Build a budget
Financial Education
Empowering you to take control of your financial future
Create an emergency fund
Increase your credit score
Pay down debt faster
Save for higher education dreams
Keep your funds secure
Financial education that meets you where you are
Taking control of your finances starts with the right resources at the right time. That's what you'll find here—courses, tools, articles, and a financial wellness check-up, all designed to help you understand your options and make informed decisions.
Not sure where to start? The financial wellness check-up is a good place to begin. Take it, and we'll recommend courses, tools, and articles based on your results—so you're not guessing which resources are right for you.
Prefer playing games and learning on the go? Download Zogo, our financial education app, and use code MAUI to access bite-sized lessons and earn rewards on your own schedule.
Tools
Build Your Budget
Set up your budget to set goals, plan for expenses, and keep your finances on track.
Emergency Fund
Learn more about preparing for emergencies with an analysis of how much to save and when to start.
Courses
Creating a Budget
In this course, you will learn how to create a budget, stick with it, and use it in building smart spending habits.
Mastering Credit and Optimizing Your Score
In this course, you will learn how to use credit effectively and how to manage debt for an optimal credit score.
Preparing for higher education
Learn how to effectively maneuver through the process of taking out federal student loans, with an emphasis on smart borrowing.
Saving for a child's education
This course will help you fund an education for that future student in your life by examining ways to save, and how to make the most of your contribution.
Article
Protect Your Money
Fraudsters are constantly refining their tactics, but a few smart habits can keep your accounts and personal information safe. Whether you're banking online, over the phone, or in person, here's what you need to know to stay one step ahead.
Pros of a Fixed Rate Credit Card
Are you impacted by high-interest credit cards? If you are, join us for a dive into the world of credit cards because we're letting you in on a little secret - the benefits of a fixed rate credit card in this unpredictable interest rate environment. So buckle up and get ready for some financial wisdom!
Share Certificate Benefits
In today's economic climate, finding safe and reliable ways to grow your savings can be challenging. While the stock market offers potential for high returns, it also comes with significant risks. On the other hand, traditional savings accounts often provide minimal interest, making it difficult to grow your money.
High Dividend Checking Perks
Let's talk about money because who doesn't love that topic, right? Specifically, let's dive into the benefits of having a high dividend checking account at a credit union. I know, I know, finance can be about as exciting as watching paint dry, but bear with me because this stuff matters.
Car Buying Tips
So, you’re thinking about buying a car? Well, let me tell you, it's an exciting adventure, but it can also be a bit confusing. No worries, though—I'm here to make it easy-peasy for you. Check out these cool tips for buying and financing a car!
Check Out Zogo!
Not sure where to start with money management? Zogo makes it simple.
Whether you're teaching your kids about saving or brushing up on your own financial know-how, Zogo gives Maui County residents a free, guided way to build money skills — one short lesson at a time.
Quick facts:
What it is: Zogo Finance, a financial literacy app
Cost: Free for Maui County FCU members
Available on: iOS and Android
Best for: All ages — especially individuals new to budgeting, saving, or credit
What you get: Short lessons + quizzes, plus points that can be redeemed for gift cards
How Zogo works:
Download Zogo from the App Store or Google Play
Enter the code MAUI to earn points redeemable for gift cards
Complete bite-sized modules on topics like budgeting, credit, and saving
Earn points as you go
Redeem points for gift cards to popular stores
Why members like it:
Learn at your own pace — modules take just a few minutes, so you can fit them into a lunch break or while waiting in line
Get rewarded for learning — points convert to real gift cards, not just badges
Great for teaching teens — simplifies complex topics like interest and credit scores into lessons that actually make sense
No pressure, no cost — it's free and available whenever you want to use it
Learning with Zogo quickly becomes a fun, hands-on experience that keeps you engaged and rewarded through all your progress. See how it works:
Financial Education FAQs
No, these resources are available to anyone, whether you're a Maui County FCU member or not.
Less than five minutes.
Zogo is a financial education app with bite-sized lessons on topics like budgeting, saving, credit, and more. You can learn at your own pace and earn rewards for completing lessons.
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.
Supporting you with helpful financial tools and information
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Community impact
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Vacation and movie ticket discounts
Become a Member
Join the Maui County FCU ohana
We're a member-owned, not-for-profit, focusing on providing our members with every financial advantage possible.