Credit union · NCUA insured
Wailuku Federal Credit Union Savings Rates
Top CarrotWailuku Federal Credit Union’s best savings rate is 0.07% APY on $10,000, with its High-Yield Tiered Savings Account. Rates checked October 22, 2026.
How Wailuku Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Kahului, HI, where Wailuku Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Wailuku Federal Credit Union
0.07%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $7
Sub-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
Wailuku Federal Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.07%
- $10,000 balance$10,0000.07%
- $100,000 balance$100,0002.00%
- QualifiedQualified0.07%
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 Wailuku 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.
High-Yield Tiered Savings Account
0.07%APY
Tiered-rate savings account. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Rate determined by average daily balance for the month and applies to the full account balance. Must have a Regular Share Account to open.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Tier applies to balances less than $50,000.00. Applies to full account balance. | 0.07% | $7 | Tier applies to balances less than $50,000.00. Applies to full account balance. |
| $50,000 – $100,000Tier applies to balances $50,000.00 - $99,999.99. Applies to full account balance. | 1.50% | — | Tier applies to balances $50,000.00 - $99,999.99. Applies to full account balance. |
| $100,000 – $250,000Tier applies to balances $100,000.00 - $249,999.99. Applies to full account balance. | 2.00% | — | Tier applies to balances $100,000.00 - $249,999.99. Applies to full account balance. |
| $250,000 and upTier applies to balances $250,000.00 or Greater. Applies to full account balance. | 2.00% | — | Tier applies to balances $250,000.00 or Greater. Applies to full account balance. |
Regular Share Account (Savings)
0.07%APY
Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Minimum average daily balance of $50.00 required to avoid a service fee and earn stated APY. Initial deposit buys a share in the credit union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upRequires $50.00 minimum balance / minimum average daily balance to earn stated APY and avoid service fee.$50 and up | 0.07% | $7 | Requires $50.00 minimum balance / minimum average daily balance to earn stated APY and avoid service fee. |
Sources (3)
- wailukufcu.com/images/pdfs/CUN…-and-Disclosure-2021.pdf
- wailukufcu.com/accounts/subsavings
- wailukufcu.com/accounts/keiki-club-and-haumana
All captured Oct 22, 2026
Sub-Share Account
0.07%APY
Special/Sub-Share Account to save for a specific purpose separate from regular savings. Requires $50.00 minimum average daily balance to earn stated APY as per Truth-in-Savings Disclosure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to open (per current table), but requires average daily balance to earn APY.Any balance | 0.07% | $7 | No minimum balance to open (per current table), but requires average daily balance to earn APY. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Holiday Share Account
0.07%APY
Holiday savings / club account. Dividends compounded and credited monthly. Average daily balance method used to calculate dividends. Requires $50.00 minimum balance to earn stated APY. Entire balance will be transferred to another account of yours on or after October 1 and the account will remain open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNo minimum balance to open, but requires $50.00 minimum average daily balance to earn stated APY.$50 and up | 0.07% | $7 | No minimum balance to open, but requires $50.00 minimum average daily balance to earn stated APY. |
Sources (3)
- wailukufcu.com/images/pdfs/CUN…-and-Disclosure-2021.pdf
- wailukufcu.com/accounts/subsavings
- wailukufcu.com/accounts/keiki-club-and-haumana
All captured Oct 22, 2026
Who can join Wailuku 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
- Persons who live in Central Maui are eligible for membership.
Employers and groups
- Persons who work in Central Maui are eligible for membership.
Military, government and schools
- Persons who attend school in Central Maui are eligible for membership.
Family and household
- Household members of qualified members—defined as persons living in the same residence and maintaining a single economic unit (including domestic partners, family members, foster children, guardians, and roommates)—are eligible for membership.
- Immediate family members of qualified members—defined as grandparents, parents, spouses, siblings, children, grandchildren, adopted children, stepparents, stepchildren, and stepsiblings—are eligible for membership.
Other ways
- Persons who worship in Central Maui are eligible for membership.
Membership information collected October 4, 2026.