Account that Work for you
At Kauai Ohana FCU, your financial journey begins with accounts designed to support your everyday needs and long-term goals. Whether you’re saving for the future, managing daily spending, or planning for retirement, we offer trusted options that fit your lifestyle. After all,
‘Ohana means family, and family means trust.’
Regular Shares
Start building your financial foundation with our Regular Share account—the heart of your membership at Kauai Ohana FCU.
Minimum opening balance of $5.00 and $1.00 one-time membership fee
Access anytime through Online Banking and our Mobile App
Dividends deposited monthly. Earn monthly dividends with an average daily balance of at least $100.00.
Share Drafts
Enjoy the convenience and flexibility of a checking account that works for you, without unnecessary fees.
Minimum opening balance of $25
No monthly service charge
Earn monthly dividends with a minimum balance of $2,001.
No transaction fees
Mastercard debit card included
Overdraft Protection available (opt-in required)
Surcharge-free ATMs nationwide
Christmas Club
Minimum opening balance of $5.00
No monthly service fee
Matures on October 1st, giving you immediate access to your funds
Special Shares
Need to set aside some funds separately from your Regular Shares for something special? Then, open as many Special Savings accounts as needed to achieve those goals.
Minimum opening balance of $5.00
No monthly service fee
Earn monthly dividends with an average daily balance of at least $100.00.
Share Certificates
Watch your savings grow with higher dividends than your Regular Shares by opening a Share
Certificate.
Minimum balance is $1,000.00
Dividends compounded monthly
Choose a fixed term from 3 months to 60 months.
Individual Retirement Accounts (IRAs)
Plan confidently for retirement or education with one of our tax-advantaged Individual Retirement Accounts (IRAs). Open an IRA account and transfer or roll over another retirement plan to enjoy our competitive dividends.
Traditional IRA
Roth IRA
Coverdell Education Savings
Minimum opening balance of $5.00
Earn monthly dividends with a minimum balance of $5.00.
Individual Retirement Account (IRA) Certificates
Plan confidently for retirement or education with IRA Certificates designed to keep you on track.
Minimum deposit of $1,000.00
Dividends compounded monthly.
Choose a fixed term from 3 months to 60 months.
Share Rates
| Account Type | Balances from | Annual Percentage Yield* |
|---|---|---|
| Regulare Shares | $100.00 & over | 0.02% |
| Share Draft | $2,001 | 0.02% |
| Christmas | N/A | 0.05% |
| Individual Retirement Account (Roth, Traditional, Educational) | $5.00 & over | 0.50% |
| Share Savings Certificates (A penalty will or may be imposed for early withdrawal) | ||
| Share Certificate 6-month term | $1,000.00 | 4.074% |
| Share Certificate 9-month term | $1,000.00 | 3.30% |
| Share Certificate 1-year term | $1,000.00 | 3.56% |
| Share Certificate 18-month term | $1,000.00 | 3.30% |
| Share Certificate 2-year term | $1,000.00 | 3.04% |
| Share Certificate 3-year term | $1,000.00 | 2.79% |
| Share Certificate 4-year term | $1,000.00 | 2.79% |
| Share Certificate 5-year term | $1,000.00 | 2.79% |
| IRA Certificates (A penalty will or may be imposed for early withdrawal) | ||
| IRA Certificates 6-month term | $1,000.00 | 4.074% |
| IRA Certificate 9-month term | $1,000.00 | 3.30% |
| IRA Certificates 1-year term | $1,000.00 | 3.56% |
| IRA Certificate 18-month term | $1,000.00 | 3.30% |
| IRA Certificates 2-year term | $1,000.00 | 3.04% |
| IRA Certificates 3-year term | $1,000.00 | 2.79% |
| IRA Certificates 4-year term | $1,000.00 | 2.79% |
| IRA Certificates 5-year term | $1,000.00 | 2.79% |
*Rates are subject to change without notice at any time as determined by the Board of Directors. For more information on other available share certificate rates and terms, please call our office at (808) 245-3753.