FAQs

Looking for some answers quickly? We've compiled the questions we hear most frequently from members so you can find what you need and take care of business.

When you have a question, start here

If you don't find the answers you need, please contact us.

You are eligible to become a member of Maui County FCU if you live, work or go to school in the County of Maui (Maui, Molokai, Lanai), or if you are the immediate family member (grandparent, parent, stepparent, stepsibling, sibling, child, stepchild or grandchild) of a member or potential member.

321380072

Incoming wire instructions

Receiver Depository (First Credit)
Catalyst Corporate FCU
6801 Parkwood Blvd
Plano, TX 75024
Routing Number: 311990511

Beneficiary Financial Institution (Further Credit)
Maui County FCU
1888 Wili Pa Loop
Wailuku, HI 96793
Routing Number: 321380072

Beneficiary (Final Credit)
Member Name
Member Number

You can change your address via Home Banking or you can mail us a signed letter requesting to change your address.

Yes. Please e-mail [email protected].

Unexpired US government issued ID such as a driver’s license or passport, and original birth certificate.

 We no longer offer ATM cards.

For members, it’s 3.00% of your deposit and for non-members, it’s 10% of your deposit.

We only accept certain ATM networks. Please match the networks from your card to the networks that are located on our ATM.

Yes. Please e-mail [email protected].

Digital Services

Please call the credit union at (808) 244-7968 to unlock your Online Banking.

No, not currently.

You did not select any security questions when first signing up for Online Banking. You will need to contact the credit union to reset your Online Banking user profile.

You will need to add and register your external account by logging into Online Banking, select Bank It, select Account to Account transfer, and then select Manage Accounts.

You incorrectly entered your password at least three times and therefore are locked out of Home Banking or Mobile Banking. Please contact the credit union to unlock your user profile and/or to reset your password.

You can reset your password by either selecting the “Forget Security Code” feature on the login page or by contacting the credit union.

You will need to enroll in e-Statements via Online Banking. Log in and select Self Service, then select e-Statements.

Checking

In order to receive a reward each month, you will need to perform 10 or more debit card transactions per month, have at least one ACH deposit or ACH withdrawal per month, and enroll in & agree to receive e-Statements.

Please contact the credit union to file a dispute.

You can log into Online Banking to view your pending deposits or withdrawals.

Maui County FCU doesn’t participate in shared branching.

Please contact the credit union for more information.

The credit union does not keep your PIN on file. You can call 1-800-757-9848 to select a new debit card PIN.

You can either call or stop by the credit union to reorder checks.

Your debit card will expire on the last day of your expiration date month.

Your replacement debit card will be mailed out approximately 45 days prior to the last day of your expiration date month.

You can access or redeem your UChoose Rewards by logging into www.UChooseRewards.com.

Lending

You may apply for a loan prior to becoming a member. However, if you do have your account number, we will be able to pre-fill certain fields on our online loan application.

The normal processing time for Consumer loans is 2-3 business days and possibly longer depending on several factors. Please let us know if your situation requires a quicker response. Mortgage loan processing is discussed with borrowers for their specific situations.

Many people try to get the lowest payment or the highest loan amount they can qualify for, but that is usually not the best loan for you. The way to select the best loan for your situation is to discuss what you’re trying to accomplish with one of our loan officers.

Lenders primarily look at your income compared to the monthly debts you have, your credit history, and any collateral in determining how much you can qualify for.

Income documentation such as paystubs as well as documentation on any collateral. Your loan officer will let you know the specific requirements for your loan type.

Your interest rate is dependent on your credit score, loan type, term, and collateral. Other factors may impact your interest rate as well.

Please contact one of our branches as the process is different depending on where the funds are coming from.

Please call (808) 244-7968.

Ask our branch staff on how to sign up for our free credit monitoring service via our Home Banking App which will also have helpful hints to improve your credit. You may also make an appointment with one of our loan officers to discuss your specific situation.

Ask our branch staff on how to sign up for our free credit monitoring service via our Home Banking App which will also have helpful hints to improve your credit.

For consumer loans, please email [email protected]. For mortgage and home equity lines of credit, please email [email protected].

No, we do not offer student loans at this time, however, we have other products that may be able to help with your educational needs such as personal loans and home equity lines of credit.

No, we do not have personal lines of credit, but we do offer competitive credit cards with limited costs for cash advances and convenience checks.

Auto Loans

Via e-mail at [email protected].

Your interest rate is dependent on your credit score, loan type, term, and collateral. Other factors may impact your interest rate as well. Please see our rates page for more information.

Yes, we would love to see if it will be beneficial for you to refinance your auto loan.

Yes, we can help you decide what loan best fits your budget and needs before you select your specific vehicle.

Credit Cards

Please call the number on the back of your card to assist with most questions or email [email protected].

Apply online on our website or come into any of our branches.

Our credit cards are accepted worldwide and are a great way earn reward points. Our cards have a low fixed rate and low fees.

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Please call the number on the back of your card or email [email protected].

Mortgages:

Via e-mail at [email protected] or call 808-244-7968 and ask for our Mortgage Department.

Please go to midwestloanservices.com for Online services available, call customer service at 800-262-6574, or email [email protected]

We require a minimum of 10% down payment of the purchase price. Certain loan types and collateral types require a higher down payment amount.

Yes, we offer jumbo loans on a limited basis.

Yes, we offer both land and construction loans.

No, we do not offer mortgages on leasehold properties.

Email us at [email protected] or call us at 808-244-7968 and ask to speak to our Mortgage Department to talk about your refinancing options.

Applying online on our website will allow you to upload documents and get emailed updates or you may call 808-244-7968 and set up an appointment with one of our mortgage department staff.

The specific amount of your closing costs vary by your loan type, loan amount, and other factors. After we receive a completed application, you will receive an estimate of closing costs for your situation. Closing costs may be categorized as:

  • Lender fees: (Loan processing fee, Loan origination fee, Document preparation fee)
  • Third-party fees: (Appraisal, Credit report, Title and Escrow, Flood certification)
  • Taxes and other costs: (Recording fees, County/State/Federal taxes)

A Home Equity Line of Credit is a form of revolving credit in which your home serves as collateral. It is a flexible lending solution where you can draw against your credit limit conveniently for different things that are important to you. You are able to re-borrow any part of your credit line again once you have repaid it as long as your draw period has not ended. Please see the HELOC product description for more information.

To request a mortgage or home equity payoff please email us at [email protected].

Although we do not offer deals for first time home buyers, we have helped many first-time homebuyers buy their homes with our existing mortgage options.