Celebrating over 80 years of service

Located in the heart of the historic Ewa Villages. We are honored to welcome you to our credit union family!

Rates & Fees



Loan Rates
(See Loan Promotions in Specials and Promotions!)

Type Term APR*
100% Share Secured
Maximum $100,000
(See special 2.00% for up to 7 years in Specials and Promotions)
1 Year 1.50%
3 Years 2.00%
5 Years 2.50%
7 Years 3.00%
50% Share Secured
Maximum $25,000 (pledge $12,500)
1 Year 3.00%
3 Years 4.00%
5 Years 5.00%
7 Years 6.00%
New Auto
100% invoice price up to $40,000
(.50% additional rate discount with 20% down
or 20% pledge)

(Pre-approved elsewhere?  We will match their rate!  See Specials and Promotions)
2 Years 2.00%
3 Years 2.50%
4 Years 3.00%
5 Years 3.50%
6 Years 4.00%
7 Years 4.50%
Used Auto
100% Retail KBBV up to $35,000
2 Years 2.50%
3 Years 3.00%
4 Years 3.50%
5 Years 4.00%
6 Years 4.50%
New Motorcycle
100% invoice price up to $30,000
(.50% additional rate discount with 20% down
or 20% pledge)
2 Years 3.00%
3 Years 3.50%
4 Years 4.00%
5 Years 4.50%
6 Years 5.00%
Used Motorcycle
100% Retail KBBV up to $25,000
2 Years 3.50%
3 Years 4.00%
4 Years 4.50%
5 Years 5.00%
6 Years 5.50%
College (non-government)
$3,500 per year to maximum $12,500
10 Years 4.50%
Signature
Up to maximum $12,500
(See $7,500 new personal loan for
3 years @ 3.50% in Specials and Promotions)
1 Year 5.00%
2 Years 6.00%
3 Years 7.00%
4 Years 8.00%
5 Years 9.00%
6 Years 10.00%
Line of Credit
Up to maximum $2,500
N/A 11.00%
Visa Platinum Credit Card
Up to $12,500
N/A 8.00%
Visa Classic Credit Card
Up to $7,500
N/A 11.50%
Share-Secured Visa Credit Card
Credit builder (maximum $7,500)
N/A 11.50%

*APR = Annual Percentage Rate

Rates effective as of 1/1/17 (subject to change without notice)

Loans subject to credit approval; other restrictions may apply.

Call us for more information.


Savings Rates

Type Rate APY**
Share Accounts
Regular, misc., Christmas — $50 minimum balance
0.10% 0.10%
Share Draft/Checking Accounts
No minimum balance after opening; $50 minimum to earn dividends
0.05% 0.05%
Share Certificates
Minimum balance of $1,000
6 months 0.30% 0.25%
12 months 0.40% 0.35%
24 months 0.50% 0.50%

**APY = Annual Percentage Yield

Rates effective as of 1/1/17; Share and Share Draft rates subject to change quarterly; Share Certificate rates subject to change monthly; For certificates, an early withdrawal penalty may be imposed for withdrawals prior to maturity and fees could reduce the earnings on the account. Call us for more information.


Fee Schedule

Type Amount
Share Accounts
Membership Fee $1.00
Excessive withdrawals (after 3rd withdrawal per month) $1.00
Christmas Savings — early withdrawals (per incident) $5.00
Pre-authorized transfers or withdrawals exceeding 6 per month $5.00
Below $50 minimum balance (per month) $5.00
Share Draft Accounts
Overdraft transfer from savings/LOC Free
Overdraft/Non-Sufficient Funds (NSF) $20.00
Stop payments (per draft or series of drafts) $20.00
Photocopy of share draft (per draft) $1.00
Counter/Teller check to 3rd parties (per check) $2.00
New account — First order standard drafts/checks Free
Drafts/checks (standard) with net Direct Deposit One order free per year
Drafts/checks with out net Direct Deposit At cost
Visa Debit/ATM Cards
First card(s) issued with new share draft account Free
Card replacement (lost/damaged) $10.00
Card replacement — rush order 25.00
PIN replacement Free
ATM withdrawals per account/per month (up to 5 free) $2.00
after 5th ATM withdrawal
"Credit" POS purchases using debit card Free
Visa Credit Cards
Annual Fee (Platinum and Classic) None
Card replacement (lost/damaged) $10.00
PIN replacement through office (Phone PIN change free) $5.00
Card/PIN rush order $35.00
Late Payment $20.00
Returned payment (NSF) $20.00
Cash advance at office (members) — minimum $100 Free
Cash advance at office (non-members) — minimum $100 3% of advance
Document/research copy $12.00
Foreign transactions (each single currency tx) 0.80%
Foreign transactions (each multiple currency tx) 1.00%
Emergency card replacement (fee to processor) $150.00
Card recovery (fee to processor & merchant) $65.00
ACH (Automatic Clearing House)
Non-Sufficient Funds (NSF) $20.00
Stop payment $20.00
Other Services (applies to all account types)
Abandoned Property Processing $20.00
Check Cashing (shares plus loans over $300) Free
Check Cashing (shares plus loans below $300) $2.00 (if no min. deposit)
Deposited item returns (2nd return) $20.00
Dormant account (per month after 3 years) $5.00
Early closure of account (within 3 months from opening) $25.00
Faxes (local out-going; per page after 10 free pages) $1.00
Faxes (mainland outgoing; per page) $1.00
Faxes (incoming; per page) $1.00
Legal process (Garnishment, Tax Levy, etc.) $25.00
Loan late charge (every 30 days past due) $20.00
Non-notification for large withdrawals (per policy) $20.00
Notary service (members) Free
Notary service (non-members; per document) $5.00
Photocopies — (members) B&W/Color per page $0.25/$0.50
Photocopies — Account history (per page) $0.50
Photocopies — Statements (per month) $2.00
Records research per hour (minimum 1 hour) $15.00
Return mail — no forwarding address (per incident) $5.00
Stop payment of credit union counter/teller check $20.00
Teller Talk — 24-hour audio response system Free
Travelers Cheques (members only) Free
Wires — outgoing (US only) $20.00
Wire — Incoming (US only) Free
Western Union — Outgoing (US only) $25.00