Deposit Rates

Effective Date: July 1, 2023
The rates contained in this deposit rate section are accurate as of July 1, 2023. For current information, Maui FCU at 808-873-5050.

Savings

Account Type	Min. Opening Deposit	Min. Daily Balance to Earn APY	Dividend Rate	APY^*
Regular Share	$25	$100	0.050%	0.05%
Secondary Share	$100	$100	0.050%	0.05%
Sprout Share	$25	None	0.050%	0.05%
iThrive Share	$25	None	0.050%	0.05%
Christmas Club Share	None	None	0.050%	0.05%

Checking

Account Type	Min. Opening Deposit	Min. Daily Balance to Earn APY	Dividend Rate	APY^*
Share Draft	None	None	0.020%	0.02%

Share Certificates¹

Account Type	Min. Opening Deposit	Min. Daily Balance to Earn APY	Dividend Rate	APY^*
3 Month	$1,000	None	0.250%	0.25%
6 Month	$1,000	None	0.499%	0.50%
12 Month CD Special² Limited Offer New Money³	$5,000 Max Deposit - $250,000	None	4.410%	4.50%
1 Year	$1,000	None	0.747%	0.75%
2 Year	$1,000	None	1.243%	1.25%
3 Year	$1,000	None	1.489%	1.50%
4 Year	$1,000	None	1.588%	1.60%
5 Year	$1,000	None	1.735%	1.75%

¹Early withdrawal penalty provision applies. Minimum $250 opening deposit for iThrive and Sprout Youth Accounts.
² CD Specials. Annual Percentage Yields (APY) are accurate as of 12/21/2022. Early withdrawal penalty provision applies. The above rates are available for a limited time. All rates are subject to change at any time and without prior notice. Other terms or conditions may apply. Fees may reduce your earnings.
³ New Money Preferred.

Individual Retirement Accounts (IRAs)

Account Type	Min. Opening Deposit	Min. Daily Balance to Earn APY	Dividend Rate	APY^*
Traditional IRA	None	None	1.490%	1.500%
Roth IRA	None	None	1.490%	1.500%

Coverdell Education Savings Account (Coverdell ESA)

Account Type	Min. Opening Deposit	Min. Daily Balance to Earn APY	Dividend Rate	APY^*
Coverdell ESA	None	None	1.490%	1.500%

*APY = Annual Percentage Yield. The APY may change after the account is opened. APYs are effective as of 10/01/2022, and may change at any time without notice. Fees may reduce earnings.

Rates, terms and conditions are subject to change at any time without prior notice.