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 5% 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

-Opt in for round up savings on purchases made with your debit card. Round up to the next dollar amount straight into your Ānuenue Savings account.

– 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 5% interest rate on your first $20,000 so your savings stack up even faster. 

– Now you can round up Debit Card purchases automatically into your savings account watch your savings grow!
– 5% APY*

Available to existing members to upgrade their accounts.

*Balances up to $20,000 will earn the reward interest rate during months in which the paired Nalu Checking account meets the minimum qualifications.  Deposits in the account over $20,000 will earn interest at the standard rate.  For months in which the paired Nalu Checking account does not meet the minimum qualifications, the entire balance of the account will earn interest at the standard rate.

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

*Fees could reduce earnings on the account

Pueo Account

Teach your keiki about money and good money habits from a young age open a Pueo Keiki account today. 

Kauai FCU Dividend Rates

Rates updated: 10/17/23

Deposit Amount Rate APY
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%
Bal. up to $20K – Qualified 4.889% 5.00%
Bal. over $20K – Qualified 0.100% 0.10%
Entire balance – Unqualified 0.100% 0.10%
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%
  Rate APY
  0.100% 0.10%
  0.200% 0.20%
  0.010% 0.01%
  0.050% 0.05%
Term Rate APY
6 Months 3.455% 3.50%
9 Months 3.941% 4.00%
12 Months 4.909% 5.00%
18 Months 4.909% 5.00%
24 Months 3.941% 4.00%
36 Months 3.455% 3.50%
48 Months 3.455% 3.50%
60 Months 3.455% 3.50%
12 Months IRA 4.909% 5.00%
18 Months IRA 4.909% 5.00%
24 Months IRA 3.941% 4.00%
36 Months IRA 3.455% 3.50%
48 Months IRA 3.455% 3.50%
60 Months IRA 3.455% 3.50%
6 Months Jumbo 3.650% 3.70%
9 Months Jumbo 4.135% 4.20%
12 Months Jumbo 5.102% 5.20%
18 Months Jumbo 5.102% 5.20%
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%
Kaua‘i FCU introduces Kalukalu at 1624!Learn more here.

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