In this section
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.
What are your wire instructions?
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)
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].
What documents do I need to open an account?
Unexpired US government issued ID such as a driver’s license or passport, and original birth certificate.
We no longer offer ATM cards.
What is the fee for your change machine?
For members, it’s 3.00% of your deposit and for non-members, it’s 10% of your deposit.
Why is your ATM not taking my card?
We only accept certain ATM networks. Please match the networks from your card to the networks that are located on our ATM.
Do you offer medallion signature guarantee appointments?
Yes. Please e-mail [email protected].
Do you offer business accounts or business loans?
No, not currently.
How do I unlock my Online Banking?
Please call the credit union at (808) 244-7968 to unlock your Online Banking.
Why is Online Banking showing security questions I did not choose?
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.
How do I set up external accounts in Online Banking?
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.
Why am I locked from Online Banking?
You may have incorrectly entered your password at least three times and therefore are locked out of Online Banking. Please contact the credit union to unlock your user profile and/or to reset your password.
How to reset my Online Banking password?
You can reset your password by either selecting the “Forget Security Code” feature on the login page or by contacting the credit union.
How do I enroll for e-Statements?
You will need to enroll in e-Statements via Online Banking. Log in and select Self Service, then select e-Statements.
Does Maui County FCU have a mobile banking app?
Mobile Deposit is a service on the Maui County FCU mobile banking app that allows you to use your iPhone or Android phone to make a deposit into your MCFCU account by taking a picture of the front and back of your endorsed check.
How can I deposit a check using the app?
First, make sure that you signed up for online banking, you will need to have online banking to sign into mobile banking.
Endorse the check(s) using BLUE or BLACK ink to sign your name (indicated by "Your Signature" in the example to the right). Below your signature, print "For MCFCU Mobile Deposit Only".
Open the Maui County FCU mobile app and login using your username and password. Then follow these steps:
After the deposit is done, we recommend keeping the check on-hand until the deposit has gone into "Accepted" status. If a check was rejected, you may need to bring the check into one of our branches.
Tap "View mobile deposit history" to see the the history of all, accepted, pending, and failed mobile check deposits. Tapping the ''Accepted", "Pending", and "Failed" options will provide a status on deposits and tapping on any individual item will show you the details for that particular item.
Are there any fees for using Mobile Deposit?
The service is absolutely free to members. However, wireless carriers may charge fees for data usage. Please check with your wireless carrier for more information.
Who is eligible to use Mobile Deposit?
You must be 18 years or older. Mobile Deposit is available to members in good standing. Eligibility can be revoked at any time and without notice. To get started you will need to be enrolled in Online Banking and have our Mobile App downloaded on your mobile device.
Which mobile devices are supported for Mobile Deposit?
Apple IOS and Google Android support mobile services.
Which MCFCU accounts can I deposit checks to?
You can deposit checks into your MCFCU Savings or Checking Accounts.
What types of checks can I deposit with Mobile Deposit?
We will accept original checks payable solely to you. You should not use MDC to deposit third-party checks, substitute checks, copies of checks, travelers checks, money orders, checks drawn on a foreign bank, post-dated checks, or checks older than 6 months old. For more information on ineligible check items please refer to the Mobile Deposit Capture Agreement.
How do I know if the check has been deposited into my account?
You can view the status of your check deposit by accessing the 'Deposit History' feature in the Mobile App. Alternatively, you can view your account history to check your account balance to confirm the check deposit and to confirm when the funds will be available.
What is the cut-off time to submit mobile deposits?
Mobile Deposits submitted prior to 3 p.m. Pacific Standard Time each business day , will generally be processed on the same day. Checks submitted after 3 p.m. PST, on weekends, or holidays will be processed on the next business day. A business day is considered every calendar day except Saturdays, Sundays, and federal holidays.
Is there a limit on checks that I can deposit via Mobile Deposit?
You can deposit a total of $5,000 on any single business day or a single deposit. For the purposes of these limits, Saturdays, Sundays, and federal holidays are considered part of the next business day.
When will my mobile deposit be available? Will there be a hold on the deposit?
