interest) period. Minimum monthly payment is $100. You must carry fire, hurricane & flood (if applicable) insurance on the property that is secured as collateral at the homeowners’ expense. Minimum line of credit amount is $20,000, and the minimum loan amount is $5,000 for the first advance and $500 thereafter. The maximum line of credit amount for primary residences without an existing mortgage is the lesser of $500,000 or 80% LTV. The maximum loan amount for primary residences with an existing mortgage is 80% LTV minus the balance of the existing mortgage up to $250,000. The credit union waives closing costs, estimated between $500 to $1,200 if member conducts a $5,000 withdrawal within the first 6 months of account opening and does not close the credit line within 12 months of opening.
Click Here to Apply for a Mortgage Loan
Rates are updated weekly and are subject to change without notice. Rates and terms may vary based on credit history, loan-to-value ratio, financial condition of applicant, and condition of collateral. Rates are subject to change and are dependent upon borrower qualification and satisfactory appraisal. The above is not an advertisement of rate as determined by Regulation Z, nor an offer for lock-in. Other terms and conditions may apply.
Visa Platinum

as low as

10.25%
No annual fee. APR may change after the account is opened. Click here for our current credit card disclosures.
MCFCU Fee Schedule

Fee Schedule

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Share Accounts

Account Type

Annual Percentage Yield *

Minimum Opening Deposit

Minimum Balance to earn APY

Dividend
Frequency

Regular Share 0.20% $5.00 $100.00 Monthly
Christmas Club
(term varies depending on opening date)
0.20% $5.00 N/A Annually
Share Draft (Checking) 0.10% $50.00 $100.00 Monthly
Malama Rewards (Checking) 2.50% $50.00 $100.00 Monthly
IRA-Traditional 1.50% $5.00 N/A Monthly
IRA-ROTH 1.50% $5.00 N/A Monthly
IRA-Coverdell ESA 1.50% $5.00 N/A Monthly
* Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date. 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.

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Share Certificates

Term

Annual
Percentage
Yield *

Minimum Opening Deposit

Dividend Frequency

6-month 1.00% $1,000.00 Monthly
1-year 1.30% $1,000.00 Monthly
2-year 1.50% $1,000.00 Monthly
3-year 1.75% $1,000.00 Monthly
4-year 2.00% $1,000.00 Monthly
5-year 2.25% $1,000.00 Monthly
* Annual Percentage Yields (APYs) are accurate as of 10/1/18. A penalty may be imposed for early withdrawals. Dividends are credited to your Regular Share account or back to certificate.

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