FAQs

Yes — rewards points on every purchase. Points are redeemable for cash back.

No. If you already use your debit card and have direct deposit or another regular ACH transaction, Malama Checking can earn up to 5.00% APY on the same balance.

No — see Cash Back Checking for 4% cash back on debit purchases (up to $10/month).

Yes — unlimited free checks with direct deposit, or if you're age 55+.

Yes — rewards points on every purchase. Points are redeemable for cash back.

Yes — capped at $10 per month.

No, at any time. For dividend-earning checking, see Basic Checking or Malama Rewards Checking.

Yes — unlimited free checks with direct deposit, or if you're age 55+.

No, you can add funds at anytime.

Points are redeemable through the rewards portal for gift cards, plane tickets, merchandise, or cash back

After the 18-month promotional period, the transferred balance reverts to your card's standard purchase APR. See current rates for that card's standard APR.

Yes. Balance transfers are charged a 3% fee, with a $5 minimum.

The Secured card is designed as an accessible starting point for members building or rebuilding credit, and on-time payments on it can help you qualify for the Rewards or Platinum card later.

View this video.

Funds made through mobile check 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.

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.

Check deposit "acceptance" does not mean that the funds will be available to you. Check your account history and your account balance to confirm that the funds are available.

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.

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.

If we are unable to process your deposit or a correction is required, we will send a message to you via digital banking. You can also view the status of your deposit "Deposit checks" in your main menu.

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.

From your dashboard select the account that you'd like to setup alerts or notifications for then select "Alert Preferences" where you can customize your balance and transaction alerts.

Your account could be locked because of too many login attempts, if the account is no longer in good standing, or if fraud is suspected. Please give us a call at 808-244-7968 or visit any of our branches so we can help you determine the exact reason.

Yes, you can add accounts from other financial institutions by going to the main menu and navigating to "Accounts", then the plus sign (+), and selecting "Make an external transfer".

You can reset you password by selecting the "Forgot password" option , or from the main menu, slecting your name, then "Settings" > "Security" > "Change password".

You can enroll in eStatements, eNotices, and eTax Forms by selecting "Documents" from your dashboard and selecting "Profile" from the menu.

Download the free Zogo app from the App Store or Google Play, then enter code MAUI to unlock access.

No—anyone can use Zogo with the MAUI access code.

No. Courses, tools, articles, the wellness check-up, and Zogo are all free to use.

Zogo works for all ages. Lessons are broken into short, simple modules, making it a good fit for teens just learning about money as well as adults looking to sharpen specific skills like credit or budgeting.

You earn points for completing lessons and quizzes. Points can be redeemed for gift cards to popular stores.

No. Reward redemption works the same whether or not you're a member — rewards are tied to your Zogo activity, not your account status.

Common topics include budgeting, saving, credit scores, loans, and general money management basics, organized into short modules you can complete at your own pace.

Zogo is a standalone financial literacy app — it isn't connected to your Maui County FCU account or transaction history. It's purely educational.

Yes, some information is shared with Maui County FCU, and we keep that information private.

Yes, Zogo shares some information with Maui County FCU, and we keep that information private.

• Withdrawals from either IRA type before age 59½ are generally subject to a 10% IRS early withdrawal penalty, plus any income tax owed, with some IRS-defined exceptions

• For a Roth IRA, withdrawing your original contributions is generally not penalized, but withdrawing earnings before age 59½ and before the account is 5 years old is

• Traditional IRAs are subject to required minimum distributions (RMDs) starting at an age set by the IRS; Roth IRAs are not subject to RMDs during the original owner's lifetime

Traditional: contributions may be tax-deductible now; you pay tax on withdrawals in retirement. Roth: contributions are after-tax now; qualified withdrawals in retirement are tax-free. Which is better depends on your current versus expected future tax bracket — a financial or tax advisor can help you decide.

• Maui County FCU membership ($5.00 par-value share).

• Credit and underwriting approval.

• Property-specific requirements (for example, access, utilities, zoning, or acreage limits

Yes, we can help you with refinancing your mortgage, auto loan, and personal loans.

A HELOC (Home Equity Line of Credit) lets you borrow money using your home's equity as collateral. Think of it like a credit card, but backed by your house — you can borrow, repay, and borrow again, up to a set limit.

How much can I borrow?

It depends on your home's value and how much you still owe on your mortgage. Most lenders let you borrow up to 80–85% of your home's value, minus your remaining mortgage balance.

How does repayment work?

A HELOC has two stages:

1. Draw period (usually 5–10 years): Borrow what you need, when you need it. Often you only pay interest during this time.

2. Repayment period (usually 10–20 years): You stop borrowing and start paying back both principal and interest — so payments typically go up.

Are the interest rates fixed?

