A savings plan is like a starting line. It's where you begin chasing down financial goals and readying yourself for life's challenges.

So where is your journey headed?

Build a rock-solid financial foundation for your family. Add sparkle and smiles to your holiday season. Make sure your kids get the best education possible. Create an investment plan for your golden years. At Maui County FCU, we offer a variety of accounts designed to help you save for everything that lies ahead.

Regular Share Savings

So what will $5 get you these days? Plenty. With that small deposit, you can open an account, become a Maui County FCU member, and gain access to all the exceptional financial services that we offer.

  • Save for major purchases - or set aside funds for a 'rainy day'
  • Competitive interest earnings
  • No monthly service fee
  • Easy access to funds through Online and Mobile Banking
  • Build savings faster through Direct Deposit and Payroll Deduction
Christmas Savings Account

Those special presents for friends and loved ones aren't going to pay for themselves! Super-size your gift-giving and party-throwing budget by saving for the December holidays every month of the year.

  • Open account with just $5
  • Earn competitive interest
  • No monthly service fee
  • Unlimited deposits at no cost
  • Build up savings through Direct Deposit and Payroll Deduction
  • Funds automatically transferred to your regular account each November, right in time for the shopping season
Share Certificates

You work hard to put yourself in the best financial position. Your savings strategy should do the same. With Share Certificates, you can lock in our highest competitive interest rate and put your savings on a schedule that fits your future plans.

  • Choose certificate terms of 6, 12, 24, 36, 48 and 60 months
  • Minimum deposit of $1,000
  • All certificates carry higher interest rates than most traditional savings accounts
  • In general, longer term certificates come with higher returns
  • Your savings are totally secure, with deposits insured by the National Credit Union Administration
Individual Retirement Accounts

When you say adios to your working years and aloha to the next phase of your life, you'll need enough money to live comfortably. One good way to make that happen is by opening a tax-advantaged IRA and making regular deposits.

  • Contribute up to $6,000 annually ($7,000 is over age 50)
  • Earn competitive interest
  • Choose a Traditional or Roth IRA
  • With a Traditional IRA, you may be able to take a tax deduction each year you make a contribution
  • With a Roth IRA, all withdrawals are tax-free
  • With both types of IRAs, your annual interest and dividend income grows tax-free
  • Consult your financial advisor on which type of IRA might work the best for you
Coverdell Educational Savings Account

You don't have to be a math major to know that tuition bills are always on the rise. With a Coverdell account, you can cover all sorts of educational costs while enjoying tax benefits.

  • Deposit up to $2,000 annually in after-tax income for each child
  • Money can be used for qualified expenses, including tuition, room and board, books, computers and other educational materials
  • Funds can cover private elementary and secondary tuition as well as college costs
  • Any family member - fathers, mothers, grandparents, aunts and uncles - can contribute to a child's account
  • Annual dividends and interest grow tax-free and withdrawals are tax-free in most cases
  • Consult your financial advisor for more details on these unique accounts