Funds made through Mobile Deposit will generally be available the first business day after receipt. However, the deposit may be delayed up to three (3) business days after receipt depending on the circumstances. Please refer to the MCFCU Funds Availability Policy Disclosure for more information.
How will I know if there's a problem with my mobile deposit?
If we are unable to process your deposit or a correction is required, we will send a message to you via Online Banking. You can also view the status of your deposit in the Mobile Deposit section of our Mobile App under "View mobile deposit history". NOTE: the status information provided by the app is subject to change.
How will I recognize mobile deposits on my account statement?
Check deposits made with Mobile Deposit Capture are identified as 'FiservIP Check DEP' on your account statement and Online Banking history.
Do I need to endorse the check for mobile deposit?
Yes, we require proper endorsement on the back of the check. You must sign your name and write 'For MCFCU Mobile Deposit Only' in the endorsement section.
Why haven’t I been getting my cash back/higher interest rate on my rewards 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.
What should I do if there’s a charge on my account that I don’t recognize?
Please contact the credit union to file a dispute.
Are there any pending deposits or withdrawals on my account?
You can log into Online Banking to view your pending deposits or withdrawals.
Why can’t I do a deposit from another Credit Union with you?
Maui County FCU doesn’t participate in shared branching.
Why is my debit card is not working?
Please contact the credit union for more information.
What is the PIN number for my debit card?
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.
Does my card expire at the beginning or ending of the month?
Your debit card will expire on the last day of your expiration date month.
Will I get a replacement debit card before it expires?
Your replacement debit card will be mailed out approximately 45 days prior to the last day of your expiration date month.
How do I access or redeem UChoose Rewards?
You can access or redeem your UChoose Rewards by logging into www.UChooseRewards.com.
Is my account number required to apply for a loan online?
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.
What is the turnaround/processing time to get a response for a loan?
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.
What’s the best way to choose between loans?
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.
What documents are required when applying for a loan?
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.
How is my interest rate determined?
Your interest rate is dependent on your credit score, loan type, term, and collateral. Other factors may impact your interest rate as well.
How do I set up automatic payments for my loan?
Please contact one of our branches as the process is different depending on where the funds are coming from.
How do I make a payment over the phone?
Please call (808) 244-7968.
How can I improve my credit score?
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.
Do you offer free credit monitoring services?
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.
Who do we contact to request a payoff quote?
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.
Do we offer personal 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.
How do I contact your Automobile Loan Department?
Via e-mail at [email protected].
What are the current auto loan rates?
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.
Can I refinance my auto loan at another financial institution?
Yes, we would love to see if it will be beneficial for you to refinance your auto loan.
Can I prequalify for an auto loan before I know what vehicle I’m purchasing?
Yes, we can help you decide what loan best fits your budget and needs before you select your specific vehicle.
Personal and Consolidation Loans
How do I contact your Credit Card Department?
Please call the number on the back of your card to assist with most questions or email [email protected].
How do I apply for a credit card?
Apply online on our website or come into any of our branches.
What are the benefits of a MCFCU credit card?
Our credit cards are accepted worldwide and are a great way earn reward points. Our cards have a low fixed rate and low fees.
If I’m traveling, how do I notify MCFCU?
How do I change the PIN on my credit card?
How do I dispute a credit card transaction?
How do I report a lost or stolen card?
How do I request a replacement card?
How do I request for an increase in my credit limit?
Please email [email protected] or visit one of our branches.
How do I contact your Mortgage Department?
Via e-mail at [email protected] or call 808-244-7968 and ask for our Mortgage Department.
How do I contact Midwest Loan Services?
Please go to midwestloanservices.com for Online services available, call customer service at 800-262-6574, or email [email protected]
What are you down payment requirements?
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.
Do you offer Land or Construction loans?
Yes, we offer both land and construction loans.
Do you offer mortgages on leasehold properties?
No, we do not offer mortgages on leasehold properties.
How can I get more information about refinancing?
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.
How can I apply for a new mortgage?
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.
What are the closing costs for my mortgage?
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:
How will a Home Equity Line of Credit work for me?
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.
How do I request a Mortgage or Home Equity Line of Credit payoff amount?
To request a mortgage or home equity payoff please email us at [email protected].
Do you have any deals for first time homebuyers?
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.