FDIC-Insured - Backed by the full faith and credit of the U.S. Government
We all like to dream. Bigger, brighter, and always better. For ourselves and our loved ones. We’re here to help make it happen!
Start building your dream. To ensure you get to where you want to go, you need a partner that provides you with pathways to achieve your goals. With a variety of savings products, you can customize your savings plan and turn your financial goals into fantastic realities. Whatever an amazing life looks like for you, a Maui Federal Credit Union savings account is a great place to start and we'll help you get there quicker.
Shares
Establish your Maui FCU membership by opening a share account. Earn more dividends and enjoy your credit union membership.
Youth Accounts
Start early and help build healthy savings habits. Find the right savings account for your child’s age and goals.
Share Certificate
Get the most out of your money from a fixed-interest-rate account with a share certificate.
IRAs
It’s never too late to start saving for retirement. Get the most from a fixed-interest-rate account with an IRA account.
Coverdell ESA
Invest in your child’s education and future with a Coverdell Education Savings Account (ESA).
Not sure which account is right for you? Compare Accounts
Saving for a rainy day or trying to figure out how much you need to save to reach a savings goal? Calculate how much money you need to contribute to make it happen using our savings calculators.
A great place to start saving… Someday, all those dollars will make a big difference!
Savings Benefits
Regular Share Account
Start with a Regular Share account to establish your membership with Maui Federal Credit Union and open the door for you to enjoy all the benefits of membership. Once this account is open, you are eligible to take advantage of all products and services we offer.
Secondary Share Account
Do you need a separate savings account to save for something special while keeping the funds separate from your Regular Share account? All members are eligible to open a Secondary Share account that you can designate for a particular purpose – to help you budget or organize your savings to achieve personal goals. It comes with all the free services and benefits from our Regular Share account. And just like our Regular Share account, with competitive dividends working for you, you'll be able to reach your goals and celebrate even sooner.
A Christmas Club Share account is the perfect way to save for your holiday shopping and travel. The holidays can be a very busy and expensive time of the year, and we want to help you reduce some of the financial stress through the convenience of a Christmas Club Share account. By making regular deposits, you can save painlessly all year-round to build up your holiday spending… giving you the ability to comfortably shop for gifts or plan a holiday trip! For added convenience, we recommend setting up payroll deduction or automatic transfers to help you reach your goal.
Christmas Club Features
Christmas Club Benefits
With a Share Certificate, you can make your money work harder for you so you can live the life you desire, faster. A Share Certificate is a low-risk savings option that often earns more than a regular savings account, rewarding you with a higher return. It's a terrific method to save, with flexible terms from three months to five years to help you reach your short-term or long-term goals. With a Share Certificate, you get a guaranteed rate of return – all with the security of a federally insured account. And you don’t need a lot of money to get started! Start your investment today as little as $1,000.
Share Certificate Features
Share Certificate Benefits
It’s never too early or too late to start saving for retirement. Planning for life after your career can be challenging – but we’re here to help. IRAs give you competitive credit union rates as you save for your future. Open your IRA with any amount and make regular contributions through payroll deduction, by mail or in person and know you have made a secure investment in your retirement planning.
Choose the IRA that is right for you:
Traditional IRA
With this IRA, you may qualify for a tax-deductible contribution—and that means your overall tax bill at the time of funding will be lower.
Roth IRA
Contributions are made with after-tax dollars. At retirement, both your contributions and the earnings may generally be taken out as tax-free withdrawals.
IRA Features
IRA Benefits
Invest in your child’s education and future. A Coverdell ESA is the perfect tool for saving money to pay for a child’s educational expenses – from kindergarten through college.
Coverdell ESA Guidelines
Coverdell ESA Benefits
Free Benefits with our Deposit Accounts
Not sure were to begin? Let’s Compare Accounts.
Feature | Shares | Secondary Share | Christmas Club |
Minimum Opening Balance | $25 | $100 | $0 |
Minimum Daily Balance | $25 | $100 | None |
Monthly Service Fees | None | ||
Dividends | |||
Digital Banking Access | |||
eStatements | |||
Paper Statements | |||
Direct Deposit | |||
Rates |
Other deposit accounts include:
Disclosures
1 Generally, if a member has more than one account of the same ownership, those accounts are added together and insured in the aggregate. There are exceptions though. You may qualify for additional coverage on revocable trust accounts. You may also obtain additional separate coverage on multiple accounts, but only if you have different ownership interests or rights in different types of accounts and you properly complete account forms and applications. Visit https://www.mycreditunion.gov for more information.
2 Traditional IRAs and Roth IRAs will be added together and insured up to $250,000. Visit https://www.mycreditunion.gov for more information.
3 Coverdell ESAs are insured as irrevocable trust accounts and will be added to a member’s other irrevocable trust accounts and insured up to $250,000. Visit https://www.mycreditunion.gov for more information.
Maui Federal Credit Union has been providing financial services to our members since 1938. As an active member of the Maui community, we are committed to helping our members enhance their financial future with quality products, affordable rates and unbeatable personal service that members deserve. Membership is open to anyone who is employed and resides on the island of Maui. Become a member today and we’ll help make your financial dreams happen!
We have digital tools to help you stay connected. Check your accounts, move your money, and easily contact us, all from your phone — and anywhere your day takes you.
Personal Attention
We believe great service and personal attention is vital when looking for a life-long financial partner.
Excellent Benefits
Once a member, always a member. As a member, there are no annual fees and we offer exclusive benefits.
Great Rates
Since we are a not-for-profit institution, we give back to our members with lower loan rates and higher dividends.
Local Commitment
We are proud to be a local Maui business and are dedicated to give back to our community.