Credit union · NCUA insured
Valley Isle Community Federal Credit Union Savings Rates
Valley Isle Community Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Savings. Rates checked October 22, 2026.
How Valley Isle Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kahului, HI, where Valley Isle Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Isle Community Federal Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- $5
- Earns on $10,000 a year
- $500
KO Rewards Savings
2nd-highest rate
Finance Factors
2.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $200
3rd-highest rate
HawaiiUSA FCU
1.35%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $135
Valley Isle Community Federal Credit Union savings score
76
Savings score
Higher than 42% 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%
- QualifiedQualified5.00%
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 Valley Isle Community 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.
KO Rewards Savings
5.00%APY
Works alongside KO Rewards Checking to receive monthly dividend transfers and round-up transfers. Requires valid ID and SSN, $5.00 checking and $5.00 savings opening deposit, 10 signature-based debit card purchases, at least 2 of Direct Deposit / ACH Credit / ACH Debit, and enrollment in e-Statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires opening a KO Rewards account package with $5.00 checking and $5.00 savings deposit, 10 signature debit transactions, 2 ACH/direct deposit items, and e-Statements.Any balance | 5.00% | $500 | Requires opening a KO Rewards account package with $5.00 checking and $5.00 savings deposit, 10 signature debit transactions, 2 ACH/direct deposit items, and e-Statements. |
Sources (3)
All captured Oct 3, 2026
Savings
0.05%APY
Compounded monthly. No monthly service fees. Low $5 minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompounded monthly. No monthly service fees.$5 and up | 0.05% | $5 | Compounded monthly. No monthly service fees. |
Sources (3)
All captured Oct 3, 2026
Special-purpose accounts
Christmas Savings
0.05%APY
Special account to help save for the Holiday Season. Compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upCompounded quarterly.$5 and up | 0.05% | $5 | Compounded quarterly. |
Sources (3)
- vicfcu.org/home/personal/savings
- vicfcu.org/home/personal/savings/christmas-savings
- vicfcu.org/home/rates
All captured Oct 3, 2026
Who can join Valley Isle Community 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 anyone who lives or works on the island of Maui.
Membership information collected October 4, 2026.