Credit union · NCUA insured
Maui Federal Credit Union Savings Rates
Maui Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Share. Rates checked October 22, 2026.
How Maui Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kahului, HI, where Maui Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Maui Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $5
Secondary Share
Top rate
Valley Isle Community Federal Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- $5
- Earns on $10,000 a year
- $500
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
Maui Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Maui Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Share
0.05%APY
Open to anyone who is employed and resides on the island of Maui. Requires a one-time non-refundable membership fee of $1 and $25 minimum balance to maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance to earn APY is $100. Dividends are calculated on the daily balance and paid monthly.$100 and up | 0.05% | $5 | Minimum daily balance to earn APY is $100. Dividends are calculated on the daily balance and paid monthly. |
Secondary Share
0.05%APY
Must be a member to open. $100 minimum balance to maintain account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance to earn APY is $100.$100 and up | 0.05% | $5 | Minimum daily balance to earn APY is $100. |
Special-purpose accounts
Coverdell Education Savings Account (Coverdell ESA)
2.50%APY
Must be established in the name of a child who is a Maui Federal Credit Union member under age 18 or with special needs. A parent or legal guardian must be named as responsible individual. Total contributions cannot exceed $2,000 per child per year. Funds must be distributed by age 30 (except for special needs).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 2.50% | $250 |
Individual Retirement Accounts (IRAs)
2.50%APY
Available as Traditional IRA or Roth IRA wrappers.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance requirements. Applies to Traditional IRA and Roth IRA share accounts.Any balance | 2.50% | $250 | No minimum balance requirements. Applies to Traditional IRA and Roth IRA share accounts. |
Christmas Club Share
0.05%APY
Funds are automatically transferred to your Regular Share account on or around October 1st of each year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are calculated on the daily balance and paid annually.Any balance | 0.05% | $5 | Dividends are calculated on the daily balance and paid annually. |
Sprout Share
0.05%APY
For children under age 13 who live on Maui. Requires parent, legal guardian, or grandparent as joint owner on the account (permission form required if other than parent/legal guardian). $25 minimum balance to maintain account, plus a one-time non-refundable membership fee of $1 (opening fees of $26 paid by credit union for children aged 0-6 months).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are calculated on the daily balance and paid monthly.Any balance | 0.05% | $5 | Dividends are calculated on the daily balance and paid monthly. |
iThrive Share
0.05%APY
For teens ages 13–17 who live on Maui. Requires parent, legal guardian, or grandparent as joint owner on the account (permission form required if other than parent/legal guardian). $25 minimum balance to maintain account, plus a one-time non-refundable membership fee of $1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends are calculated on the daily balance and paid monthly.Any balance | 0.05% | $5 | Dividends are calculated on the daily balance and paid monthly. |
Who can join Maui Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who are residents of Maui, defined as having a current valid State of Hawaii identification or Hawaii driver's license containing a physical Maui residential address, and who live and work on the island of Maui.
Membership information collected October 4, 2026.