Kloey is a bright, happy-go-lucky six-year-old who already knows something many adults are still learning: saving money matters. A first grader at Princess Nahenahe School, Kloey fills her days with hula dancing, splashing at the beach, and dreaming of Mickey and Minnie Mouse. She speaks ʻōlelo Hawaiʻi with pride, and she carries that same spirit of aloha into everything she does — including the way she saves.

Earning the Right Way

Kloey earns her money the old-fashioned way — by working for it. She helps her papa and tūtū around the house, and she keeps her room clean to earn a little extra. Every dollar she earns, she saves. Not because she has to, but because she wants to.

“She always wants to save her money for when we rebuild our house,” shares Kloey’s mom, Kele-Jo. “She’s just so loving and caring.” At just six years old, Kloey isn’t saving for toys or candy — she’s saving for her family’s future. That’s the kind of heart that makes a Kids Club account mean so much more.

More Than Banking – It Feels Like Family

For Kloey, walking through the Maui County Federal Credit Union (FCU) doors feels like coming home. Every visit she and her family are greeted with big smiles, warm hellos, and staff who know them by name.

“Every time we walk through the doors, everyone welcomes us,” Kele-Jo says. “They tell me ‘hi’ by my name and ask how I am. I feel like they’re my friends and family.”

That sense of belonging is what sets a credit union apart. Members aren’t just account numbers — they’re neighbors, ʻohana, and community.

An Account Just for Kids Makes Saving Fun

One of Kloey’s absolute favorite things? Making her deposits. Every time she brings her money in, she earns tokens — and those tokens are serious business. She saves them up patiently, holding out for the bigger prizes rather than spending them right away.

Her go-to prize? Slime. It’s her favorite, hands down. But the Kids Club prize selection has something for everyone — including some toys that, as Kloey will happily tell you, “Mommy won’t buy.” Her latest redemption was a grocery basket set, a prize she was especially proud to pick out herself.

“I love saving my money so I can get tokens and get gifts that I get to pick out,” Kloey says. “I’m so thankful for all these ways that keep me excited to save my money.”

And here’s something Kloey wishes more kids knew: the Kids Club doesn’t just reward saving. It rewards good grades, too. That’s right, bringing home strong report cards earns tokens just like depositing money does. For a student like Kloey, working hard at Princess Nahenahe School is just one more reason to look forward to her next visit to the credit union.

That excitement is exactly what the Kids Club is designed to create — turning saving and learning into something kids genuinely look forward to, so great habits grow right along with their savings.

A Bright Future

Kloey doesn’t just dream big. She’s saving for those dreams, one deposit at a time. Whether it’s rebuilding a home, dancing hula on a bigger stage, or one day visiting Mickey and Minnie at Disneyland, her savings account is growing right alongside her.

And with the Maui County FCU ʻohana cheering her on every step of the way, Kloey’s future looks very bright indeed.