Kahuku Federal Credit Union Like Family, We Care.

Rates and Fees

Identity Theft Notice

Saving Rates (all rates are Annual Percentage Yield)
Regular Savings (variable) 0.75%
Christmas Club Savings 4.06%
3-month CD 0.80%
1-year CD ($500 min) 1.00%
1-year CD ($10,000 min) 1.00%

Loan Rates (all rates are APR)
Auto Loans Starting at 5.25
Personal Loans Starting at 7.75

Fee Schedule
Credit Union Membership
Par value of one membership share $50.00
Membership fee $1.00
Share Account Fees
Share Account Excessive Withdrawals fee: $2.00 per withdrawal, if more than three (3) withdrawals in a calendar month.
Share Draft Account Fees
Minimum opening deposit $20.00
Minimum balance required $0.00
NSF fee $22.00 per item
Returned item fee $22.00 per item
Stop payment fee $10.00 per item
Share draft printing fee Prices vary depending on style
Account maintenance fee $2.00 per month
Other Service Fees (applicable to all accounts)
Account research $20.00 per hour
Statement copy fee $2.50 per copy
Deposited item return fee $15.00 per item
Items sent for collection fee Cost
Legal process fee $15.00
Inactive account fee $2.00 per month after 2 years
Account closure fee $5.00 if closed within 90 days of opening
Photocopy fee $2.50 per page
Wire transfer fee $20.00
Internet Home Banking without Checking Account $2.00 per month
Free Services
Free official checks (subject to maximum of five (5) per month; additional check fee $1.00 each)
Free travelers checks
Overdraft Protection
Debt pooling service

The above rates and fees are accurate as of the Last dividend Declaration Date indicated below. Required minimum share balance to earn stated APY is $100. Required minimum CD balance to earn stated APY is $500. Fees could reduce the stated APY. Early withdrawal penalty may apply to CD accounts. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at (808) 293-9063.

Last dividend declaration date: 9/30/2019


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