Usually not. Most HELOCs have variable rates, meaning your payment can go up or down over time. Some lenders offer a fixed-rate option.

What can I use a HELOC for?

Common uses include home renovations, debt consolidation, large unexpected expenses, or having funds available for emergencies.

We offer share-secured loans and credit cards to help you build your credit.

Yes — rewards points on every purchase. Points are redeemable for cash back.

No — see Cash Back Checking for 4% cash back on debit purchases (up to $10/month).

Yes — unlimited free checks with direct deposit, or if you're age 55+.

Since credit unions are owned by their members rather than shareholders, when you deposit money into a basic savings account, you're technically purchasing a "share" of the credit union. That's what makes you a member-owner with voting rights (like electing the board), not just a customer. Often there's a small minimum deposit (e.g., $5–$25) required to open a share account, and that minimum balance is what establishes and maintains your membership.

Credit unions are owned by their members, not by outside shareholders. When you open an account, you technically become a member-owner. Profits get returned to members — through lower loan rates, higher savings rates, lower fees, or dividends — rather than paid out to external investors.

Yes, if you are the immediate family member (grandparent, parent, stepparent, stepsibling, sibling, child, stepchild or grandchild) of a member or potential member.

No, as long as a minimum of $5 is maintained in an account.

A credit union is similar to a non-profit organization, however it is a not-for-profit and does aim to generate a financial surplus each year because it needs capital reserves, has to cover operating costs, etc.), but that surplus isn't distributed to outside shareholders — it's used for the benefit of members and the institution's stability. That's why they're more precisely called "not-for-profit" rather than pure nonprofits.

Yes, Maui County FCU deposits are federally insured by the NCUA up to $250,000.

Visit our Membership & Benefits page for details.

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

Yes, for amounts of $100,000 or less. For amounts over $100,000, member will have to go to a bank. This service is offered by appointment at our Wailuku Branch only. An appointment can be made by emailing [email protected]. The following items are required:

• Must be a member for at least 6 months and in good standing

• Unexpired Federal issued U.S. ID

• Documentation showing the exact and complete ownership of the security

• Documentation showing the value of the transaction

• Documentation showing your legal authority

Not at this time.

Not at this time.

View the financial education resources available to you.

Please call, email us, or send us a secure message through digital banking.

A share certificate is the credit union equivalent of a bank certificate of deposit (CD) — a savings product where you lock away money for a set period in exchange for a guaranteed, typically higher, dividend rate.

How it works

• You deposit a lump sum for a fixed term — common terms range from 3 months to 5 years.

• The rate is locked in for that term, so you know exactly what you'll earn, regardless of what happens with rates elsewhere in that time.

• In exchange for locking your money up, share certificates generally pay higher dividends (the credit union term for interest) than a regular share savings account.

• At maturity (when the term ends), you get your original deposit back plus the dividends earned. Most credit unions let you choose to withdraw the funds, roll them into a new certificate, or add more money and renew.

Key features

• Minimum deposit: Often $500–$1,000 to open, though this varies by credit union.

• Early withdrawal penalty: If you take money out before the term ends, you'll typically forfeit some dividends — often a set number of months' worth, depending on the term length.

• Fixed dividend rate: Unlike a share savings account (where rates can float), the rate on a certificate is locked for the full term.

• NCUA insured: Just like share savings accounts, certificates are insured up to $250,000 per depositor, per institution.

Why people use them

• Safer, predictable place to grow money you don't need immediate access to

• Often used for short-to-medium-term savings goals (a house down payment, a wedding, etc.)

• A way to earn more than a regular savings account without taking on stock-market risk

A fee is incurred for early withdrawal.

• Meet VA eligibility requirements as a veteran, active-duty service member, or eligible surviving spouse, and hold a valid Certificate of Eligibility.

• Purchase a primary residence; VA Loans aren't available for investment properties or second homes.

• Meet Maui County FCU's credit and underwriting approval standards.

A VA funding fee of 2.15% or 2.40% applies, depending on your military service history, and can be rolled into your financing instead of paid upfront. Closing costs are capped by federal law. Beyond the funding fee, specific closing cost figures and any origination fee are are confirmed by Maui County FCU.

• Submit the report card showing the ME or A grade within one month of the report card date

• Submit an actual report card — progress reports are not eligible

The child must:

• Deposit funds in person at a branch

• Be physically present to receive and redeem tokens

Neither account earns cash back. The Kids Club Account has no debit card, so there are no rewards points to earn. Teen accounts with a checking account and debit card earn debit card rewards points.

Kids Club (newborn–12) includes tokens, a piggy bank, and coin-counting machines. Teen (13–17) includes a free debit card and the Zogo drawing instead. Both pay the same interest on balances over $100.00, have free coin machine access, and the same grade rewards.

At 13, they are automatically rolled over to a Teen Account.