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SAVINGSWhether you’re trying to build an emergency fund, save for retirement, prepare for holiday expenses, or work toward a purchase goal, we’re here to help you conveniently achieve a stable financial future.
Regular Share SavingsWith great features such as a competitive rate and only a $5 opening deposit minimum, a Regular Share Savings account is perfect for your general savings needs. You’ll have easy access to your account with great return, no monthly services fee, interest compounded and paid monthly, and the option got add funds with direct deposit or payroll deduction.
Christmas Savings AccountSave for the holiday season all year round and receive the money automatically in November – just in time for holiday shopping. With no minimum balance required to earn interest, no monthly service fee and only a $5 minimum deposit to open, you get more for your money.
Share CertificatesA secure way to see higher returns, you can enjoy peace of minds and earn our highest competitive interest rate. With Maui County FCU Share Certificates, your funds are secured up to $250,000 by the NCUA and may be opened for 6-, 12-, 24-, 36-, 48- and 60-month terms. All you need to start is $1,000. And dividends are paid monthly.
Individual Retirement Accounts (IRAs)The smart way to prepare for retirement. Let us help you plan for retirement. We can roll over an existing IRA from another financial institution or help you open a brand-new account with us. We offer several types of IRAs, each with their own unique benefits and features to meet your individual needs.
- Traditional IRA: This type of IRA may be good for you if your income is too high for a Roth IRA, you need to roll over assets from an employer-sponsored plan, or you expect to be in a lower tax bracket when withdrawals begin. Work with your tax advisor to deposit pre-tax now, and after you retire, pay taxes as you withdraw your savings.
- Roth IRA: This type of IRA may be right for you if you anticipate being in a higher tax bracket when you retire, you don’t get a tax deduction for Traditional IRAs, or you want to take distributions from an IRA before the age of 59.5. In consultation with your tax advisor, deposit after-tax income now but withdraw funds tax-free at retirement or when you’re ready.
Coverdell Educational Savings Account (ESA)Deposit after-tax income to start savings for your child’s education. Withdrawals are tax- free as determined by your tax advisor when used to pay for qualified educational expenses.