Credit union · NCUA insured
Molokai Community FCU Savings Rates
Molokai Community FCU’s best savings rate is 0.10% APY on $10,000, with its Regular Share Account. Rates checked October 22, 2026.
How Molokai Community FCU’s savings rates compare
Compared with banks and credit unions near Kahului, HI, where Molokai Community FCU has the most branches. $10,000, best rate first.
This credit union’s best
Molokai Community FCU
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Regular Share Account
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
Molokai Community FCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Molokai Community FCU 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 Account
0.10%APY
Dividends compounded and credited quarterly. Minimum balance of $25.00 required to receive dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00.$25 and up | 0.10% | $10 | Minimum balance to earn APY is $25.00. |
Sources (1)
- molokaicommunityfcu.com/savings-checking-accounts · captured Oct 3, 2026
Subsidiary Share Account
0.10%APY
Available to members with an established regular share account. Earns the same dividend rate as Regular Share Account. Cannot have an ATM card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns the same dividend rates as Regular Share Account.$25 and up | 0.10% | $10 | Earns the same dividend rates as Regular Share Account. |
Sources (1)
- molokaicommunityfcu.com/savings-checking-accounts · captured Oct 3, 2026
Special-purpose accounts
IRA Share Account
0.50%APY
Dividends compounded and credited quarterly. Tax-deferred retirement savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00.$25 and up | 0.50% | $50 | Minimum balance to earn APY is $25.00. |
Sources (1)
- molokaicommunityfcu.com/savings-checking-accounts · captured Oct 3, 2026
Christmas Club Account
0.10%APY
Active from October 1 through September 30; funds are distributed to members via mailed check or account transfer. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00.$25 and up | 0.10% | $10 | Minimum balance to earn APY is $25.00. |
Sources (1)
- molokaicommunityfcu.com/savings-checking-accounts · captured Oct 3, 2026
Who can join Molokai Community FCU
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 persons who live, work, worship, or attend school in, and businesses and other legal entities located on the Island of Molokai, Hawaii.
Employers and groups
- Membership is open to employees of this credit union and persons retired as pensioners or annuitants from such employment.
Family and household
- Membership is open to members of the immediate family or household of eligible persons.
- Membership is open to spouses of persons who died while within the field of membership of this credit union.
Other ways
- Membership is open to organizations of persons within the field of membership.
Membership information collected October 4, 2026.