Catch a Wave, Find a Rainbow
Learn how our Nalu Checking and Ānuenue Savings accounts can help you earn 5% cash back on debit card purchases and 4% interest.
Nalu Checking
Introducing Nalu Checking. A new account that offers members 5% cash back on debit card purchases for doing some of the basic banking you already do. Earn up to $20 a month and $240 for the year.*
– No monthly service fees
– No minimum balance requirements
– Earn 5% cash back on debit card purchases
Available to existing members to upgrade their accounts.
*Qualified accounts earn 5% cash back (up to $20) on debit card purchases each month. Accounts that meet the following criteria will qualify:
- Enrolled in e-statements
- 1 login to online banking (via browser or mobile app)
- 14 Debit card purchases
- 2 automatic (ACH) transactions (deposit or withdrawal)
Don’t qualify? That’s okay; there is no penalty and you can try again the following month.
Ānuenue Savings
Introducing Ānuenue Savings, our other new account that offers an incredible 4% interest rate on your first $20,000 so your savings stack up even faster.
– Now you can round up Debit Cards purchases automatically into your savings account watch your savings grow!
– 4% APY*
Available to existing members to upgrade their accounts.
Personal Savings
All you need is a minimum of $5 deposit to open your account. It’s fast, easy and a great first step towards reaching your financial goals. Let us help you start putting away a little bit, today.
– Only $5 deposit to start
– Earns Dividends 0.100% – 0.300% APY*
– Access to all of our products and service
Pueo Account
Teach your keiki about money and good money habits from a young age open a Pueo Keiki account today. Your child can have a savings and a checking, and they can even customize their debit card with a personal photo.*
*$10.00 fee for photo upload
Kauai FCU Dividend Rates
Rates updated: 8/21/23
| Account Type | Deposit Amount | Rate | APY |
|---|---|---|---|
| Regular and Secondary Savings | Bal. under $5K | 0.100% | 0.10% |
| $5K – under $20K | 0.100% | 0.10% | |
| $20K – under $50K | 0.100% | 0.10% | |
| $50K – under $200K | 0.200% | 0.20% | |
| $200K & over | 0.299% | 0.30% | |
| Ānuenue Savings | Bal. up to $20K – Qualified | 3.930% | 4.00% |
| Bal. over $20K – Qualified | 0.100% | 0.10% | |
| Entire balance – Unqualified | 0.100% | 0.10% | |
| Money Market | Bal. under $10K | 0.200% | 0.20% |
| $10K – under $25K | 0.200% | 0.20% | |
| $25K – under $50K | 0.250% | 0.25% | |
| $50K – under $100K | 0.250% | 0.25% | |
| $100K – under $200K | 0.299% | 0.30% | |
| $200K & over | 0.399% | 0.40% | |
| Account Type | Rate | APY | |
| Christmas Club | 0.100% | 0.10% | |
| IRA Savings | 0.200% | 0.20% | |
| Nalu Checking | 0.010% | 0.01% | |
| Classic Checking | 0.050% | 0.05% | |
| Account Type | Term | Rate | APY |
| Share Certificates | 6 Months | 3.455% | 3.50% |
| 9 Months | 3.941% | 4.00% | |
| 12 Months | 4.426% | 4.50% | |
| 18 Months | 4.426% | 4.50% | |
| 24 Months | 3.941% | 4.00% | |
| 36 Months | 3.455% | 3.50% | |
| 48 Months | 3.455% | 3.50% | |
| 60 Months | 3.455% | 3.50% | |
| 72 Months | 0.000% | 0.00% | |
| IRA Certificates | 12 Months Traditional IRA | 4.426% | 4.50% |
| 12 Months Roth IRA | 4.426% | 4.50% | |
| 12 Months Coverdale IRA | 4.426% | 4.50% | |
| 18 Months Traditional IRA | 4.426% | 4.50% | |
| 18 Months Roth IRA | 4.426% | 4.50% | |
| 24 Months Traditional IRA | 3.941% | 4.00% | |
| 24 Months Roth IRA | 3.941% | 4.00% | |
| 36 Months Traditional IRA | 3.455% | 3.50% | |
| 36 Months Roth IRA | 3.455% | 3.50% | |
| 48 Months Traditional IRA | 3.455% | 3.50% | |
| 48 Months Roth IRA | 3.455% | 3.50% | |
| 60 Months Traditional IRA | 3.455% | 3.50% | |
| 60 Months Roth IRA | 3.455% | 3.50% | |
| 72 Months Traditional IRA | 0.000% | 0.00% | |
| 72 Months Roth IRA | 0.000% | 0.00% | |
| Non-Member Certificates | 12 Months | 4.619% | 4.70% |
| 24 Months | 4.135% | 4.20% | |
| 36 Months | 3.650% | 3.70% | |
| 48 Months | 3.650% | 3.70% | |
| 60 Months | 3.650% | 3.70% | |
| 72 Months | 0.000% | 0.00% | |
| Jumbo Certificates | 6 Months Jumbo | 3.650% | 3.70% |
| 9 Months Jumbo | 4.135% | 4.20% | |
| 12 Months Jumbo | 4.619% | 4.70% | |
| 18 Months Jumbo | 4.619% | 4.70% | |
| 24 Months Jumbo | 4.135% | 4.20% | |
| 36 Months Jumbo | 3.650% | 3.70% | |
| 48 Months Jumbo | 3.650% | 3.70% | |
| 60 Months Jumbo | 3.650% | 3.70% | |
| 72 Months Jumbo | 0.000% | 0.00% |
